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Alabama Minimum Car Insurance and Penalties for Driving Without It
The short answer
Alabama requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
Alabama at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | Not confirmed on a state source; ask the agency |
| First offense for driving uninsured | A first conviction for driving without the required insurance carries a fine of up to $500. Your vehicle registration is suspended, and reinstating it requires proof of current insurance and a $200 fee. |
| Repeat offense | A second or later violation carries a fine of up to $1,000, a six-month driver license suspension, or both. The registration is suspended and the reinstatement fee is $400. |
| Fee to restore after a lapse | $200 to reinstate the registration after a first violation and $400 after a second or later violation, plus proof of current Alabama insurance. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Alabama?
Alabama requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
What happens if you drive without insurance in Alabama?
A first conviction for driving without the required insurance carries a fine of up to $500. Your vehicle registration is suspended, and reinstating it requires proof of current insurance and a $200 fee.
Sources
- www.alea.gov/driver-records-crash-reports-and-driver-license-reinstatements
- www.revenue.alabama.gov/mandatory-liability-insurance
- alison.legislature.state.al.us/code-of-alabama
- alison.legislature.state.al.us/code-of-alabama
- www.revenue.alabama.gov/Mandatory-Liability-Insurance-instructions-and-appeal-rights-03-2024-11212025.pdf
- www.revenue.alabama.gov/BSTI-Brochure-2017-1.pdf