Insurance requirement guides for Alabama.
$25,000 / $50,000 / $25,000
Bodily injury per person / per accident / property damage, written 25/50/25
Set by Ala. Code § 32-7-6(c). Read off the statute on , and the figure every Alabama guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Alabama has no state boat insurance mandate, but marina agreements on Lake Guntersville, Lake Martin, Mobile Bay, and Gulf Shores commonly require liability cover. Gulf and ICW operators face open-water conditions that warrant higher limits and offshore towing coverage.
Alabama requires 25/50/25 motorcycle liability with a universal helmet law. Alabama's contributory negligence rule means even 1% fault bars your recovery from the other driver — making UM/UIM and MedPay more critical here than in most states.
Alabama requires 25/50/25 liability coverage for all drivers. Learn the minimum requirements, penalties for driving uninsured, and whether state minimums are enough.
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Every guide on this page covers a Alabama requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Alabama guide on this site is checked against that same figure. The regulators linked above are where Alabama publishes the rules, so they are the place to confirm anything before you rely on it.
