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Alabama car insurance

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With pristine beaches near Mobile, endless culinary destinations in Huntsville and some of the best college football spectacles in the country in Tuscaloosa and Auburn, there's plenty to do in Alabama. But before you go exploring The Heart of Dixie, make sure the vehicle you're doing it in is well protected first! 

Keep it safe with flexible, reliable car insurance from Nationwide, and get back to your adventures with peace of mind.

Take advantage of Nationwide's features

Nationwide makes it easy for you to find dependable auto insurance in Alabama. We can show you options so you can choose the coverage that's right for your needs, goals and budget. 

Explore the features below to learn more about what we can offer you:

Choose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle.1

We offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.

Enjoy a free consultation with an agent who's here to help you get the protection you need at the price that's right for you.

Make payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.

Alabama car insurance discounts

Nationwide makes it easy to find affordable car insurance. Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:

Multi-policy

When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.

SmartRide® program

SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2

Good student

Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.

Defensive driving

This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.

Anti-theft

If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.

Safe driver

It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.

Automatic payments

Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.

Accident free

When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.

Find Nationwide insurance near you in Alabama

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Call 1-888-869-5727

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Minimum insurance requirements for Alabama

The minimum amount of Alabama auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person’s property.

Liability coverage

Liability coverage provides for your legal defense if a lawsuit is brought against you as a result of a covered accident. As a resident of Alabama, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

Comprehensive

This type of Alabama auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Optional Alabama insurance coverages

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

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.

Medical benefits

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.

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.

Nationwide coverage in Alabama

Homeowners insurance

Renters insurance

Motorcycle insurance

On Your Side® Review

[2] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.

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Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Funds and NVIT Funds distributed by Nationwide Fund Distributors LLC (NFD), member FINRA, Columbus, Ohio. Nationwide Investment Services Corporation, member FINRA, Columbus, OH. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © Nationwide Mutual Insurance Company.

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