Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jul 19, 2021

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Alabama Statistics Summary
Road Miles
Total in State: 102,018
Vehicle Miles Driven: 65,667 Million
Vehicles Registered: 5,251,076
Total Stolen: 10,141
State Population4,887,871
Most Popular VehicleF150
Percentage of Motorists Uninsured18.40%
State Rank: 6th
Driving Deaths Speeding (2008-2017) Total: 2,957
Drunk Driving Total: 1,038
Average Premiums (Annual)Liability: $394.21
Collision: $317.96
Comprehensive: $146.28
Combined Premium: $817.95
Cheapest Provider USAA
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Welcome to Alabama! Affectionately referred to as the “Heart of Dixie.” Alabama is called home to 4.86 million people. That is a lot of drivers and cars using Alabama’s over 100,000 miles of road.

Trying to navigate the complex world of the insurance industry can be hard. Not to mention, the laws and regulation to keep you legal on the streets of Alabama. We are going to help you with this process and make it easy!

We will go through rates and the best insurance carriers in the state. We will also visit topics like coverage requirements, seatbelt laws, commuting times, and everything in between! So sit back and let us do the work for you.

And don’t forget, we make extra easy because you can even get quotes right here on this page!

Table of Contents

Alabama Car Insurance and Rates

Most states, if not all, require a minimum amount of car insurance to be legal to drive your vehicle on the roads. We are going to cover the minimum limits and also talk about some other endorsements you can add to your policy to make sure you are adequately insured.

We will also take a look at the lowest cities and zip codes in Alabama to purchase insurance! Make sure to check out if your city and where you rank in car premium!

Alabama Minimum Coverage

CoveragesMinimum Limits
Bodily Injury Liability Coverage$25,000 per person/$50,000 per accident
Property Damage Liability Coverage$25,000 minimum
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The minimum coverage required to operate a vehicle on a registered auto in Alabama is $25,000 for property damage liability and $25,000 for bodily injury per person and $50,000 per accident. This is the minimum limits. When driving your vehicle, you want to think about how much would cost you if you were to get in an accident. The damage to your car and the damage to persons involved.

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Liability coverage only covers others in the event of an accident you are held liable. Meaning in an accident where you are found at fault, this coverage only covers the other person and his or her property damage.

Another important thing to remember is insurance companies only pay out the limits of the policy. Once the limits are exhausted, you are personally held responsible for the rest of the claim. If you are involved in a serious accident or the accident involves a luxury vehicle and only have minimum limits, chances are your coverages wouldn’t cover the entire claim.

Financial Responsibility

It is your financial responsibility to have the required amount of insurance on your vehicle. If you do not have insurance, there are penalties under Alabama law.

If you are convicted of a mandatory insurance violation, your first offense could result in a $500 fine. A second or subsequent violation could result in a $1000 fine and registration suspension. Along with the violation fines, you will also have registration fines. The first registration fine is $200 and subsequent fines can be up to $400 along with more registration suspensions.

Premiums as a Percentage of Income

We know registered cars must have insurance, so now let’s take a look at how much of your income will go towards paying your insurance premiums.

As of 2016, Alabama ranks 36th in auto insurance premiums.

Alabamians are paying 2.50 percent of their disposable income on insurance. Their almost $840 a year premium converts to about $70 a month.

YearFull CoverageDisposable Income% of Income
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Average Monthly Car Insurance Rates in AL (Liability, Collision, Comprehensive)

The average American pays $1,311 a year for insurance. Drivers in Alabama pay $1,320 each year. Let’s break down what those coverages are and take a look at what they cost.

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CoverageAverage Premium
Full Coverage$817.95
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Additional Liability Coverages

There are additional liability options you can add to your policy. Alabama requires minimum limits on bodily injury and personal property. There are other liability options you can add to your policy.

Medical payments coverage can be added to your policy to give you extra protection for paying medical bills. This coverage can be used no matter who is at fault. Also, it not only covers you but other passengers in your vehicle at the time of the accident.

Alabama ranks 6th in the country for highest precentages of uninsured motorists!

Loss Ratio is used to calculate loss versus gain. For example, if an insurer pays $50 in claims for every $100 of premium, their loss ratio would be 50 percent. If a company’s loss ratio is too high, they are not making any money. If it is too low, they do not pay out many claims.

Loss Ratio 201320142015
Medical Payments (MedPay)68%67%70%
Uninsured/Underinsured Motorist Coverage (UUM)74%76%83%
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Add-ons, Endorsements, and Riders

Insurance companies also offer other coverages to be added onto your policy. It is always important to go over your policy needs with your insurance agent. Your agent can go over these endorsements with you to see which ones would benefit you.

Average Monthly Car Insurance Rates by Age & Gender in AL

CompanyMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old maleSingle 17-year-old femaleSingle 17-year-old maleSingle 25-year-old femaleSingle 25-year-old male
Allstate P&C$2,003.19$1,911.71$1,810.29$1,845.47$6,912.73$7,426.75$2,248.40$2,300.90
Geico Cas$2,056.10$2,040.76$1,948.49$2,007.68$5,383.66$5,284.58$2,171.19$2,018.96
Mid-Century Ins Co$2,391.72$2,374.46$2,137.64$2,269.18$9,212.40$9,480.84$2,718.78$2,828.88
Nationwide Mutual Fire$1,739.15$1,761.83$1,583.95$1,641.07$4,558.03$5,880.92$1,929.78$2,158.89
Progressive Specialty$2,413.50$2,264.79$1,979.19$2,112.90$9,878.37$11,026.64$2,824.87$3,005.15
Safeco Ins Co of IL$3,086.86$3,335.34$2,530.47$2,830.81$11,250.27$12,511.44$3,289.13$3,504.83
State Farm Mutual Auto$2,934.88$2,934.88$2,651.27$2,651.27$8,835.43$11,068.85$3,314.66$3,821.44
Travelers Home & Marine Ins Co$1,501.32$1,524.86$1,407.98$1,403.64$8,037.20$12,641.31$1,422.13$1,631.77
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Rates typically are higher for single, younger drivers. Your coverage amounts and driving record will also be a huge part of your premium, but as you can see from the above table, your age and marital status can affect your rate.

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Cheapest Rates by Zip Code

Now let’s take a look at rates by zip code. You can see on this table the least and most expensive zip codes of Alabama. See if your zip code made the list!

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Most Expensive Zip CodesAverage Cost Least Expensive Zip Code Average Cost
Birmingham 35218$4,428.60Dothan 36305$3,384.78
Birmingham 35214$4,352.20Kinston 36453$3,384.75
Birmingham 35208$4,327.78Hartford 36344$3,384.66
Birmingham 35217$4,326.47Sheffield 35660$3,384.35
Birmingham 35207$4,325.57Tuscumbia 35674$3,383.56
Birmingham 35204$4,313.01Cowarts 36321$3,381.81
Birmingham 35211$4,304.81Black 36314$3,376.27
Birmingham 35206$4,301.59Cottonwood 36320$3,375.53
Birmingham 35249$4,288.29Columbia 36319$3,371.40
Birmingham 35228$4,281.12Cherokee 35616$3,370.38
Bessemer 35020$4,276.93Newton 36352$3,369.81
Fairfield 35064$4,264.43Enterprise 36330$3,368.24
Birmingham 35224$4,249.02Pansey 36370$3,365.75
Birmingham 35221$4,226.77Gordon 36343$3,362.40
Birmingham 35203$4,223.99Fort Rucker 36362$3,359.23
Birmingham 35215$4,220.08Samson 36477$3,356.68
Birmingham 35234$4,217.90Muscle Shoals 35661$3,354.44
Mobile 36615$4,216.38Skipperville 36374$3,354.03
Saint Elmo 36568$4,216.23Ashford 36312$3,349.21
Dolomite 35061$4,215.19Opp 36467$3,345.94
Mulga 35118$4,207.95Coffee Springs 36318$3,338.62
Birmingham 35254$4,202.26Dothan 36303$3,337.79
Wilmer 36587$4,201.84Chancellor 36316$3,330.05
Birmingham 35212$4,190.95Daleville 36322$3,310.66
Mobile 36605$4,190.04Ozark 36360$3,310.05
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Rates by City

We also have a table showing rates by city.

Most Expensive CitiesAverage Rate Least Expensive Cities Average Rate
SAINT ELMO$4,216.23DALEVILLE$3,310.67
MULGA$4,207.95COFFEE SPRINGS$3,338.62
NEW CASTLE$4,131.09COLUMBIA$3,371.40
GRAND BAY$4,129.30COTTONWOOD$3,375.53
EIGHT MILE$4,080.85KINSTON$3,384.75
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Best Alabama Car Insurance Companies

Finding the right insurance company can be hard. Your credit may not be great or you may have a rough driving record. We are going to look at some different companies in the state and show you which ones may be a good fit.

We will briefly cover financial ratings, complaints, rates, and the largest carriers in your state. So sit back and relax, let us do the work for you!

The Largest Companies Financial Rating

Companies have financial ratings from global credit rating agencies. This information helps an insured look and see if their company has good financial standing.

ProvidersAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
Allstate Insurance GroupA+$345,60310.40%49.83%
Amtrust NGH GroupA-$82,9402.50%65.13%
Farmer's Insurance Group NR$79,9812.41%53.33%
Liberty Mutual Group A$82,1402.47%68.13%
Nationwide Corp GroupA+$92,6282.79%67.33%
Progressive Group A+$237,4407.14%59.82%
USAA Group A++$232,3346.99%79.17%
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Who are the largest car insurance companies in Alabama?

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Companies with Best Customer Ratings

While financial standing is very important since you want your company to pay out for your claim, you also want a company with good customer service. When dealing with a claim or other issue, you want a company willing to go the extra mile. The price point may get you in the door initially, great customer satisfaction will keep you, even when rates may go up.

Companies with Most Complaints in Alabama

Another important factor to look at are complaints filed against the company. Just like with customer service, you do not want to be insured with a company having a reputation of having a lot of complaints.

Top Providers of Car Insurance in AlabamaCompany Complaint Ratio 2017Total Complaints 2017
Allstate Insurance Group 0.5163
Amtrust NGH Group02
Farmers Insurance Group 00
Liberty Mutual Group 5.95222
Nationwide Corp Group0.2825
Progressive Group 0.75120
USSA Group 02
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Take a look at these 6 major factors affecting auto insurance rates in Alabama.

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Average Car Insurance Rates by Company

Now let’s look at how these insurers measure up in price point. Below is a table of premiums in comparison with state averages.

Compared to State Average
Percentage Compared to State Average
Allstate P&C$3,307.43-$396.32-11.98%
Geico $2,863.93-$839.83-29.32%
Mid-Century Ins Co$4,176.74$472.9811.32%
Nationwide Mutual Fire$2,656.70-$1,047.05-39.41%
Progressive Specialty$4,438.18$734.4216.55%
Safeco Ins Co of IL$5,292.39$1,588.6430.02%
State Farm Mutual Auto$4,776.58$1,072.8322.46%
Travelers Home & Marine Ins Co$3,696.27-$7.48-0.20%
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Commute Rates by Companies

How your car is used is also a factor in obtaining an accurate quote. Is your car used for work? If so, how long is your commute? Does this really make a huge impact on your premium?

Company Commute and Annual Mileage Annual Average Cost
Allstate10 miles commute. 6000 annual mileage.$3,307.43
Allstate25 miles commute. 12000 annual mileage.$3,307.43
Farmers10 miles commute. 6000 annual mileage.$4,176.74
Farmers25 miles commute. 12000 annual mileage.$4,176.74
Geico10 miles commute. 6000 annual mileage.$2,811.66
Geico25 miles commute. 12000 annual mileage.$2,916.19
Liberty Mutual10 miles commute. 6000 annual mileage.$5,292.39
Liberty Mutual25 miles commute. 12000 annual mileage.$5,292.39
Nationwide10 miles commute. 6000 annual mileage.$2,656.70
Nationwide25 miles commute. 12000 annual mileage.$2,656.70
Progressive10 miles commute. 6000 annual mileage.$4,438.18
Progressive25 miles commute. 12000 annual mileage.$4,438.18
State Farm10 miles commute. 6000 annual mileage.$4,661.41
State Farm25 miles commute. 12000 annual mileage.$4,891.76
Travelers10 miles commute. 6000 annual mileage.$3,696.27
Travelers25 miles commute. 12000 annual mileage.$3,696.27
USAA10 miles commute. 6000 annual mileage.$2,028.29
USAA25 miles commute. 12000 annual mileage.$2,222.84
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As you can tell, commuting distances do not usually change the rate of your premium. We are going to talk about what can really change your premium as we continue.

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Coverage Level Rates by Companies

How much does the coverage actually cost? Most people, like you, looking for insurance want to know the price. Is the extra coverage really worth the price? Is adding that extra coverage going to raise your premium a significant amount? Let’s take a look.

GroupCoverage TypeAnnual Average
Liberty MutualHigh$5,558.30
Liberty MutualMedium$5,267.49
Liberty MutualLow$5,051.39
State FarmHigh$5,039.03
State FarmMedium$4,770.51
State FarmLow$4,520.21
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As you can see, sometimes the jump from a low coverage to a higher coverage may not be as costly as one would think. Also, from this table, you can see shopping your insurance can be very beneficial. In some cases, the low coverage with one company may be higher than more coverage with another company!

Credit History Rates by Companies

Credit history is another factor insurance companies take into consideration when rating your policy. Most people think of credit history or rating as something used when making a large purchase, like a home or car, but it is also used in obtaining insurance rates. Just like an insured would want to know if a company can pay out for their claim, the company wants to know if the insured can pay their premiums.

GroupCredit HistoryAnnual Average
Liberty MutualGood$3,649.25
Liberty MutualFair$4,648.39
Liberty MutualPoor$7,579.54
State FarmGood$2,663.44
State FarmFair$3,920.59
State FarmPoor$7,745.72
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The lower your credit rating is the higher your premium is. This chart can give you an idea of what companies may be lower in premium if you have a lower credit rating.

Driving Record Rates by Companies

That speeding ticket can cost you, in court and fees, and also your insurance. But just how much will it cost you?

GroupDriving RecordAnnual AverageGroup Driving Record Annual Average
AllstateWith 1 DUI$3,920.50USAAWith 1 speeding violation$1,768.57
FarmersWith 1 speeding violation$4,213.26NationwideWith 1 accident$2,323.90
FarmersWith 1 DUI$4,434.02AllstateClean record$2,816.35
FarmersWith 1 accident$4,545.66USAAWith 1 DUI$3,047.46
GeicoWith 1 DUI$3,829.62USAAClean record$1,634.90
Liberty MutualClean record$4,150.32USAAWith 1 accident$2,051.34
Liberty MutualWith 1 speeding violation$5,590.03NationwideWith 1 DUI$3,384.37
Liberty MutualWith 1 DUI$5,650.89FarmersClean record$3,514.01
Liberty MutualWith 1 accident$5,778.33TravelersWith 1 speeding violation$3,749.72
ProgressiveClean record$4,009.21GeicoClean record$1,935.00
ProgressiveWith 1 DUI$4,305.95NationwideClean record$2,323.90
ProgressiveWith 1 speeding violation$4,399.76NationwideWith 1 speeding violation$2,594.63
ProgressiveWith 1 accident$5,037.78TravelersWith 1 accident$3,230.82
State FarmClean record$4,314.58GeicoWith 1 speeding violation$2,583.05
State FarmWith 1 DUI$4,725.25GeicoWith 1 accident$3,108.04
State FarmWith 1 speeding violation$4,725.25TravelersClean record$3,078.73
State FarmWith 1 accident$5,341.26AllstateWith 1 accident$3,315.55
TravelersWith 1 DUI$4,725.83AllstateWith 1 speeding violation$3,177.32
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A DUI is going to carry a higher premium increase than most other infractions. You can get an idea of what that accident or speeding ticket is going to cost you with different companies.

Number of Insurers in Alabama

There are a lot of insurers in the state of Alabama. Domestic insurers refer to the companies that have headquarters in your state. While foreign companies are companies that may be located in other states but still write business in Alabama.

Number of Licensed Insurers in Alabama
DomesticForeignTotal Number of Licensed Insurers
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Alabama State Laws

We are now going to move onto Alabama state laws. We will discuss licensing regulations, rules of the road, and safety laws.

So let’s get started covering some important regulations to keep you legal and safe on the road!

Car Insurance Laws

The Code of Alabama 1975 is where you can find all the insurance law and regulations for Alabama. It is rather lengthy, so to save you time, we are going to hit some of the major points and break them down.

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Windshield Coverage

There is no law requiring zero deductible plans or repair specifications. Some insurers will offer coverage if you have comprehension on your policy.

High-Risk Insurance

Chances are if you are a high-risk driver, you may be required to have an SR-22 filing. SR-22 is a filing with your insurance company required by the state. The state will determine whether a need for the filing is necessary and usually it will last three to five years.

Alabama Auto Insurance Plan can help when trying to obtain insurance that would otherwise be difficult in an open market.

Automobile Insurance Fraud in Alabama

In 2012, Act 12-429 was passed making it a felony to commit to insurance fraud in Alabama. It also requires insurers to report any suspected fraud.

Statute of Limitations

Statute of limitations is the time frame in which you can file a claim from the date of the occurrence. You have two years to file bodily injury and/or property damage liability.

Vehicle Licensing Laws

What is the penalty for driving without insurance? How hard is it to renew your license in Alabama? We are going to touch on some important issues regarding the rules of the road.

Penalties for Driving Without Insurance

Thinking of driving without insurance? Think again. The fines are steep and your registration could be suspended for up to four months.

Penalties for Driving Without Insurance in Alabama
1st Offense- Fine up to $500
- Registration suspension with $200 reinstatement fee
2nd Offense- Fine up to $1,000 and/or six-month license suspension
- $400 reinstatement fee with four-month registration suspension
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Not to mention, if you get into an accident while uninsured you would be held liable for your damages.

Teen Driver Laws

For a parent having a teen driver can be daunting. Thankfully, Alabama has set a few restrictions regarding teen driving. They have restricted night time driving and how many passengers can be in a vehicle.

Restrictions for Restricted Licenses in Alabama
Nighttime restrictionsMidnight to 6 a.m.
Passenger restrictions (family members excepted unless noted otherwise)no more than 1 passenger
Minimum age at which restrictions may be lifted
Nighttime restrictions 17 and licensed for 6 months (minimum age: 17)
Passenger restrictions 17 and licensed for 6 months (minimum age: 17)
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Alabama also has minimum requirements for teens to obtain their license to make sure each teen driver is ready to hit the Alabama roads.

Requirements for Getting a License in Alabama
Mandatory Holding Period 6 months
Minimum Supervised Driving Time 50 hours (none with driver education)
Minimum Age 16 years old
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New Residents

New residents to Alabama have thirty days to register their vehicle. You must have the title of the vehicle and show your mandatory minimum required insurance limits. You can click here for answers to frequently asked questions.

License Renewal Procedures

Alabama requires your license be renewed every four years. Online renewal, every other renewal period, makes renewing your license a breeze!

Fault vs. No-Fault

Alabama is an at-fault state. Meaning the person at fault in the accident is to file the claim with their insurance and held liable for damages.

Seat Belt and Car Seat Laws

Seat belts can save a life in a tragic accident. Alabama has the below regulations regarding the use of them:

Safety Belt Laws in Alabama
Effective SinceJune 18, 1991
Primary EnforcementYes; effective since December 9, 1999
Age/Seats Applicable15+ years old in front seat
1st Offense Max Fine$25 plus fees
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Alabama also recently passed a new law that requires backseat passengers to buckle up. This law went into effect on September 1, 2019. Like most states, Alabama also has requirements for the safety of children riding in a vehicle.

Alabama Car Seat Requirements

Type of Car Seat RequiredAge
Rear-Facing Child Restraint Younger than one year old or less than 20 pounds
Forward-Facing Child Restraint One to four years old or 20 - 40 pounds
Child Booster SeatFive (but under six years old)
Adult Belt Permissible Six through 14 years
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Keep Right and Move Over Laws

Alabama requires slower drivers to stay in the right lane. Passing on the right is permissible with these exceptions. In 2019, Alabama also put a new law into effect allowing officers to ticket drivers who stay in the left lane for more than a mile without passing other vehicles.

The goal of this new law is to reduce road rage on Alabama’s roads.

Alabama also requires drivers to move over a lane or slow down for the following stationary vehicles with flashing lights:

  • Emergency vehicles
  • Utility vehicles
  • Municipal vehicles
  • Department of Transportation vehicles

It’s important to obey the move over law, as it protects the people working around the vehicles.

Speed Limits

Speed limits vary from state to state. While they are always posted, it is good to know what your state regulations regarding the limit.

Type of RoadwaySpeed Limit
Rural Interstates70 mph
Urban Interstates65 mph
Other Limited Access Roads65 mph
Other Roads65 mph
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Effective July 1, 2018, ridesharing companies like Lyft and Uber, can operate statewide in Alabama. This is great news for people that depend on ridesharing companies to get to and from work and school.

A new law, SB262, was also passed requirement certain insurance requirements to close the gap coverage for drivers operating under a ridesharing company.

Automation on the Road

Automation is no longer a thing of the past. As we move forward, most things are becoming more automated and cars are no different. As cars begin driving themselves, Alabama has regulations regarding the operation of automated vehicles.

Driving AllowedDeployment
Operator License RequiredYes
Operator Required to be in the VehicleDepends on level of vehicle automation
Liability Insurance RequiredYes
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Safety Laws

Everyone wants to be safe on the roads. Sometimes you are the safe one, and you are involved in an accident with someone distracted or under the influence. Alabama has laws to deter the use of alcohol and distractions while on the road.

DUI Laws

Name for Offense Driving under the influence (DUI)
BAC Limit0.08
High BAC Limit 0.15
Criminal Status1st to 3rd offenses are misdemeanors; 4th+ in 5 years is a class C felony
Look Back Period 5 years
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If you do find yourself charged with a DUI, below are penalties for your offense. If you have more than one offense, the penalty will become greater.

DUI - 1st Offense 
License RevokedMandatory 90 days
Jail TimeUp to one year in a municipal or county jail (no time minimum)
Fine$500 to $2,000
+$100 for Impaired Drivers Trust Fund
Other Mandatory DUI school
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DUI - 2nd Offense 
License Revoked1 year
Jail Time48 consecutive hours at least (up to 1 year) OR no less than 20 days of community service
Fine$1,000 to $5,000
+$100 for Impaired Drivers Trust Fund
Other NA
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DUI - 3rd Offense 
License Revoked3 years
Jail Time60 days to 1 year in a municipal or county jail
Fine$2,000 to $10,000
+$100 for Impaired Drivers Trust Fund
Other NA
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DUI - 4th Offense 
License Revoked5 years
Jail Time1 to 10 years
Fine$4,000 to $10,000
Other NA
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Distracted Driving Laws

Cell phones are owned by most people, including kids. Looking down at a text or missed call for even a second can cause a tragic accident.

Hand-held ban16-year-old drivers; 17-year-old drivers who have held an intermediate license for fewer than 6 months
Text ban All drivers
Enforcement Primary
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Alabama Can’t-Miss Facts

We have covered a lot of information for Alabama residents! Lastly, let us take a brief look at some not so fun things. Accidents happen which means fatalities can occur. Vehicles are stolen. We are going to touch on those topics and a few others.

Vehicle Theft

Below is a table showing the top 10 types of vehicles most commonly stolen.

Vehicle Make and ModelVehicle YearTotal Thefts
Chevrolet Pickup (Full Size)2005499
Ford Pickup (Full Size)2006357
Toyota Camry2014205
Nissan Altima2014191
Chevrolet Impala2004191
Honda Accord1998180
GMC Pickup (Full Size)1999152
Dodge Pickup (Full Size)1998138
Ford Mustang2002122
Ford Explorer2002119
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Let’s also take a look at which cities have the highest rate of stolen vehicles.

CityTotal Thefts
Phenix City270
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Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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Most accidents occur in normal conditions during the daylight.

Fatalities by City

CityTotal KilledPedestrians KilledPercent of Total Killed2016 City PopulationFatality Rate Per 100,000 Population
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Traffic Fatalities

Alabama Traffic Fatalities by Road Type2008200920102011201220132014201520162017
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Fatalities by Person Type

We can also break down and see what the occupant was driving or a passenger when the fatality occurred.

Alabama Traffic Deaths by Person Type
Passenger Car Occupants357337355416395
Light Pickup Truck Occupants 151150156169145
Light Utility Truck Occupants137116111166143
Van Occupants2015232427
Light Truck (Other) Occupants10391
Large Truck Occupants2515163520
Bus Occupants30100
Other/Unknown Occupants121510259
Bicyclists and Other Cyclists 69937
Other/Unknown Non-occupants22143
State Total8538208501,083948
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Fatalities by Crash Type

Here is a five-year trend of what types of fatalities occur.

Crash Type20132014201520162017
Total Fatalities (All Crashes)8538208501,083948
- (1) Single Vehicle512508482639564
- (2) Involving a Large Truck1098410114499
- (3) Involving Speeding253237236329257
- (4) Involving a Rollover278249269331290
- (5) Involving a Roadway Departure580492540663605
- (6) Involving an Intersection (or Intersection Related)123125158208145
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Five-Year Trend For The Top 10 Counties

Here are the 10 counties with the most fatalities

Jefferson County9277809083
Mobile County6576727775
Madison County3333244537
Tuscaloosa County2738415037
Baldwin County3827323726
Talladega County2715193026
Etowah County1315143125
Cullman County1419252524
Shelby County1620192624
Blount County13651723
Top 10 County Total377361368465380
State Total (Includes All Counties)8538208501,083948
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Fatalities Involving Speeding by County

Speeding is always risky. This table lists the five-year trend in speeding-related fatalities in all Alabama counties.

St. Clair26624
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Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Here’s a look at alcohol-related deaths over the past five years.

County Name2013 Deaths2014 Deaths2015 Deaths2016 Deaths2017 Deaths
Autauga County61343
Baldwin County9101097
Barbour County22213
Bibb County20132
Blount County33144
Bullock County43441
Butler County12236
Calhoun County23563
Chambers County51371
Cherokee County40250
Chilton County54332
Choctaw County31144
Clarke County33211
Clay County10101
Cleburne County31130
Coffee County13284
Colbert County42228
Conecuh County04231
Coosa County04121
Covington County14014
Crenshaw County11131
Cullman County25788
Dale County94433
Dallas County58464
Dekalb County83387
Elmore County48593
Escambia County46635
Etowah County46434
Fayette County13002
Franklin County01100
Geneva County12403
Greene County22213
Hale County30033
Henry County00010
Houston County54191
Jackson County22334
Jefferson County2724212726
Lamar County20010
Lauderdale County35573
Lawrence County24123
Lee County23266
Limestone County54755
Lowndes County42125
Macon County54266
Madison County111051416
Marengo County26113
Marion County21101
Marshall County42365
Mobile County2324232321
Monroe County12312
Montgomery County12111185
Morgan County42534
Perry County10122
Pickens County42120
Pike County02724
Randolph County22021
Russell County16343
Shelby County27674
St. Clair County43154
Sumter County23314
Talladega County844118
Tallapoosa County21351
Tuscaloosa County71319108
Walker County56556
Washington County04211
Wilcox County44312
Winston County10103
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Teen Drinking and Driving

Here’s how Alabama rated in underage drinking and driving arrests in 2016.

Underage Drinking & Driving in Alabama (2016)  
Number of Under 18 DUI Arrests:Total Per One Million People (DUI Under 18 Arrests):Rank:
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Alabama has a zero tolerance against underage drinking. Any consumption of alcohol and driving underage is against the law and can result in driving suspensions.

EMS Response Time

In the event that you are in an accident or need medical attention on the road, here is a table showing EMS response times.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Rural9.45 min13.32 min35.28 min56.82 min715
Urban6.25 min6.83 min27.03 min39.50 min264
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Lastly, we are going to look at statistics regarding car ownership and commuting.

Car Ownership

On average, most families own two cars in Alabama. Three- and one-car households are the next largest groups respectively.

Commuting in Alabama

Over 80 percent of Alabama’s commuters travel alone to work. Of the remaining 20 percent, most carpool or take public transportation. The most common commute time is between 15-20 minutes, although about two percent have a commute of 90 minutes or more.

Traffic congestion continues to be a problem in Alabama. As we see above, most drive to work alone, causing an increase in traffic on Alabama roadways.

We have covered a lot of information! Now that you have been informed in insurers, coverages, and rates you are well on your way to obtaining the best rate! Let us help you here with a free quote comparison!