The first thing you should know is the state of Alabama requires drivers to maintain the minimum liability limits of 15/30/5. So if one day you are driving through or to and make the mistake of running that busy traffic light; what happens? If insured with Alabama”’’s state minimum coverage, your insurance will pay up to 15.000 for one person’’s injuries and $30,000 for the total amount the Insurer will pay out per occurrence. $5,000 will be the total amount your insurer will pay out for damage to the other Driver”’’s vehicle. Will these limits be enough? Did you know Arkansas drivers can save up to $300 by comparing rates alone?. Three steps the Alabama Driver can take to help achieve a cheaper insurance. \n\nIf you live in Birmingham where the population is 229,800, your Birmingham auto insurance rates will most likely be higher than that of a Driver who lives in Florence with a population of 37,449. The more drivers within an area, the more risk the Birmingham will face on a day to day basis. However, when it comes to Birmingham Homeowner Insurance, rates will be lower than those a smaller city like Florence would get due to more Fire and protection services offered in larger cities.