Alabama is a largely rural state, and if you've just moved from amore heavily populated area, you'll be happy to discover that the cost of auto insurance will besubstantially less. Watch out, though, because Alabama has the 3rd highest rate of uninsured driversin the US (as of 2007), with an estimated 26% of drivers lacking coverage. Alabama doesn't requireyou to carry Personal Injury Protection coverage, but PIP will cover your medical expenses if you'rein an accident with one of those uninsured drivers. Major insurance carriers have offices inBirmingham, Montgomery, Mobile, and Huntsville. If you want more details on insurance requirements,you should contact the Alabama Department of Insurance (http://www.aldoi.gov/).

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