Leif Olson, Car Insurance Writer
@leif_olson_1
All of the major types of car insurance are available in Alabama, except for personal injury protection. The types of car insurance required in Alabama include liability insurance. Most other coverage types are optional.
Types of Car Insurance Available in Alabama
Type of Insurance | What It Covers | Minimum Amount Required |
Covers other people’s medical bills | $25,000 per person and $50,000 per accident | |
Covers other people’s vehicle repairs | $25,000 | |
Covers accident-related medical expenses for you and any passengers in your car | Not required | |
Covers medical bills and vehicle repairs if your car is hit by a driver who doesn’t have any liability insurance | Drivers can opt-out in writing | |
Covers medical bills and vehicle repairs if your car is hit by a driver who doesn’t have enough liability insurance | Drivers can opt-out in writing | |
Helps pay for damage to your vehicle caused by a collision with another car or with a stationary object | Not Required | |
Helps pay for damage to your vehicle caused by something other than an accident, like vandalism or extreme weather | Not Required | |
Pays the difference between the value of your car and the balance on your lease/loan in the event of a total loss | Not Required | |
Provides assistance if your car needs a tow, jump start, tire replacement or fuel refill | Not Required | |
Covers the cost of repairs to mechanical parts of your car, like the engine and transmission | Not Required |
Other types of auto-related insurance you can get in Alabama include rental reimbursement coverage, classic car insurance, non-owner insurance, and umbrella insurance. These coverages apply to specific situations or needs and are generally available across the country.
If you want to learn more, check out WalletHub’s guide to the different types of car insurance.
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