Alabama Car Insurance (Coverage, Companies, & More)

Alabama Car Insurance Overview

Alabama is known to many for a variety of different reasons. Some know it as the pinnacle for elite college football. Others know it as the birthplace for the civil rights movement. Others may know Alabama for its rustic beauty and southern food.

Alabama is also home to a large automobile industry. In fact, cars are Alabama’s biggest export and the auto industry is a leading employer in Alabama.

Researching car insurance to find the right coverage for you is undoubtedly a daunting task. How can you possibly find all of the information you need?

Luckily for you, we have compiled all the information you might need to know into one place. Everything you need to know from insurance rates to road safety is covered below.

Get started right now with our free rate calculator by entering your zip code above to start comparison shopping.

What are the Alabama car insurance coverage options and rates?

You understandably want to save as much money on car insurance as you can while getting the best coverage. Car insurance can cost people thousands of dollars each year and different companies charge different rates depending on the state and city that you live in.

All of this information piling up and companies wanting to charge you an arm and a leg to get decent coverage is stressful.

Let’s take a closer look at the various coverages in Alabama so you can be protected if you are living there, visiting, or passing through.

What are the minimum coverage requirements in Alabama?

Alabama is an “at fault” car insurance state. This means that the person who caused the accident is responsible for the damages caused. Therefore, there is a minimum amount of coverage that you need, by law, in Alabama that will cover other motorists in the case that you cause an accident.

The minimum liability coverages are:

• $25,000 for bodily injury liability per person that is injured in an accident you caused
• $50,000 for total bodily injury liability for multiple people that were injured in an accident you caused
• $25,000 for property damage per accident that you caused

Here are some important things to remember when looking at these coverage numbers:

• These are the minimum coverages that a driver must have per state law
• If the amount were to exceed what is covered, you might be personally responsible for the costs
• These coverage amounts only apply to the person/people whose car you hit, not yourself

If you don’t have car insurance, you will be fined a minimum of $500 dollars for the first offense and $1000 for the second offense with a suspension of your license for six months. This isn’t even the worst part.

If you don’t have insurance you will also be financially responsible for the damages you cause if you are at fault for an accident.

The cost of minimum coverage varies from state to state.

What is a form of financial responsibility?

Since the financial responsibility of the accident falls on the driver, you might be asking yourself how does the state keep track of who has insurance or not?

In Alabama, the state follows up with motorists if any of the following shows up:

• The Department of Revenue reviews vehicle registrations on every vehicle that is subject to Liability Insurance
• They receive notice if a driver’s license has been suspended or revoked
• There was a ticket issued for refusal to present insurance to a law enforcement official

If any of these occur and there is a reason to believe the driver may not have insurance after the auto insurance company has been contacted, the Department of Revenue will send a follow-up questionnaire to the person whose insurance is in question to obtain more information.

What percentage of income are insurance premiums?

As the table above shows, the average rate for car insurance premiums has steadily risen over the past few years. But, there is some good news.

The rising premiums stay fairly consistent with the rise in disposable income levels, meaning drivers are paying a similar percentage of their income to insurance premiums, even though the total cost has gone up.

Alabama drivers are also paying less percentage of their disposable income than three of their four bordering states and a lower total amount for full coverage than the national average.

What are the average monthly car insurance rates in AL (Liability, Collision, Comprehensive)?

The table above shows the average annual costs for various types of insurance in Alabama. These usually increase over time, so be prepared for these costs to rise in the years to come.

We have talked about liability coverage, and the video above mentions other types of coverage. Don’t want to scroll back up to find it?

Let’s recap.

• Liability coverage is coverage by your insurance company to cover the costs of personal or property damage you may cause in an accident and is required in Alabama.
• Collision coverage is optional but will help pay for repairing your vehicle if you were to get into an accident.
• Comprehensive coverage is also optional but would help cover your vehicle in incidents that might damage your car outside of an accident like natural disasters, or theft.

Is there an additional liability?

The above stats, provided by the National Association of Insurance Commissioners (NAIC), help to show the loss ratio of insurers in Alabama.

What is the loss ratio and how does it relate to insurance companies?

The loss ratio for insurance companies is the ratio of total losses incurred in claims and adjustment expenses divided by premiums earned.

So what does this mean in terms of numbers? If companies have over a 100 percent loss ratio then they are losing money. If the ratio is too low, that means that the company has probably overpriced its policies for the volume of claims it is experiencing.

The normal loss ratio for most insurance companies is between 40 and 60 percent, which is good news for Alabama drivers.

The number of uninsured drivers in Alabama plummeted in 2014 which is also good news for Alabama drivers. If you were to get into a car accident that was caused by an uninsured driver, they might not be able to pay the full amount for the damages caused to you and your car.

Are there any add-ons, endorsements, and riders?

Add-ons are a great option for drivers who require extra coverage. Below are some popular options available at most providers.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified (Custom) Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

If you have a special vehicle, such as a classic car or a car that constantly breaks down, you may want to consider add-on coverages.

What are the average car insurance rates by age & gender in AL?

We partnered with Quadrant Information Services to bring you the following data on everything from demographics to city rates.

Based on the data, USAA is quite noticeably cheaper than the other insurance providers across all age and gender demographics. Additionally, some of the big name auto insurers, like State Farm and Progressive, may not necessarily be the cheapest choices, especially for younger drivers.

What are the cheapest car insurance rates by zip code?

Since the area you live in can affect your auto insurance rates, we’ve listed average premiums by zip codes below.

Our research shows that Geico, Nationwide, and USAA are all consistently below the average rates with USAA consistently being the lowest average rate among the various zip codes.

What are the cheapest rates by cities?

Some cities are more dangerous to live in, which means insurers’ rates will be different from city to city.

Our table shows the most expensive rates a driver can expect would be in Birmingham while the cheapest would be in Ozark.

The most expensive cities in terms of rates are larger cities while the cheaper cities are more rural cities in Alabama. The change in rates between the population in these cities most likely accounts for the increased risk one would assume.

What are the best Alabama car insurance companies?

With all this information being thrown at you, how do you find the best car insurance company that suits your needs? All of the complicated information makes finding the right car insurance company hard.

Here, we will show you what to expect from various insurance companies in Alabama.

We will show you how reliable the companies are and what the cheapest companies you can purchase your car insurance from.

What’s the financial rating of the largest companies?

AM Best rates companies based on their financial stability. Below, you will see AM Best ratings for Alabama companies.

Every company except Amtrust is rated in the A range which is considered to excellent.

Read more: Amtrust Insurance Company Car Insurance Review

Which companies have the best ratings?

J.D. Power’s 2018 study rates car insurance companies based on an extensive customer satisfaction study that surveyed over 44,000p customers.

Overall, the companies in Alabama that would have the best customer ratings would be USAA (available only to military members and their families) and Geico, although, most of the major providers are about average in their ratings.

Which companies have the most complaints in Alabama?

Below is the NAIC’s data on Alabama companies’ complaint ratios.

Among the most popular insurers in Alabama, Liberty Mutual has the highest complaint ratio by quite a large margin. While State Farm has more total complaints, they also have more customers, therefore, making their complaint ratio much lower.

What does this mean for you?

While complaints are important to look at, companies have different ways with how they deal with complaints, so it is important to take multiple factors into consideration when choosing your insurance company.

What are the cheapest companies in Alabama?

The table below gives an overview of prices for popular insurance companies in Alabama and how they compare to the average cost of insurance in Alabama.

Read more: Nationwide Mutual Fire Insurance Company Car Insurance Review

As our research shows, the average value for the state is only reflected in one of the insurance providers. The range of insurance rates in Alabama is quite large which means picking the right provider can help you save money.

Now, I am sure you are a lot like other people and want to save as much as possible on your insurance. Keep reading to find out more about insurance costs in Alabama.

What’s the average commute rate by companies?

At some companies, how far you drive affects how much you pay.

Quadrant data shows that in Alabama, most insurance companies won’t charge much more based on mileage, however, it is always a good thing to double-check before purchasing your insurance policy to ensure you aren’t getting charged more than you thought.

Commute distances don’t affect your rates as much as some other factors.

What are the coverage level rates by companies?

While high coverage is best, sometimes the higher price tag makes people opt for lower coverage. By shopping around at providers, though, you can find a more reasonable price for high coverage.

The table below shows Alabama companies’ price increases from low to high coverage.

Outside of USAA, Nationwide will have the lowest cost of coverage across its high, medium, and low coverage. Additionally, you can spend less money and still get their medium coverage instead of their low coverage if you are really trying to tighten the belt.

What are the credit history rates by companies?

In the below table, you can see how your credit score might affect the rates you could receive from insurance companies.

As you can see, the rates can fluctuate quite a bit. If you are worried about your credit affecting your scores, you should look at providers like Travelers or Geico, where their rates don’t fluctuate as much.

What are the driver record rates by companies?

A poor driving record will cause insurers to label you as a risky driver. Naturally, risky drivers have higher insurance rates.

Surprisingly enough, some insurers charge more if you were to get into an accident than have a DUI. The discrepancy between the rates shows why it is crucial to do your research before choosing an insurance provider.

For instance, for a single speeding ticket, Geico and Nationwide charge a very similar amount while charging almost four hundred dollars less for a clean driving record.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

What are the largest car insurance companies in Alabama?

The table below shows the largest car insurance companies in Alabama and their percentage of market share so you have an idea of how large they are.

The largest companies in Alabama also have loss ratios above 50 percent, which is great news as it shows they are financially stable.

What is the number of insurers in Alabama?

Knowing all of your options is important in picking your insurance. Let’s look at how many providers there are in Alabama, according to the NAIC.

• 18 Domestic
• 858 Foreign

With a total of 876 providers in Alabama, there are plenty of options to choose from.

What are the Alabama laws?

Now that we have covered various types of insurance costs, let’s focus on what can keep you safe on the roads. There are a lot of state driving laws that a driver needs to know, but these laws can be confusing.

Let’s dive right in to learn about the important driving laws in Alabama and how these laws can have an impact on your insurance!

What are the car insurance laws?

You might be asking yourself, what are the different driving laws in Alabama? How do these affect everyday drivers? Do these laws do enough to protect me on the road?

These are all important questions. Let’s continue on to learn more specifics.

How state laws for insurance are determined

According to the NAIC, there are seven different ways laws for insurance can be determined. In Alabama, car insurance rates are determined by the state’s Insurance Commissioner.

Luckily for you, this confusing process is dealt with by the insurance companies and the insurance commissioner.

How to get windshield coverage

When replacing windshields, they must be similar in quality to what was previously on your vehicle and restore the vehicle to the previous value before the loss or damage of your windshield.

Individual insurance companies may or may not offer zero deductible windshield replacement with their comprehensive coverage.

Since a windshield replacement would be a part of the comprehensive coverage, which is not required by law in Alabama, it would depend on what insurance package you purchased from your provider.

How to get high-risk insurance

High-risk drivers have to pay more for their insurance because of their previous records on the road. As discussed before, accidents, DUIs, and tickets, may increase your insurance rates depending on your provider. This is no different with high-risk drivers.

High-risk drivers are individuals who have had serious driving violations, are younger in age, or have had years with insurance lapses or missed payments on their insurance.

Alabama has the Alabama Automobile Insurance Plan (AL AIP) where insurance companies and the state share the cost of insuring high-risk drivers. Since these drivers are more likely to get into an accident, the state and the insurance companies have a deal to split damage costs.

Depending on your provider, insurance may cost you less than in other states if you are a high-risk driver because the insurance companies have to pay less.

How to get low-cost insurance

Only a select few states in the country offer low-cost insurance to families who meet certain requirements in an effort to make sure they are insured. Currently, Alabama does not have this program, or one similar to it.

Is there an automobile insurance fraud in Alabama?

One type of Insurance fraud occurs when a claim is made to obtain the benefits of the insurance company when the person filing the claim is not actually entitled to those benefits.

What exactly does this mean?

Say a person has comprehensive coverage that covers a tree falling on their car. One night, they get angry and throw something that lands on top of their car and ruins it. This person then goes to the insurance company and tries to claim the benefits of a tree falling on their car when, in reality, that is not what happened.

Insurance fraud is considered a Class B felony in Alabama if the amount is over $1,000 and a Class C felony if it is below $1,000. The law also requires insurance companies to report suspected fraud cases to ensure accountability on both sides.

In insurance fraud cases in Alabama, there is something called immunity status. Immunity status protects individuals from unfair lawsuits for releasing information on previous claims.

What’s a statute of limitations?

The statute of limitations is a limited time frame in which legal action must be brought upon you for certain acts. These laws apply for driving as well. The statute of limitations for damages caused when driving is:

• Property Damage – two years
• Personal Injury – two years

If you caused an accident and damaged someone or something, legal action has to be taken within two years, or no legal action can be taken.

What are Alabama state specific laws?

Every state as unique driving laws and different interpretations of regulations. There are some laws out there that are just strange, and Alabama is no exception.

In Alabama, it is written into law that you cannot drive while blindfolded. Seems like at some point this might have been a popular thing to do.

Additionally, you must have windshield wipers on your car. You might not have a windshield, but as long as you have windshield wipers, you are good to go.

What are the vehicle licensing laws?

If you happen to be pulled over while driving, the officer will ask for your driver’s license and insurance information.

If driving without either of these, there will be significant penalties that you will occur on top of what you were pulled over for.

What are the penalties for driving without insurance?

Driving without insurance in Alabama can cost you quite a bit.

• First offense – fine up to $500, a registration suspension and a $200 reinstatement fee.
• Second offense – fine up to $1000, and/or a six-month license suspension, $400 reinstatement fee, and a four-month registration suspension.

If you are caught driving without insurance and it is your second offense, legally your vehicle’s registration will also be suspended for four months. To reinstate your car registration, you will also have to pay a fee depending on how many times it has been suspended.

Not only will this cost you out of pocket for the suspensions, but your insurance rates could also go up the next time you purchase insurance.

Also, bear in mind that the state can check this electronically if you are pulled over and they will follow up to ensure that you are covered. This is extremely important in Alabama because the faulty driver in a collision bears financial responsibility.

What are the teen driver laws?

The Insurance Institute for Highway Safety (IIHS) lists the important laws teen drivers must follow. Alabama created these laws to keep teen drivers as safe as possible on the roads.

As a form of protection, young drivers have certain restrictions on their driving until they are 17 and have had their license for six months. If you are a teen driver in Alabama or a parent of a teen, you can expect the following restrictions.

• No driving from Midnight to 6 am.
• Can only carry one passenger in the car.

On top of these restrictions, young drivers have a complete cell phone ban while operating a vehicle. This means young drivers are not allowed to use a phone at all while driving, even to answer a phone call.

These rules are to limit teens participating in distracted driving — which can be just as deadly as drinking and driving.

After this time period, there is only a texting ban. You might ask, can I be pulled over just for using my phone?

In the state of Alabama, you can be. Using your phone is a primary offense so this is the only reason officers need to pull you over. If this were a secondary offense, you would only be pulled over if you were breaking any additional laws while using your cell phone.

What are the license renewal procedures for older drivers?

In many states, there are different laws for drivers license renewals for the general population and older drivers. The time period between renewals is also different in every state.

According to the IIHS, the renewal cycle in Alabama is every four years for the older population in Alabama. Every other renewal cycle, or every eight years, drivers can renew their license online.

In many states there is a vision test for drivers older than 65, however, Alabama requires no such test.

What is the procedure for new residents?

New residents of Alabama need to inform their insurance companies of their move. If you are moving from a no-fault state, like Florida, to Alabama, your insurer will need to check that you have the proper insurance for living in a new state.

Additionally, you will need to visit your local DMV to get issued a new license.

What are the license renewal procedures?

The license renewal procedure for the general population in Alabama is quite simple. Just like the older population, drivers are required to renew their license every four years. Every eight years, or every other renewal cycle, drivers can renew their license online and do not have to go into the DMV.

What is a negligent operator treatment system?

Every state has reckless driving laws, but how they are worded is important in how the laws are enforced. Below is the exact wording of Alabama’s law on reckless driving (also known as negligent operator treatment systems).

Any person who drives any vehicle carelessly and heedlessly in willful or wanton disregard for the rights or safety of persons or property, or without due caution and circumspection and at a speed or in a manner so as to endanger or be likely to endanger any person or property, shall be guilty of reckless driving.

The way the law is written, an officer can determine whether or not he deems you were driving recklessly. You would then be charged with the original reason you were pulled over and with an additional reckless driving violation.

The charges for reckless driving in Alabama are very serious. Even for a first offense, there is a possibility of jail time.

What are the rules of the road?

As highlighted by the reckless driving laws, it is extremely important to know the rules of the road. This will help keep you safe from getting tickets as well as keep other drivers safe.

Is Alabama at fault or no-fault state?

There are two ways in which states deal with drivers who cause accidents and these systems are categorized as no-fault systems, or at fault systems. We will review what these mean below.

• No-Fault — Each insurance company will compensate its own policyholder in the case of more minor injuries. The goal of no-fault insurance is to keep the costs of car insurance down by keeping more cases out of the court system.
• Fault Insurance — In this case, the person that is at fault for the accident occurs the responsibility, in most cases through their insurance company, for damages or injuries in the accident.

As we have covered, Alabama is an at-fault insurance state, meaning the person who caused the accident is liable for personal and property damage caused.

What are the seat belt and car seat laws?

Seat belt and car seat laws are in place to protect people in the unfortunate case of an accident. Seat belts are there to save your life, so make sure to buckle up out there.

Let’s take a look at IIHS’s information on seat belt laws.

Seat belt laws in Alabama apply to anyone 15 years or older sitting in the front seat. This means that you must buckle our seatbelt or you can be pulled over and ticketed by an officer. Alabama also passed a new seat belt law that requires backseat passengers to buckle up. This law went into effect on September 1, 2019.

Car seat laws are a bit more nuanced to the age and seating limits.

Children younger than one must be in a rear-facing child restraint. From the age of one to four children must be in a front-facing child restraint, and those ages 5 – 6 need to be in a booster seat. You might be asking yourself, what are the penalties for breaking these laws?

The penalties for breaking one of these laws are as strict as you may think. Breaking a seatbelt or car seat law in Alabama carries a $25 fine for the first offense.

What are the keep right and move over laws?

Do you ever experience those pesky slow drivers in the left lane? Keep right laws are in place to keep the traffic moving and let faster cars pass on the left lanes.

Luckily for Alabama drivers, keep right laws are in effect in Alabama, which means slower drivers must keep right to allow faster drivers to pass on the left.

However, Alabama recently passed a new law that prohibits drivers from traveling in the left lane for more than a mile and a half (unless they are passing other vehicles). The goal of this new law is to help prevent road rage, which in turn will help reduce accidents.

Alabama also has a move over law, which is important to follow as hundreds of people are killed every year by drivers who fail to move over.

Anytime you see a vehicle with flashing lights on the side of the road, you must move over a lane. If you can’t move over, you must slow down (at least 15 mph below posted speed limit) and proceed with caution.

What’s the maximum speed limit?

Are you ever not sure what the speed limit is when driving down the road and worry you are going to fast?

Here are the speed limits that you will find in Alabama.

• Rural interstates – 70 miles per hour
• Urban interstates – 65 miles per hour
• Limited access roads – 65 miles per hour

Speed limits are slower on roads through cities, however, these will vary more so look out for posted speed limits.

How does ridesharing work?

In 2018 ridesharing became available to use, or work for, across Alabama. Previously, ridesharing was only available in select cities statewide.

With the new law in effect, how does this affect insurance for those driving for rideshare companies?

Many times, personal auto insurance policies won’t cover losses if you are driving for a ride share company which negatively hurts the drivers because, in the event of an accident, they might not be covered and will owe lots of money.

State Bill 262 was passed in 2018, after allowing rideshare companies to operate state-wide, to better insure drivers on the road. Drivers who drive for rideshare programs are now required to have higher coverages in their insurance. They need a minimum coverage of the following:

• $50,000 per person
• $100,000 per accident
• $25,000 for physical damage

These minimum requirements are almost double the requirements for drivers not driving for rideshare programs.

Is there an automation on the road?

As technology is progressing, the production and usage of autonomous vehicles is becoming more and more popular. It seems like everyone is talking about them now. How do these vehicles affect drivers on the roadways and what does this mean for you?

Well, in Alabama, it doesn’t change much.

Alabama doesn’t currently have laws regarding automation, as Alabama is still studying automation to determine the next steps the state will take.

What are the safety laws?

Safety is the most important thing on the roads. Here we cover these laws so you know what to expect.

What are the DUI laws?

Driving under the influence puts you, and the people around you in danger. That is why it is considered a serious offense and the penalties can be very steep.

DUI charges result in fines, jail time, and other penalities.

What are the marijuana-impaired driving laws?

Some states have specific laws against Marijuana-Impaired driving. Currently, Alabama doesn’t have a law against marijuana-impaired driving.

This doesn’t mean you won’t be punished for driving while high. Marijuana-impaired driving falls under impaired driving in Alabama, meaning you will receive fines and possible jail time or license suspension.

What are the distracted driving laws?

Texting in Alabama is prohibited for all drivers and young drivers have a full-on cell phone ban while operating a motor vehicle. There are no hands-free laws in Alabama.

Texting while driving is a primary offense though. Officers can, and will, pull you over if you are texting. They DO NOT need any other reason to pull you over.

What’s driving in Alabama like?

You are well on your way to knowing everything you need to know about driving and insurance in Alabama, but there are still risks that you need to be aware of.

In every state, the level of car theft and fatal accidents vary. Knowing what risks your state is prone to can help you avoid an accident or theft.

Here are a few more topics that you need to know to keep you and your car safe, from everything to vehicle theft to traffic congestion.

Is there a vehicle theft in Alabama?

The above table shows the top cars to be stolen in Alabama. In this table, the year with the vehicle is the most popular year of that model that was stolen.

For example, there were 180 total Honda Accords stolen, and the most popular Honda Accord to be stolen was the 1998 model.

If you are interested in the rates of car theft in your city, search the table below that shows the FBI’s 2013 crime data report data.

What’s the number of road fatalities in Alabama?

Here we have compiled the National Highway Traffic Safety Administration’s (NHTSA) information on road fatalities and their causes in Alabama.

What’s the number of fatal crashes by weather and light condition?

Everyone knows that driving in rainy or snowy weather is more dangerous than standard driving conditions. Even a sunny day can be riskier, as the sun may temporarily blind drivers.

To see what weather conditions are common in Alabama, and how many fatal accidents occur during these weather conditions, check out the table below.

What’s the percentage of fatalities (all crashes) by county?

The table below shows the number of fatal crashes that have occurred in Alabama’s counties.

What’s the number of traffic fatalities?

It’s true. The road type you are driving on may have significant risks. Rural roads are more dangerous than urban roads, due to factors like speeding and rollover accidents.

Alabama’s roads can be deadly. In 2016, rural roads saw a total of 803 fatal accidents. Fortunately, this number decreased to 596 fatalities on rural roads in 2017.

What’s the number of fatalities by person type?

If you are in a large truck during an accident, you have a better chance of surviving the crash than if you were in a tiny Volkswagen Beetle.

The table above shows which person types see the most fatalities in Alabama. As you can see, vehicle occupants are not the only fatalities claimed by accidents.

Also counted are pedestrian and cyclists who are killed by drivers.

What’s the number of fatalities by crash type?

The table below shows some of the most dangerous accident types.

The data shows how accidents like roadway departures are more dangerous than accidents caused by intersections, as roadway departures have a much higher death rate.

Five-year trend or the top 10 counties

Driving laws and tickets are meant to lower fatalities by enforcing safe driving practices. The table below shows just how effective Alabama’s top counties have been at lowering fatalities rates.

Unfortunately, while some counties have experienced lower fatalities in some years, the number of fatalities tends to increase again.

What’s the number of fatalities involving speeding by county?

Speeding is dangerous, as it limits a driver’s control of a car. Avoiding potential obstacles and turning is more difficult to accomplish at higher speeds.

Some counties have less speeding deaths than others, which could mean they are more efficient at enforcing speed limits or merely have lower speed limits altogether.

What’s the number of fatalities in crashes involving an alcohol-impaired driver (BAC = .08+) by county?

Alcohol and driving are a dangerous mix. The table below shows the number of alcohol-impaired driving fatalities across Alabama.

If you have a high number of alcohol-impaired fatalities in your county, this means you might be out on the road with a higher number of drunk drivers.

What are the teen drinking and driving laws?

Unfortunately, some minors also get arrested for making the poor choice of drinking and driving.

Alabama has one of the lowest arrest rates for DUI’s for people under the age of 18. The national average of DUI arrest under the age of 18 total per million people is 94.84, much higher than the rate in Alabama.

This may seem like young drivers are staying away from drinking and driving, but this is not true.

Alabama’s rate for underage, alcohol-impaired fatalities is 2.7 per 100,000 population, which is much higher than the national average of 1.2 underage, alcohol-impaired fatalities per 100,000.

This means that Alabama needs to work harder at arresting underage, drunk drivers to lower the number of fatalities in the state.

What’s the EMS response time?

Below is NHTSA’s data on EMS response times in Alabama.

In Alabama, if you are in a crash and need to be taken to a hospital, you can expect to arrive there much sooner in an urban area rather than a rural one. In both cases, however, EMS averages under an hour to the hospitals in both urban and rural environments.

What’s transportation like?

Every day Americans use motor vehicles to get to work, the store, and leisure activities. Let’s take a deeper look into the specifics of transportation in Alabama by looking at Data USA’s information.

What’s the percentage of car ownership?

As in most of the U.S., the average Alabama household owns a total of two cars.

What’s the average commute time?

The average Alabama resident spends 23.8 minutes commute time driving to work (making for a total of 47.6 minutes commuting a day). This is less than the average U.S. commute time of 25.5 minutes.

A small percentage of Alabama residents (1.88 percent) have a super commute, which is a commute greater than 90 minutes.

Is there a preferred commuter transportation?

The graphic below shows how most Alabama residents get to work each day.

If you want to avoid a commute altogether, a small percentage of Alabama residents chose to work from home.

Is there a traffic congestion in Alabama?

In Birmingham, Alabama, the traffic index is 116.10. The traffic index is a combination index of time consumed in traffic due to job commute, the dissatisfaction of time spent in traffic, carbon dioxide consumption while in traffic, and the overall inefficiency of the traffic system.

The higher the index, the worse the traffic is.

The time index, or the average one-way time to commute to work, is 25.58 minutes while the time exp index is 25.81.

The time exp index measures the overall dissatisfaction of waiting in traffic. This number dramatically increases when the time spent commuting to work is larger than 25 minutes. So overall, the commute in Birmingham is average.

Additionally, the inefficiency index is 167.87, which is a measurement in the inefficiencies in traffic, largely caused by the lack of public transportation with a high population.

The inefficiency index in Birmingham is also very average.

Now that you’ve finished our comprehensive guide, you are prepared to start driving your vehicle on Alabama’s streets.

Want to start comparison shopping today? Enter your zip code in our FREE online tool below.

Related Articles

• Top 10 Alabama Car Insurance Companies