Rates in Alabama:

In 2010, the average auto insurance premium in Alabama averaged $1,243. This was a 0.03 percent change in the average auto insurance premium rate from 2009. In the United States, 38 states were found to have a higher average premium than Alabama, while 11 states were found to have a lower average premium. In 2007, 39 states were found to have a higher average premium than Alabama. In the year 2000, 34 states were found to have a higher average premium than Alabama.

Factors That Affect The Cost of Insurance in Alabama:

• The Speed Limit inside Cities was 65.
• The Speed Limit on Highways was 65.
• The Limit for Blood Alcohol Percentage was 0.08.
• The Open Container Law was that the passenger and driver of a vehicle were both prohibited from having open alcohol in their possessions.
• There were no statewide bans on the use of a hand held cell phone while driving.
• There were no statewide bans on the use of cell phones by drivers.
• The penalty for a first offense for a DUI or DWI was a 90 day suspension of the driver's license.
• Furthermore, the driver's privileges could not be restored while they were under suspension.

Data on Auto Insurance Premiums in Alabama:

• The average premium in 2008 was $0.00.
• The average premium in 2007 was $0.00.
• The percentage change from 2007 to 2008 was 0.03%.
• The collision cost in 2008 was $0.00.
• The liability cost in 2008 was $0.00.
• The comprehensive cost in 2008 was $0.00.
• The premium rank in 2008 was 39.

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