States
Alabama minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Alabama minimum: 25/50/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Alabama puts this rule in the hands of its Department of Revenue, under sections 32-7A and 32-7B of the Code. The policy must be an Alabama policy from a company qualified to issue motor vehicle liability insurance in the state, so a policy written elsewhere is not presented as enough on that page. When the department determines that a vehicle was not insured as the law requires, it suspends the registration. Reinstating costs $200 after a first violation and $400 after later ones, and the owner must also show proof of current liability insurance. The law also accepts a liability bond or a deposit of cash in place of a policy. The page does not give a period for any later filing, so we state none. The three limits themselves match the 25/50/25 pattern shared by many states in our table.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Alabama
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Alabama.
What else we read for Alabama
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Registration suspended; $200 reinstatement fee on a first violation, $400 after that, plus proof of current insurance. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.