Liability insurance is the minimum legal requirement in Alabama — it covers damage you cause to other people and their property. The average cost is $49/month with 25/50/25 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Alabama requires minimum limits of 25/50/25, but most insurance experts recommend at least 50/100/50 — especially with 18% of Alabama drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (25/50/25) | $49/mo | $590 | Other people's injuries & property |
| Full Coverage | $174/mo | $2,090 | Others + your own vehicle |
Switching from full coverage to liability-only saves $1500/year in Alabama — but your own car has zero protection.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $792 | $132/mo |
| Alfa Insurance | $834 | $139/mo |
| Progressive | $894 | $149/mo |
| State Farm | $978 | $163/mo |
| Allstate | $1,188 | $198/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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