Cheap Car Insurance in Alabama

Direct Auto & Life Insurance is proud to offer personal auto insurance and commercial auto insurance in Alabama, the "Heart of Dixie." Applying for auto insurance coverage with Direct is different—we welcome all drivers to apply for coverage and even cover those who may not be accepted by other Alabama auto insurance companies.

We offer free car insurance quotes for affordable auto insurance plus low rates, regardless of your credit or driving history.* At Direct you’ll get flexible auto insurance coverage that fits your needs plus easy access to agents near you, online, or over the phone.

Finding Cheap Car Insurance in Alabama

Finding affordable auto insurance for your personal or commercial vehicle in Alabama doesn’t have to be difficult. Alabama car insurance rates can vary depending on a number of factors, including your driving record, the type of vehicle you drive, and the amount of insurance coverage you choose.

When you partner with Direct for your insurance needs, you can also make your coverage more affordable by customizing your payments. How? By choosing your down payment amount, your monthly payment amount, and which day of the month your payment is due.

Alabama Minimum Car Insurance Requirements

When comparing cheap car insurance quotes in Alabama, you'll first want to decide how much coverage you need. Alabama does require all vehicles you have registered in the state 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 (BI): Should you or another insured on your policy cause bodily injury to another person while operating your vehicle, BI will help pay for their medical expenses (not yours) and if needed, pay for your legal services. The “limit” is the maximum amount your insurance company will pay for bodily injury damages.


Property Damage Liability (PD): Should you or another insured on your policy cause damage to another person’s property while operating your vehicle, PD will help pay for the repairs or damages. This coverage would help pay for damage to property such as vehicles, poles, fences, etc. The “limit” is the maximum amount of money your insurance company will pay for property damage.

What if I don’t have the minimum coverage?

Because Alabama law requires 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 fines or a suspended license. Direct offers cheap auto insurance policies for personal vehicles, but also cheap commercial auto insurance policies—both with instant proof of insurance to make auto insurance coverage quick and hassle-free.

Are there additional coverage options?

Yes! In addition to providing the required coverage for Alabama drivers, Direct also offers additional coverage options such as comprehensive, collision, and uninsured motorist coverage for both personal and commercial vehicles.

Roadside assistance can also be purchased for additional peace of mind protection, 24-hours a day! Explore all that Direct has to offer Alabama drivers on the Auto Insurance Coverage page.

Commercial Auto Insurance in Alabama

For business owners looking to help protect their livelihood, Direct also offers commercial auto insurance policies in Alabama for individuals or fleets of up to 20 vehicles. These policies are competitively priced and offer flexible payment options, available discounts, and policy terms for 6 and 12 months.**

What is commercial auto insurance? Commercial auto insurance is typically for drivers who use their vehicle or truck to do activities related to their occupation or business (other than commute).

To purchase commercial auto insurance in Alabama, stop by a participating Direct Auto office in Birmingham, Cullman, Mobile, Decatur, Gadsden, Albertville, Florence, Huntsville, Athens, or Russellville. Or, call 1-877-GO-DIRECT (1-877-463-4732)

More Information

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

Other Alabama Insurance Resources

*Rates and savings vary.

**Commercial auto insurance produced by Right Choice Insurance Agency, Inc. and Direct General Insurance Agency, Inc. d/b/a Direct Auto & Life Insurance as agents for Titan Indemnity Company, a Nationwide Insurance Company & its affiliates. Not available in all stores. Pay plans, discounts and coverages subject to terms and conditions.