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Alabama drivers look to Direct Auto Insurance for help getting the right insurance at the right price. That's because we know finding cheap auto insurance in Alabama (commercial auto insurance, too) takes more than luck. It takes knowing how auto insurance companies in Alabama tend to calculate their rates, then how you and your car fit into the mix.

Alabama car insurance rates can vary depending on a number of factors, including your driving record, your age, the type of vehicle you drive, where you live within the state, and the amount of coverage you select beyond the minimum amount required by Alabama insurance law.

You can't control all of the factors that influence your rate, like your age. But with Direct Auto Insurance on your side, finding affordable auto insurance for your personal or commercial vehicle in the "Heart of Dixie" is easy. Partner with us for your insurance needs and you can make your coverage even more affordable by customizing your payments: simply choose a low down payment amount, your monthly payment amount, and the day of the month your payment is due.

Applying for auto insurance with Direct Auto 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. Things like DUIs and SR22 requirements don't scare us. We offer free car insurance quotes for affordable auto insurance plus low rates, regardless of your credit or driving history.* You’ll get flexible Alabama auto insurance coverage that fits your needs, plus easy access to agents near you, online, or over the phone. We're here to help you see how cheap Alabama car insurance can be!

What Are Alabama Minimum Car Insurance Requirements?

One of the easiest ways to get a quote for cheap auto insurance in Alabama is to select the minimum coverage required by law. Be careful, though. Since coverage needs vary by driver and vehicle, you'll want to make sure that's the right route for you before finalizing your policy. You may need more car insurance coverage than you think. No two Alabama drivers are the same! Alabama requires that all vehicles you have registered in the state be covered by insurance that includes:

Bodily Injury Liability (BI) 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. 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) coverage of at least $25,000 to cover damage to the property of others caused by an auto accident. 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.

Commercial Auto Insurance in Alabama

For business owners looking to help protect their livelihood, Direct Auto 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.†

Not sure if you need 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). Businesses that tend to qualify for commercial auto insurance include builders, contractors, landscapers, delivery services, and realtors to name a few.

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

What If I Don't Have the Minimum Coverage?

The penalties aren't cheap. Alabama insurance law requires all motor vehicles registered in the state maintain liability insurance coverage and carry proof of insurance in vehicles at all times. Driving uninsured in Alabama is actually considered a misdemeanor and drivers caught without minimum coverage are subject to punishment, such as hefty fines, a suspended license, vehicle impoundment, SR22 requirements, and even imprisonment. The penalty varies depending on the situation.

You don't have to drive uninsured to save money. We'll help connect you with 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.

Additional Coverage Options

Alabama only requires that drivers maintain a minimum amount of liability insurance. You are not required to carry coverage that would pay for repairs to your own vehicle or property in the event of a covered accident, but you may want to regardless. Optional coverages like Collision and Comprehensive can help pay for damages to your car, and Medical Payments can help cover the cost of any injuries you or someone else on your policy sustain in a covered accident. Keep in mind that if your car is financed or leased, you may be required to have Collision and Comprehensive coverage. Roadside Assistance can also be purchased for additional peace of mind protection, 24-hours a day!

Alabama Insurance Quotes

Call 1-877-GO-DIRECT or visit one of our many office locations in Alabama 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. Friendly agents are standing by to show you that Direct Auto is an Alabama insurance company with heart, just like the "Heart of Dixie!"

Other Alabama insurance resources include Alabama Motor Vehicle Division, Alabama Department of Insurance, Official State of Alabama Website, Alabama Department of Transportation.