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Alabama Car Insurance Resources

Alabama Car Insurance

Car Insurance Rates in AL

^ From 2006 to 2010, Alabama cities had the 35th highest auto insurance rates in the nation. [2]

Car Insurance in AL by City

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Cars Insured in AL

^ Alabama ranked 23rd of all U.S. states in total auto insurance policies in 2011. [1]

AL Car Insurance

Alabama Car Insurance Requirements

Car Insurance Liability Requirements in Alabama

  • Minimum Liability Limits in AL: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Alabama

Required Car Insurance Coverage in Alabama
  • Auto Insurance Coverage Requirements in AL [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Alabama

  • Insurer Verification of Auto Insurance in AL [4]
    • Insurer must verify randomly selected insurance policies upon request.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Car Insurance Quotes for Alabama Drivers

Alabama Car Insurance Facts, Estimates & Related Laws

Alabama Car Insurance Facts

Alabama Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in AL
    • Alabama had the 37th highest auto insurance rates in the nation in 2010. [2]
    • Rates in AL ranked 37th in the nation in 2009. [2]
    • In 2008, AL had the 33rd highest rates in the country. [2]
  • Number of Auto Insurance Policies in AL
    • Alabama ranked 23rd in the nation in auto insurance policies in 2011 with a total of 3,454,427. [1]
  • Uninsured Motorist Rate in AL
    • The uninsured motorist rate in AL ranked 6th in the nation in 2009. [3]

Alabama Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to 16-year-old drivers; 17-year-old drivers who have held an intermediate license for fewer than 6 months. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect for texting by all drivers. Secondary enforcement in effect for cell phone use by young drivers.. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Alabama Automotive Laws

  • Safety Belt Laws in AL
    • Safety belt laws have been in place since 1991 and apply to drivers/passengers 15+ years in front seat. [7]
    • Child restraint law in place for younger than 1 or less than 20 pounds in a rear-facing infant seat; 1 - 4 years or 20-40 pounds in a forward-facing child safety seat; 5 but not yet 6 in a booster seat. [7]
  • Motorcycle Helmet Laws in AL
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in AL
    • Renewal cycle: 4 years [7]

Alabama Auto & Driver Facts

Alabama Automotive Facts

Alabama Auto & Driver Facts
  • Speed Limits in AL
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in AL
    • Alabama cities collectively ranked 17th in the nation in total motor fuel consumption in 2011. [9]

Alabama Licensed Drivers

  • Licensed Drivers in AL [10]
    • Total Drivers: 3,798,552
    • Female: 1,947,603
    • Male: 1,850,949
    • AL has the 21st most drivers in the U.S.
  • Minimum Driving Age in AL [5]
    • Alabama has a minimum driving age of 15 years.

Alabama Auto Registrations

  • Auto Registrations in AL [8]
    • Registered Cars: 2,307,668
    • Registered Trucks: 2,364,601
    • Registered Motorcycles: 127,301
    • Total Registrations: 4,811,943
    • Rank: Alabama ranked 21st in the United States in total auto registrations in 2011.

Alabama Demographics

Alabama Age Breakdown

In Alabama, 75% residents are 20 and older, while 5% are under the age of 5 and 20% are between ages 5 and 19. [6]



Alabama Demographic Information


  • Alabama Race Breakdown [6]
    • Caucasian descent: 70.51%
    • African American descent: 25.66%
    • Hispanic descent: 2.91%
    • Asian descent: 0.73%
    • Native American descent: 0.19%

  • Alabama Education Breakdown [6]
    • High school diploma or higher: 76%
    • Bachelor's degree or higher: 20%

Alabama Income Breakdown

In Alabama, the median household income is $47,023, while 19% of state households are below the poverty level. [6]



Additional information about Alabama

About Alabama

Alabama has a population of approximately 4,779,736, which ranks 23rd in the U.S. among all states. [6]

AL Car Insurance

More about Alabama auto insurance

For more information about auto insurance in AL, or for additional resources regarding Alabama car insurance, visit the Alabama Department of Insurance.

Did you know?

Driving while talking on a hand-held cell phone is currently prohibited in in 11 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Alabama Cities