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State of Alabama Insurance Requirements

What is OIVS? (On-Line Insurance Verification System)

State of Alabama Insurance Requirements. In 2013, Alabama enacted the Mandatory Liability Insurance Law. This helps define Alabama car insurance rules for all drivers, therefore the law now requires Alabama drivers to carry auto insurance for their registered vehicles.

Alabama Minimum Insurance Requirements

To fulfill Alabama car insurance laws, you must have liability insurance to help pay for any damages or injuries you may cause to others in a car accident.

Your liability coverage must include the following minimums:

Optional Car Insurance

Your liability insurance will not cover damages to your car or your personal injuries. However, most Alabama car insurance companies offer optional types of coverage to help with these costs.

When shopping for car insurance, consider these optional types of coverage:

NOTE: If your car is being financed or leased, you may be required to buy collision and comprehensive coverage as part of your finance agreement.

AL Insurance Violations and Penalties

If you are caught driving without proper Alabama car insurance, you face the following penalties:

If your vehicle registration is suspended due to a car insurance violation you will have to pay the following fees to have it reinstated:

SR22 in Alabama

When you have your driver’s license reinstated after a suspension, you may be required to file an SR22 with the state.

SR22 certificate is not insurance; it is a form of proof of insurance that guarantees you will maintain the minimum requirements for car insurance, all the while making it legal for you to drive.

Alabama Auto Insurance Plan

Liability car insurance is required in Alabama, therefore, all licensed drivers are guaranteed access to car insurance. However, auto insurance companies are afforded the right to deny coverage to high-risk drivers.

If you are unable to find an insurance company willing to provide you coverage, you can purchase your insurance through the Alabama Auto Insurance Plan (ALAIP).

Through the ALAIP, Alabama car insurance companies share the risk associated with high-risk drivers . You can apply to the ALAIP through any Alabama car insurance agent.

Determining Your Premiums

When looking to buy car insurance, most car insurance companies will factor in the following when determining your rate(s):

Insurance Discounts in AL

Most auto insurance companies offer the following discounts:

State of Alabama Insurance Requirements



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