Coverage requirement checker
Every coverage a US jurisdiction requires, with the amount, the citation, whether it can be rejected and in what form, and any change already written into statute for a future date.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Alabama — minimum limits 25/50/25
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | Ala. Code §32-7-6 |
| Bodily injury liability, per accident | $50,000 | required | Ala. Code §32-7-6 |
| Property damage liability | $25,000 | required | Ala. Code §32-7-6 |
Fault system: At-fault (tort).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
What this is reading
45 of the 51 jurisdictions carry limits confirmed against the legislature’s own statute text. The remaining 6 rest on a secondary reproduction and show no figure at all, because a published comparison that repeats a secondary source is how stale limits spread. This is the only cross-state comparison surface on the site: statutory facts mean the same thing in every jurisdiction, and premium figures do not.
The same rule across every jurisdiction
- Minimum liability limits by state
- Scheduled minimum-limit increases by state
- No-fault and at-fault states
- Tort thresholds by state
- Credit-based rating by state
- Gender rating by state
- Age rating by state
- Marital-status rating by state
- Occupation and education rating by state
- ZIP code and territory rating by state
Questions
- Where do these figures come from?
- Each jurisdiction’s own statute text, corroborated against its insurance department or motor-vehicle agency. A figure ships only when the primary text confirms it; where only a secondary reproduction was available, no figure is shown.
- Why does one jurisdiction show no requirement at all?
- One state does not require drivers to buy liability insurance. Its published limits bind only once a financial-responsibility requirement is triggered, and its statute also allows a deposit with the state in place of a policy.
- Does this cover what my policy actually includes?
- No. It covers what the statute obliges a driver to carry. What any particular policy covers is a matter for that policy document.
Statutory records last verified against primary sources on 10 August 2026. Scheduled changes are held as dated records and the build refuses to run if any scheduled date has already passed.