Alabama

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2010-06-01

Uninsured / Underinsured Motorist

Insurers must offer UM limits equal to liability minimums; can be rejected in writing.

SR-22 Filings

Required for 3 years following certain license suspensions like DWIs or unsatisfied judgments.

Alternatives to Insurance

Cash deposit or bond of $75,000 with the State Treasurer.

Official Source

Alabama Department of Revenue

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.