Siluria

Minimum Liability~$48–$60
Full Coverage~$150–$165
Minimum Coverage Requirements$25K/$50K/$25K

Show more Auto Insurance stats in Alabama

Alabama drivers face moderately priced insurance, but a high accident rate and one of the highest uninsured motorist populations in the country. Rural driving risks, tornado season, and limited transit options mean most residents rely heavily on personal vehicles. While insurance rates remain manageable, policyholders are vulnerable to costly accidents due to weather and underinsured drivers.

Alabama Auto Insurance Facts

Drivers

~3.9–4.0 million licensed drivers as of 2023.
Steady growth, with the majority of drivers outside metro areas.
~94% of Alabama households own at least one vehicle.
Pickup trucks and sedans dominate rural and suburban areas.
Estimated uninsured driver rate: ~19% (among highest in U.S.)

Accidents

Year	Reported Crashes	Injury Crashes	Fatal Crashes
2018	~157,000	~37,750	953
2019	~159,100	~38,000	930
2020	~134,000	~33,300	932
2021	~145,000	~35,500	986
2022	~147,800	~36,100	986

Laws & Regulations

Fault-based (tort) insurance system.
Uninsured motorist coverage must be offered but can be declined.

Find and Compare Local Insurance Agents Near Siluria

Save time and money with a FREE online quote
Match and compare rates from America’s leading insurance carriers - in minutes
Get Online Quote
Go Insurance Agency

9755, 549 1st St SW, Alabaster, AL 35007

(205) 414-6008

Visit Site
Superior Agency

205 Buck Creek Plaza C, Alabaster, AL 35007

(205) 358-8035

Visit Site
Alabama Insurance Agency - Alabaster

1235 1st St N Suite C, Alabaster, AL 35007

(205) 624-3270

Visit Site
David McBrayer: Allstate Insurance

122 1st St S, Alabaster, AL 35007

(205) 685-8686

Visit Site
Alfa Insurance - The Sims Agency, LLC

3391 Pelham Pkwy A, Pelham, AL 35124

(205) 624-6637

Visit Site
Alfa Insurance - Shawn Payne Agency

8333 Hwy 119, Alabaster, AL 35007

(205) 378-7255

Visit Site
Nationwide Insurance: Bentley Insurance Inc.

10052 Hwy 119, Alabaster, AL 35007

(205) 663-6223

Visit Site
Alfa Insurance - The King Agency

130 1st Ave W, Alabaster, AL 35007

(205) 473-3920

Visit Site

Free Online Quote

Siluria

Alabama Auto Insurance Facts

Drivers

Accidents

Laws & Regulations

Find and Compare Local Insurance Agents Near Siluria

Go Insurance Agency

Superior Agency

Alabama Insurance Agency - Alabaster

David McBrayer: Allstate Insurance

Alfa Insurance - The Sims Agency, LLC

Alfa Insurance - Shawn Payne Agency

Nationwide Insurance: Bentley Insurance Inc.

Alfa Insurance - The King Agency

Find a Local Insurance Agents

Get Insured Online

Articles

Legal