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Direct Auto Insurance is proud to offer auto insurance in Alabama. We cover those who may not be accepted by other Alabama auto insurance companies.

We also offer free quotes for affordable auto insurance, no matter your past credit score or driving history. At Direct you’ll get flexible auto insurance coverage that fits your needs, and easy access to agents near you, online, or over the phone.

Below is some information about Alabama Auto Insurance:

Finding Cheap Car Insurance in Alabama

Alabama car insurance rates can vary depending on your driving record, the type of vehicle you drive, and the amount of coverage you choose. One of the first places to start your search for cheap auto insurance quotes in Alabama is to decide how much coverage you need.

With Direct, you can also make your coverage more affordable by customizing your payments. Choose your down payment amount, your monthly payment amount, and day of the month your payment is due. 

Alabama Minimum Car Insurance Requirements

Alabama requires all vehicles you have registered to be covered by insurance that includes:

  • Bodily Injury Liability coverage of at least $25,000 to cover injury or death to any one person that results from an auto accident, and $50,000 to cover injuries to or death of more than one person resulting from a single auto accident.
  • Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

Coverage Definitions Bodily Injury Liability (BIL): pays for medical and legal protection should you or another insured on your policy cause bodily injury to another person while operating your vehicle. The “limit” is the maximum amount your insurance company will pay for bodily injury damages.

Property Damage Liability (PDL): pays for damage to another's property caused while operating your vehicle. This covers damage to property such as vehicles, poles, fences, etc. The “limit” is the maximum amount your insurance company will pay for property damage.

What if I don’t have the minimum coverage?

Alabama law requires that all motor vehicles registered in the state maintain liability insurance coverage and carry proof of insurance in vehicles at all times. Drivers caught without minimum coverage are subject to punishment, such as a fine and suspended license. Direct offers cheap auto insurance policies with instant proof of insurance to make auto insurance coverage quick and hassle-free.

Are there additional coverage options?

Direct not only provides the required coverage for Alabama drivers, but also offers additional coverage such as comprehensive, collision and uninsured motorist coverage. We also offer roadside assistance.

Check out the Auto Insurance Coverage page to discover what else Direct offers.

More Information

If you still have questions, would like to learn about other Alabama auto insurance options such as uninsured motorist coverage, or if you would like to get an affordable auto insurance quote, contact Direct Auto Insurance online, over the phone at 1-877-GO DIRECT (1-877-463-4732), or visit one of our office locations.

Other Resources

Alabama – Direct Auto Insurance Locations

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