Alabama Auto Insurance

From Alabama Auto Insurance Laws & Requirements to Alabama DUI Laws, from Alabama Teen Driver Laws to Alabama Auto Insurance Rate Estimates, from Alabama Auto Theft Statistics to Alabama Auto Insurance Rate Trends, trying to find all the information you need can be daunting. The good news is that if you're a Alabama driver, the facts you want are right here.
Alabama Auto Insurance Laws, Minimums, Requirements
What mandatory auto insurance laws exist in the state of Alabama?

- All Alabama drivers must be covered by liability insurance or an acceptable alternative i.e. motor vehicle liability bond or deposit of cash. The motor vehicle liability bond must be filed with the Department of Revenue’s Motor Vehicle Division. The deposit of cash with the Alabama State Treasurer shall be a sum of not less than fifty thousand dollars ($50,000).
Alabama DUI Laws
In the state of Alabama, you can be arrested for and charged with a DUI, even if you are not driving the car. Alabama is an “actual physical control” state. What this means is Alabama DUI laws allow officers to arrest intoxicated individuals whether they are just sitting in the car or driving it. Actual physical control means the exclusive physical power, and present ability, to operate, move, park or direct whatever use or nonuse is to be made of a motor vehicle at the moment, as determined by the totality of the circumstances. An individual that meets one of the above conditions and who is sitting in, or even asleep in a motor vehicle may be guilty of DUI, DWI, or drunk driving.
Alabama (AL) Teen Auto Insurance Laws, Rates & Requirements
In the state of Alabama, only 6 percent of driver’s on the road are teenagers. Sadly, teen drivers are responsible for roughly 15 percent of all highway deaths in the state. Of the 1,100 fatal accidents that occurred within Alabama state lines in 2007, around 165 involved teens.
Alabama Department of Insurance
Post Office Box 303351
Montgomery, Alabama 36130-3351
Phone: 334.269.3550

Insurance Rate Examples for Alabama

Looking for an auto insurance quote so you can save money on your car insurance in Alabama? Use the rate tool below to get an estimated rate comparison based on auto insurance policy profiles similar to yours. Note that these rates are only estimates and do not constitute actual quotes.
 

Alabama Auto Insurance Rate Trends

Knowing auto insurance rates, average monthly premiums, and rate trends for Alabama makes you an informed consumer. We've compiled recent auto insurance quotes so that you can see Alabama's average monthly premiums and rate trends by month, and compare those to the national averages. Check out our chart of monthly premiums, and our table of rate increases and rate decreases, and get the info you need to make an educated decision about how much you pay for auto insurance.
National Average
AL Avg. Monthly Premiums
$147
$135
$122
$110
$131
$150
$128
$151
$132
$150
$137
$149
$134
$151
$134
$152
$132
$152
$137
$153
AugJulJunMayAprMarFebJan

AL Premium$ Change% ChangeNational Avg$ Change% Change
Aug$131$32.3%$150$10.7%
Jul$128$43%$151$10.7%
Jun$132$53.7%$150$21.3%
May$137$32.2%$149$21.3%
Apr$134$00.0$151$10.7%
Mar$134$21.5%$152$00.0
Feb$132$53.7%$152$21.3%
Jan$137$21.5%$153$21.3%
Data as of 2009. Source: Insurance.com

Top Ten Stolen Cars in Alabama

1. 1994 Chevrolet C/K 1500 Pickup (full size)
2. 1989 Chevrolet Caprice
3. 1984 Oldsmobile Cutlass
4. 1992 Honda Accord
5. 1997 Ford F150
6. 1990 Buick LeSabre
7. 1991 Chevrolet S-10 Pickup
8. 1997 Ford Explorer
9. 1999 Ford Rangler
10. 2004 Chevrolet Cavalier

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