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Gulf Shores Car Insurance Resources

Gulf Shores, AL Car Insurance

Cars Insured in Gulf Shores

^ There are an estimated 7,040 vehicles currently insured in Gulf Shores. [1]

Car Insurance Rates in Gulf Shores

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

Uninsured Motorists in Gulf Shores

^ There are an estimated 1,688 uninsured motorists driving in Gulf Shores. [3]

AL Car Insurance

Gulf Shores Car Insurance

Car Insurance Liability Requirements in Gulf Shores

  • Minimum Liability Limits in Gulf Shores: 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: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Gulf Shores

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

Car Insurance Verification Laws in Gulf Shores

  • Insurer Verification of Auto Insurance in Gulf Shores [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.

Gulf Shores Car Insurance Facts, Estimates & Related Laws

Gulf Shores Car Insurance Stats

Gulf Shores Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Gulf Shores
    • Based on historical and current data, 7,040 cars are currently insured in Gulf Shores. [5]
    • Alabama cities collectively ranked 23rd in the nation in auto insurance policies in 2011 with a total of 3,454,427. [1]
  • Uninsured Motorist Rate in Gulf Shores
    • Based on historical and current data, Gulf Shores has an estimated 1,688 uninsured drivers. [6]
    • Alabama cities collectively had the 6th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Gulf Shores
    • Alabama cities collectively had the 37th highest auto insurance rates in the nation in 2010. [2]

Gulf Shores 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. Drivers cannot be pulled over solely for a secondary offense.


Gulf Shores Automotive Laws

  • Minimum Driving Age in Gulf Shores [9]
    • Gulf Shores, AL minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Gulf Shores
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Gulf Shores
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Gulf Shores
    • 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]

Alabama Car & Driver Facts

Alabama Auto Registrations

Alabama Car & Driver Facts
  • 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 Automotive Facts

  • Speed Limits in AL
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Alabama Motor Fuel Consumption
    • Alabama cities collectively ranked 17th in the nation in total motor fuel consumption in 2011. [10]

Alabama Licensed Drivers

  • Licensed Drivers in AL [11]
    • Female Drivers: 1,947,603
    • Male Drivers: 1,850,949
    • Total Drivers: 3,798,552
    • Rank: 21st highest in the U.S.

Additional information about Gulf Shores, AL

About Gulf Shores

Gulf Shores (Alabama) is a city with a population of 9,741 [12] that is located in Baldwin County.

AL Car Insurance

More about Gulf Shores auto insurance

For more information about Gulf Shores car insurance, or for additional resources regarding Alabama car insurance overall, visit the Alabama Department of Insurance.

Did you know?

Across all U.S. states, Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.

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. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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