Insurer must verify randomly selected insurance policies upon request.
Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Alabama Car Insurance Facts, Estimates & Related Laws
Alabama Car Insurance Facts
Average Car Insurance Rates in AL
Alabama had the 37th highest auto insurance rates in the nation in 2010. 
Rates in AL ranked 37th in the nation in 2009. 
In 2008, AL had the 33rd highest rates in the country. 
Number of Auto Insurance Policies in AL
Alabama ranked 23rd in the nation in auto insurance policies in 2011 with a total of 3,454,427. 
Uninsured Motorist Rate in AL
The uninsured motorist rate in AL ranked 6th in the nation in 2009. 
Alabama Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes
Texting-while-driving ban in place for all drivers. 
Young drivers cell phone ban? Yes
Ban applies to 16-year-old drivers; 17-year-old drivers who have held an intermediate license for fewer than 6 months. 
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect for texting by all drivers. Secondary enforcement in effect for cell phone use by young drivers.. 
With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Alabama Automotive Laws
Safety Belt Laws in AL
Safety belt laws have been in place since 1991 and apply to drivers/passengers 15+ years in front seat. 
Child restraint law in place for younger than 1 or less than 20 pounds in a rear-facing infant seat; 1 - 4 years or 20-40 pounds in a forward-facing child safety seat; 5 but not yet 6 in a booster seat.