Cheap Auto Insurance in Birmingham, Alabama (2025)

Birmingham is a thriving city with a small-town feel. It’s home to state parks, nature trails, and an abundance of attractions like the Birmingham Zoo, Alabama Theatre, and the Birmingham Museum of Art. It’s located in Jefferson County, the most populous county in Alabama, which could be why its liability-only car insurance rates are higher than the state average.

On average, Birmingham residents pay $73 per month for liability-only insurance and $161 per month for full coverage. The state averages, by comparison, are $64 and $132, respectively.

Your car insurance rates may be more or less than the averages, depending on factors like your driving history, age, gender, and more. Here’s what you need to know about finding an affordable auto policy in Birmingham.

7 of the cheapest car insurance companies in Birmingham 

Finding the best car insurance company for you depends on different factors, such as your budget, coverage preferences, and driving record. To help you start your search, Insurify analyzed and identified the best auto insurers in Birmingham, based on customer satisfaction, AM Best financial strength ratings, average quotes, and more.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $88/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $87/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $149/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $88/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $136/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $132/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $92/mo*
Overall rating 3.9 128 reviews	Overall rating 4.9 1,213 reviews	Overall rating 4.3 489 reviews	Overall rating 4.1 6,108 reviews	Overall rating 3.4 29 reviews	Overall rating 3.9 6,474 reviews	Overall rating 3.3 7,024 reviews
Value for money 3.4/5	Value for money 4.9/5	Value for money 4.0/5	Value for money 3.8/5	Value for money 3.1/5	Value for money 3.7/5	Value for money 3.3/5
Customer service 3.8/5	Customer service 4.7/5	Customer service 4.0/5	Customer service 4.1/5	Customer service 3.2/5	Customer service 3.9/5	Customer service 3.3/5
Claims handling 3.9/5	Claims handling 4.9/5	Claims handling 4.4/5	Claims handling 4.1/5	Claims handling 3.2/5	Claims handling 4.1/5	Claims handling 3.4/5
Special highlight AI-generated from 128 user reviews Cheap rates	Special highlight AI-generated from 1213 user reviews Members of the military community	Special highlight AI-generated from 489 user reviews Usage-based savings	Special highlight AI-generated from 6108 user reviews Customer service	Special highlight AI-generated from 29 user reviews Difficult-to-insure drivers	Special highlight AI-generated from 6474 user reviews Teen drivers	Special highlight AI-generated from 7024 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for liability-only coverage: Auto-Owners

Liability-Only Coverage

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User Reviews	3.9 128 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$84/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$121/mo

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Driver Reviews

3.9

A solid optionBased on 219 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (128)

Bruce C

Verified Review

Auto-Owners OK

Reviewed in Michigan on August 2025

Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.

John

Verified Review

Auto-Owners Too Expensive

Reviewed in Georgia on August 2025

Way too expensive. At least $150/month more than others.

Joseph

Verified Review

Average

Reviewed in Florida on August 2025

Good but expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners started in 1916 and stands out for its highly customizable, affordable coverage and numerous discounts. Some of its notable insurance options include coverage for additional expenses, diminished value, purchase price guarantee, and at-fault accident forgiveness. The car insurance company also earned an AM Best financial strength rating of A++ (Superior).

Pros

• Many discounts and coverage options

• Purchase price guarantee

Cons

• Won’t file an SR-22 on your behalf

• Online quotes not available

Best insurer for military members: USAA

Military Members

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User Reviews	4.9 1,213 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$83/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$121/mo

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Driver Reviews

4.9

Best choiceBased on 2,149 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,213)

John

Verified Review

Not recommended for vehicle insurance

Reviewed in New Jersey on August 2025

Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.

Mike

Verified Review

Excellent

Reviewed in Massachusetts on August 2025

Exceptional. It would take major savings to get me to switch.

David

Verified Review

Best insurance company, hands down!

Reviewed in Connecticut on August 2025

Absolutely wonderful! 60 years of great reliability.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA provides a variety of insurance products to the military community, such as car insurance, home insurance, and boat insurance. To purchase a policy, you must be an active-duty, retired, or reserve military member (or an immediate family member of one) and join USAA. Once you’re a member, you can enjoy award-winning customer service and military-specific benefits.

Pros

• SafePilot usage-based insurance program

• Above-average J.D. Power customer satisfaction rating

Cons

• Lower bundling discount than other insurers

• Gap insurance not available

Best insurer for high-risk drivers: AssuranceAmerica

High-Risk Drivers

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User Reviews	3.4 29 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	5.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$103/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$215/mo

Show Details

Driver Reviews

3.4

A solid optionBased on 76 verified guest reviews and ratings

How drivers feel about AssuranceAmerica

Drivers praise the easy online service and customer service but dislike the unexplained and frequent price increases. Some also report poor adjuster assistance.

AI-generated from the text of verified reviews collected by Insurify

Best For

Difficult-to-insure drivers

Minimum coverage

24/7 claims support by phone

How drivers feel about AssuranceAmerica

Drivers praise the easy online service and customer service but dislike the unexplained and frequent price increases. Some also report poor adjuster assistance.

AI-generated from the text of verified reviews collected by Insurify

Best For

Difficult-to-insure drivers

Minimum coverage

24/7 claims support by phone

Reviews (29)

Kyle

Verified Review

So far, it is what it is. Hopefully, I never have to use it.

Reviewed in Florida on August 2025

I've only been on the policy for three months now, maybe only two, so I can't say much. I don't ever get in an accident, so as far as I'm concerned, customer service and pricing have been fair. Hopefully, I'll never have to use it.

Casey

Verified Review

Bad Business

Reviewed in Alabama on July 2025

Bad. Unannounced price increase right on the due date; would not accept payment from any debit card I have previously paid with.

Alisha

Verified Purchase

$75 Upcharge for No AutoPay

Reviewed in on June 2025

Clear distinction on discount requirements. Review all policy documents immediately and call back to ask questions.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

AssuranceAmerica is a regional car insurance company that offers auto insurance to high-risk drivers who may have trouble securing a policy elsewhere. It partners with independent insurance agents across the U.S. to help high-risk drivers find the right coverage.

Pros

• Cheap car insurance rates for high-risk drivers

• Mobile app allows for policy payment and management

Cons

• Higher than expected number of complaints for a company of its size in the National Association of Insurance Commissioners (NAIC) Complaint Index

• Fewer customizable coverage options than competitors

How to get the cheapest car insurance in Birmingham

It will take some time and effort to find the cheapest car insurance for your unique situation. To land the best deal on an auto policy in Birmingham, follow these tips:

• Shop around. It may be tempting to choose a policy from the first car insurance company you find. But if you’d like to save as much money as possible, it’s a good idea to get quotes from several companies and compare your insurance options.

• Consider pay-per-mile insurance. If you’re an infrequent driver, pay-per-mile insurance might be a smart choice. You’ll only pay for the number of miles you drive.

• Ask about discounts. It’s common for car insurance companies to offer a variety of discounts. A few examples include the anti-theft device discount and loyalty discount.

• Bundle policies. You likely need more than one type of insurance policy. If this is the case, you can usually get a discount for bundling an auto policy with homeowners insurance, renters insurance, or life insurance.

Cheapest liability-only car insurance in Birmingham: National General

The state of Alabama requires liability-only car insurance. All drivers must carry minimum limits of 25/50/25.^[2] This type of policy covers the other driver’s property damage and injury expenses after an at-fault accident, not your own. It’s bare-bones car insurance and typically cheaper than full-coverage policies. But if you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage on the vehicle.

Drivers can find the cheapest minimum-coverage policies from National General, with rates as low as $59 per month. Here average monthly quotes from other top insurers offering cheap liability-only car insurance in Birmingham.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
National General	$59
Direct Auto	$66
Progressive	$82
USAA	$83
State Farm	$84
Auto-Owners	$84
Allstate	$90
Bristol West	$90
The General	$91
COUNTRY Financial	$92
Root	$95
AssuranceAmerica	$103
GAINSCO	$108
Travelers	$115
Safeco	$116
GEICO	$126
Dairyland	$130
Nationwide	$143
Farmers	$154
Liberty Mutual	$234

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Birmingham: USAA

If you’d like extra protection on the road, full-coverage car insurance may be worth it. It usually includes liability, collision, and comprehensive insurance. Your lender or lessor may require you to purchase a full-coverage policy if you have a lease or loan on your vehicle.

USAA offers the cheapest full-coverage policies in Birmingham. Its rates start at $121 per month. Here’s a look at other affordable full-coverage car insurers in Birmingham.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$121
Auto-Owners	$121
State Farm	$122
National General	$130
Allstate	$131
Progressive	$133
COUNTRY Financial	$133
Direct Auto	$145
The General	$154
Travelers	$165
Root	$168
GEICO	$181
Safeco	$205
Nationwide	$206
AssuranceAmerica	$215
Farmers	$222
Bristol West	$235
GAINSCO	$271
Liberty Mutual	$309
Dairyland	$383

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Alabama

Like many states, Alabama is an at-fault, or tort, state. This means that after a car accident, the at-fault driver must cover the medical expenses and property damage costs of the other parties.

Alabama is unique in that it follows the contributory negligence rule. Per the contributory negligence rule, if you’re partly at fault for an accident, you may not be able to recover damages. Drivers must also show proof of insurance while driving to avoid consequences.

Alabama requires 25/50/25 minimum liability insurance, which translates to the following coverages:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person and $50,000 per accident
Property damage liability	$25,000 per accident

While purchasing liability-only insurance is a cost-effective option, it may not be enough to fully protect your vehicle or cover any medical expenses after an accident. If you’re looking for additional protection as a driver in Birmingham, you may want to consider these optional car insurance policies:

• 

  Comprehensive coverage

  Comprehensive coverage protects you against damage from non-collision-related events, like fire, theft, and vandalism.

• 

  Collision coverage

  Collision insurance covers the cost to repair or replace your vehicle if you get into an accident with another driver or stationary object, regardless of who’s at fault.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage can save you from hefty out-of-pocket costs if a driver without car insurance or with insufficient coverage hits you.

• 

  Medical payments coverage

  Medical payments insurance is a lot like personal injury protection (PIP) coverage, and it pays for medical expenses and funeral costs, no matter who is at fault.

• 

  Rental car reimbursement coverage

  If you can’t drive your vehicle because it needs repairs after a car accident, rental car reimbursement can help cover the cost of a rental car.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are a few examples of incidents that can increase your car insurance rates. Birmingham drivers with clean records typically lock in the lowest prices. Fortunately, you can still find affordable car insurance with incidents on your driving record. Here are the cheapest insurers in Birmingham for drivers with incidents on their records.

Shop for Auto Insurance in Birmingham

Minimum coverage starts as low as $91 for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: National General

In Alabama, speeding was a top contributor to fatal crashes in 2022.^[3] Speeding can make it difficult to take proper action in dangerous situations and often leads to car accidents. This is why drivers who get speeding tickets can expect higher car insurance costs, even if they don’t cause an accident.^[4]

On average, Birmingham drivers with speeding tickets pay $219 per month for full coverage and $99 for liability-only coverage. The table below shows the cheapest liability car insurance for Birmingham drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT. 

Insurance Company	Clean Record	With Ticket
National General	$59	$77
Direct Auto	$66	$87
Progressive	$82	$112
USAA	$83	$108
State Farm	$84	$108
Auto-Owners	$84	$110
Allstate	$90	$117
Bristol West	$90	$118
The General	$91	$126
COUNTRY Financial	$92	$119
Root	$95	$128
AssuranceAmerica	$103	$129
GAINSCO	$108	$136
Travelers	$115	$151
Safeco	$116	$155
GEICO	$126	$168
Dairyland	$130	$169
Nationwide	$143	$188
Farmers	$154	$201
Liberty Mutual	$234	$306

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: National General

In 2022, law enforcement recorded 144,263 accidents in Alabama.^[5] Most of those occurred in urban areas, but the number of fatalities was higher in rural areas. If you cause an accident, your car insurance premiums will likely increase due to your higher risk of another accident.

An at-fault accident pushes average car insurance rates in Birmingham to $220 per month for full coverage and $100 for liability only. The insurers in the table below offer the cheapest car insurance quotes for Birmingham drivers with an at-fault accident.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT. 

Insurance Company	Clean Record	With Accident
National General	$59	$79
Direct Auto	$66	$91
Progressive	$82	$112
USAA	$83	$110
State Farm	$84	$111
Auto-Owners	$84	$110
Allstate	$90	$119
Bristol West	$90	$120
The General	$91	$126
COUNTRY Financial	$92	$121
Root	$95	$123
AssuranceAmerica	$103	$129
GAINSCO	$108	$140
Travelers	$115	$154
Safeco	$116	$161
GEICO	$126	$159
Dairyland	$130	$174
Nationwide	$143	$191
Farmers	$154	$205
Liberty Mutual	$234	$311

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: National General

In 2022, 6,751 Alabama drivers received DUI citations and 197 people died in drug- or alcohol-related crashes.^[5] Not only can a DUI lead to hefty fines and jail time, but it may also result in more expensive car insurance coverage. This is particularly true if you have to file an SR-22, per Alabama law.

Birmingham drivers with DUIs pay the most for car insurance. Their average monthly rates are $259 for full coverage and $118 for minimum coverage. The table below shows the average monthly liability car insurance quotes for Birmingham drivers with a DUI on their records.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT. 

Insurance Company	Clean Record	With DUI
National General	$59	$91
Direct Auto	$66	$102
Progressive	$82	$132
USAA	$83	$128
State Farm	$84	$130
Auto-Owners	$84	$130
Allstate	$90	$139
Bristol West	$90	$139
The General	$91	$140
COUNTRY Financial	$92	$142
Root	$95	$146
AssuranceAmerica	$103	$159
GAINSCO	$108	$167
Travelers	$115	$177
Safeco	$116	$195
GEICO	$126	$194
Dairyland	$130	$200
Nationwide	$143	$221
Farmers	$154	$237
Liberty Mutual	$234	$361

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: National General

Though experienced drivers, seniors are more likely to get into an accident or seriously injured in an accident than middle-aged drivers. Average premiums usually decrease around age 35 and then increase a bit around age 70, but senior drivers still tend to have lower-than-average rates.

Senior drivers see average monthly insurance rates of $141 for full coverage, and $64 for liability-only. Here’s a look at the lowest auto insurance quotes for seniors in Birmingham.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$74	$51
Auto-Owners	$77	$53
USAA	$83	$57
National General	$83	$38
Allstate	$88	$61
COUNTRY Financial	$90	$62
Direct Auto	$96	$44
Progressive	$100	$61
The General	$108	$64
Travelers	$108	$75
GEICO	$116	$81
Nationwide	$121	$84
Root	$123	$69
Farmers	$140	$97
AssuranceAmerica	$144	$69
Safeco	$160	$91
Bristol West	$164	$63
GAINSCO	$208	$83
Liberty Mutual	$215	$163
Dairyland	$272	$92

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: National General

Teenagers and young adults have less experience behind the wheel than older drivers and face higher car insurance premiums as a result. To save money on auto insurance, teens can stay on their parents’ policy, lock in a good student discount, and complete an approved driving course.

Teen drivers in Birmingham have average car insurance costs of $338 per month for full coverage, and $153 for liability-only policies. For teens and young adults in search of cheap car insurance in Birmingham, start with the insurers in the table below.

The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
COUNTRY Financial	$224	$155
USAA	$238	$163
Auto-Owners	$242	$168
State Farm	$248	$171
Allstate	$275	$189
Progressive	$279	$172
National General	$283	$128
The General	$286	$169
Direct Auto	$305	$139
Root	$314	$178
GEICO	$346	$241
Travelers	$352	$245
Nationwide	$426	$296
Safeco	$436	$247
Bristol West	$452	$173
Farmers	$455	$316
AssuranceAmerica	$458	$219
GAINSCO	$546	$218
Liberty Mutual	$585	$443
Dairyland	$689	$234

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Cheap Auto Coverage in Birmingham

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Birmingham car insurance quotes by credit tier

Car insurers believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. As a result, some car insurance companies look at credit histories of prospective policyholders to determine rates. While a handful of states prohibit insurers from considering credit history, Alabama allows it.

The chart below shows that Birmingham drivers with excellent credit pay $196 per month for car insurance, on average, while drivers with poor credit pay an average of $394 per month.

Is car insurance more expensive in Birmingham?

The average cost of a liability-only auto policy in the U.S. is $104 per month, according to Insurify data. For full coverage, the average monthly cost is $184. At $73 and $161, respectively, Birmingham’s car insurance rates are lower than the national average. But Birmingham's averages are higher than the Alabama state averages of $64 for liability-only coverage and $132 for full coverage.

Note that car insurance rates vary by city and ZIP code within Alabama due to factors like population, crime rates, and the number of uninsured drivers. For example, full-coverage quotes for Birmingham are cheaper than they are in Bessemer, Mobile, and Montgomery.

More cities in Alabama

Here’s a look at average monthly car insurance quotes for other cities in Alabama compared to Birmingham’s rates.

City	Full Coverage	Liability Only
Auburn	$130	$62
Enterprise	$122	$56
Huntsville	$133	$67
Mobile	$151	$75
Montgomery	$162	$73
Tuscaloosa	$150	$69

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Birmingham car insurance FAQs