State risk profile
Alabama
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across Alabama. Scores are informational and focus on relative risk, not individual outcomes.
Score status
55
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Alabama
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is above the national distribution. Traffic exposure is near the national midpoint.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure near the national midpoint.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is near the national midpoint, complaint severity is below the national distribution, litigation environment is near the national midpoint.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is near the national midpoint, market concentration is above the national distribution.
Live traffic context
Active incident feeds in Alabama
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Risk spotlight
Accident & Exposure Risk in Alabama
We highlight the highest-pressure risk signal in Alabama and show the public inputs that drive the score.
81
/ 100
Crash frequency is above the national distribution. Fatality severity is above the national distribution. Traffic exposure is near the national midpoint.
Accident frequency
Crashes per 100k residents with urban vs rural weighting and trend direction.
Sources: NHTSA (FARS), State DOT crash datasets
Accident severity
Fatal and serious injury weighting to capture loss severity pressure.
Sources: NHTSA fatal & injury stats, State injury severity data
Traffic density & congestion
Vehicle miles traveled per capita with congestion multipliers in metros.
Sources: FHWA VMT data, Metro congestion indices
Intersection risk density
Share of crashes occurring in top 5% of high-risk intersections.
Sources: Local DOT crash maps, Open crash GIS datasets
Premium pressure context
How premiums compare with risk in Alabama
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
50
/ 100
Average combined premium: $1,269
Premium pressure is roughly aligned with the current risk baseline.
State context
Data-backed context for Alabama
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is above the national distribution. Traffic exposure is near the national midpoint.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is near the national midpoint, market concentration is above the national distribution.