Nationwide works hard to help you choose the Alabama auto insurance coverage that's right for your needs, goals and budget.
Alabama car insurance coverage you must have
Alabama auto liability coverage
Two types of liability coverage are available and required by law in the state of Alabama:
- Bodily injury safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
- Property damage safeguards your assets if you are found legally accountable for a covered accident, including property damage sustained by the other party.
When buying Alabama auto liability coverage, you’ll need at least the required state minimum amount, which is $25,000/$50,000/$25,000. Should an accident occur, you’ll get $25,000 coverage for bodily injury to one person per accident, $50,000 coverage for bodily injury to two or more people per accident, and $25,000 in property damage coverage per accident.
Liability may cover certain legal defense expenses, too, if you are sued for a covered accident.
This type of Alabama auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents. Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object.
Alabama auto insurance coverage that's smart to have
Uninsured/underinsured motorist - bodily injury
If you're involved in an accident where the other party is at fault and either uninsured or doesn't carry enough coverage, uninsured/underinsured motorist coverage may cover your bodily injury damages.
This insurance may cover reasonable and necessary medical expenses or funerals for you and others who are covered under your policy in an accident, regardless of who is at fault, up to the amount you choose.
Note: May not be selected if choosing Family Compensation.
This option may cover necessary medical, confinement and death benefits for you or relatives in the event of an accident, regardless of who is at fault.
Note: May not be selected if choosing Medical Benefits.
Tailor your policy with these options
With this optional coverage, Nationwide will not raise auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.
Nationwide Roadside Assistance coverage is available in two different levels, basic and plus, so you can choose the one that works best with your budget. Get covered for things like fuel delivery, lockout service, jump-starts and more.
Loss of use
If your car can't be driven due to a covered loss, our loss of use coverage helps pay for a rental car or other transportation expenses so you can get back on the road.