The State of Alabama has a 25/50/25 minimum. That means that as a driver, you must have the following amount of insurance at a minimum to legally drive a car: $25,000 bodily injury liability limit per person. $50,000 maximum for all bodily injuries to be paid for any one accident. $25,000 maximum for property damage per accident. That said, this is just the legal minimum requirement, not the recommended minimum.