HB 148 Alabama House · 2025 Regular Session

Motor vehicles; nonresident mandatory insurance requirements, further provided

HB 148 clarifies mandatory automobile liability insurance requirements, specifically addressing motor vehicles registered in a state other than Alabama. The bill specifies that for vehicles registered in another state, the liability insurance policy must conform to the requirements of that state's laws. This means operators of out-of-state vehicles must carry insurance that meets their state of registration's minimums. It also updates what constitutes valid evidence of insurance for these non-resident vehicles when operated in Alabama.

Issues: ✓ Transportation

Bill status signed all 5 stages cleared

Introduction

Feb 2025

Committee Review

Apr 2025

House Passage

Mar 2025

Senate Passage

May 2025

Signed into Law

May 2025

Introduced Feb 4, 2025 Signed May 14, 2025

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What changed between versions

Introduced → Enrolled · 6 edits · May 14, 2025

MODERATE

This bill was finalized and enrolled after being introduced, with substantive changes to Alabama's mandatory automobile liability insurance requirements. The enrolled version clarifies that out-of-state vehicles must follow their home state's insurance rules rather than Alabama's, and adds new exemptions for certain vehicles like bank-owned vehicles and special mobile equipment.

Scope change

The bill's scope was expanded to explicitly recognize that vehicles registered in other states must comply with their state of registration's insurance requirements, and new vehicle categories were added to the list of exemptions from insurance requirements.

REQUIREMENT

Changed the requirement for out-of-state vehicles from needing Alabama insurance to following the insurance laws of their state of registration.

Reorganized and clarified the structure of insurance requirements for in-state versus out-of-state vehicles with clearer subsection numbering.

ELIGIBILITY

Added new exemptions for vehicles owned by banks, bank subsidiaries, or finance companies acquired through regular business operations.

Added new exemptions for special mobile equipment as defined in Section 32-8-2.

Added new exemptions for vehicles prescribed by the commissioner that are covered by blanket liability insurance policies.

TECHNICAL

Fixed formatting issues and corrected line numbers throughout the enrolled version compared to the introduced version.

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

May 7, 2025

Upper · Passed

Motion to Read a Third Time and Pass - Adopted Roll Call 1027

upper

Apr 9, 2025

Upper · Passed

Reported Out of Committee Second House

upper

Apr 1, 2025

Upper · Passed

Pending Committee Action in Second House (Banking and Insurance)

upper

Mar 20, 2025

Lower · Passed

Motion to Read a Third Time and Pass - Adopted Roll Call 517

lower

Feb 19, 2025

Lower · Passed

Reported Out of Committee House of Origin

lower

Feb 4, 2025

Lower · Passed

Pending Committee Action in House of Origin (Public Safety and Homeland Security)

lower

1 primary · 0 co-sponsors