Direct Auto Insurance In Alabama

Drivers that live in Alabama need an Alabama direct auto insurance and the State of Alabama has certain minimum direct auto insurance requirements all drivers must meet in order to avoid a fine or even possibly auto registration and/or driver’s license suspension.

How much Direct Auto Insurance do I need in Alabama?

Understanding state laws is important when it comes to direct auto insurance as every state has different direct auto insurance requirements. Alabama drivers are required to have at least the following minimum levels of coverage:

• $25,000 bodily injury labiality for accidents involving one person.
• $50,000 liability insurance per accident (all persons).
• $25,000 property damage coverage.

Although these limits may seem high they are reasonable at best. Any kind of serious accident and you can quickly incur costs much greater than your direct auto insurance policy limits. Additionally liability insurance only covers damage pertaining to other people’s autos and does not provide any coverage for you or your auto. Most Alabama drivers opt for full coverage direct auto insurance which includes a well-rounded policy with comprehensive, collision and liability direct auto insurance with policy limits often exceeding $100,000.

How much is Alabama direct auto insurance per month?

Alabama direct auto insurance rates run around 5% lower than the national average with most good drivers paying around $1,380 annually in direct auto insurance premiums. However Alabama is a very competitive state and shopping around for direct auto insurance can lead to even lower direct auto insurance for drivers with a low risk profile.

Direct Auto Insurance In Alabama

Alabama DUI Laws

Alabama takes DUI very serious and any driver found to have a blood alcohol content (BAC) level of 0.08% or higher will be arrested for a DUI. Unlike other states a first time DUI offender in Alabama will automatically have their drivers licenses revoked for 90 days.

Does Alabama have the SR-22 requirement for high risk drivers?

Yes and the SR-22 could be applied for a wide range of reasons including driving under the influence, operating a vehicle with no direct auto insurance in auto accident and others. In fact, Alabama driver who cannot show proof of direct auto insurance may be obligated to file the SR-22 form for 1 year and this can pose a serious obstacle in finding affordable direct auto insurance.

Teenage Driver Laws

Drivers in Alabama can get their license at 16 years of age however younger drivers aged 15 can obtain a restricted driver’s license.

Who has the best Alabama Direct Auto Insurance Rates?

Alabama is home to over 120 direct auto insurance companies so your choices are vast for auto insurance. The best way to find the most affordable car insurance rates in Alabama is to compare direct auto insurance companies.