Alabama has 5,086,768 residents. We list 58 agencies for atv insurance in Alabama. Here is what the local numbers say about the cover people here need.

Alabama at a glance

58atv insurance agencies listed
29.8%of households rentRenters insurance
$209,900median home valueHome insurance
1986median year homes were builtRebuild cost calculator
5.4%of households have no carAuto insurance
12.3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Alabama

How many of Alabama’s 67 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Lightning27 of 67 counties
Very High in Jefferson County, Baldwin County, Mobile County and 3 more.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Alabama
Tornado22 of 67 counties
Very High in Jefferson County.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Alabama
Strong wind15 of 67 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Alabama
Hurricane5 of 67 counties
Very High in Mobile County, Baldwin County.
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Alabama
Inland flooding4 of 67 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Alabama
Coastal flooding2 of 67 counties
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in Alabama

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Alabama

Alabama requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Alabama How much liability cover do you need?

Source: revenue.alabama.gov. Checked 2026-10-24.

Insurance companies Alabama agencies work with

Of the 48 Alabama agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Progressive29 agencies
Markel23 agencies
Travelers21 agencies
Liberty Mutual20 agencies
Nationwide17 agencies
The Hartford16 agencies
Travelers (Standard Fire)16 agencies
American Modern15 agencies
Nationwide (Allied)15 agencies
Nationwide (Colonial)14 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

ATV insurance in Alabama

All insurance agencies in Alabama · ATV insurance in every state

Where can I find atv insurance in Alabama?

Pick your city in the list on this page to see every agency there that offers atv insurance, or search by name or ZIP code.

What does atv insurance cover?

Covers quads and off-road vehicles, which auto policies exclude.

Which insurance companies do Alabama agencies work with?

Among the 48 Alabama agencies whose appointments we hold, the companies they are most often appointed with are Progressive (29), Markel (23), Travelers (21), Liberty Mutual (20), Nationwide (17). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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