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Ali Larter was born in Cherry Hill, New Jersey. She attended Carusi Middle School and Cherry Hill High School West. She began modeling with the world-renowned Ford Models at the age of fourteen and traveled the world. At seventeen, Larter settled temporarily in Japan. A year later, in 1995, she accompanied her boyfriend in his move to Los Angeles, California. Soon after, she began taking acting classes, at a friend's suggestion.

Larter is a close friend of actress Amy Smart with whom she co-starred in Varsity Blues. Her best friend is former Sam's Kid Erick Alegria. Larter has previously lived in Miami, Florida and currently lives in New York City, having moved there in the spring of 2002.

• Close friend and former roommate of Varsity Blues (1999) co-star Amy Smart.
• Was part of a 1996 hoax by Esquire Magazine: they portrayed her as "Allegra Coleman", a hot young star, in a parody of fluff journalism.
• Ranked #40 in Stuff magazine's "102 Sexiest Women in the World" (2002).
• Was considered for the role Susan Storm/The Invisible Woman in Fantastic Four (2005).
• For the scene in Varsity Blues (1999) where her character Darcy sports her whipped-cream-bikini, shaving cream was used because the whipped cream wouldn't stick right.
• The original ending for Final Destination (2000) showed her character giving birth to the son of the central character, Alex, played by Devon Sawa, who was shown to have died in the original ending.
• Ranked #6 on the Maxim magazine Hot 100 of 2007 list.