Birmingham, AL Auto Insurance
With easy access to outdoor activities, a growing food and art scene, and plenty of unique points of interest, Birmingham is a great place to call home. But before you drive down to Hero Doughnuts for breakfast or travel to Red Mountain Park to enjoy all 1,500 acres, make sure you and your car are protected by purchasing affordable auto insurance coverage.
Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for cheap car insurance in Birmingham, AL, call Direct Auto.
Birmingham, AL Minimum Car Insurance Requirements
Alabama auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Alabama are 25/50/25, and they help pay for bodily injury and property damage claims after an accident that is primarily your fault. If you’re still confused about what your insurance policy must include, please refer to the chart below.
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Coverages |
Is It Required by Law? |
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Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more. |
Yes. $25,000 property damage per accident. |
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Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage. |
Not required. |
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Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault. |
Not required. |
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Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault. |
Not required.1 |
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Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal. |
Not required.1 |
1Your lender may require these coverages if you lease or finance your vehicle.
Birmingham, AL Proof of Financial Responsibility & Penalties
The penalties for a first offense of driving without insurance are a fine of up to $500, suspension of registration, a $200 registration reinstatement fee, and potential SR-22 requirements, according to the Consumer Federation of America. For second or subsequent violations, the penalties increase in severity.
SR-22 Insurance in Birmingham, AL
In many states, high-risk drivers are also required to keep an SR-22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might be required to fulfill SR-22 requirements if:
- They have been caught not maintaining proper liability coverage.
- They were convicted of a DUI/DWI.
- They have committed other serious driving violations.
If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.
SR-22 Insurance in Birmingham, AL
Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, some cities have busy traffic and others offer quiet streets with far fewer accidents. But no matter what city you call home in Alabama, we’re here to help you get covered.