Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Alabama, as in most states, drivers are required to carry a minimum amount of auto insurance. This typically includes bodily injury liability coverage, which covers injury or death to others when the insured driver is at fault, and property damage liability coverage, which pays for damage to another person's property resulting from an accident for which the insured is at fault. The minimum coverage amounts in Alabama are $25,000 for bodily injury or death per person, $50,000 for total bodily injury or death per accident, and $25,000 for property damage per accident. Insurance rates in Alabama can be influenced by various factors, including the driver's record. Traffic violations such as speeding tickets can increase insurance premiums significantly, while more severe infractions like DUI/DWI or hit-and-run can lead to even higher rate hikes. Drivers in Alabama who have received citations or are facing charges that may impact their insurance costs should consider consulting with an attorney who specializes in traffic violations or criminal defense to explore their options and potentially mitigate the consequences on their insurance rates.