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Situated in nearly the middle of Alabama, Birmingham is the most populated city in the entire state. Its maze of freeways can become congested, especially near the downtown area, but the city is organized in such a way that popular destinations are rather spread out. It’s critical that you have current auto insurance here, as it’s rumored that anyone driving with out of state license plates is far more likely to be pulled over.
The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Birmingham, AL to find you the cheapest quotes in the area.
Here are the cheapest carriers in Birmingham for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 State Farm | $99/mo |
 Allstate | $100/mo |
 GEICO | $114/mo |
 Travelers | $126/mo |
 The General | $198/mo |
| Best Companies | ||
|---|---|---|
 Nationwide | $191/mo | |
 American Family | $229/mo | |
 Safeco | $178/mo | |
 Liberty Mutual | $324/mo | |
Travelers | $144/mo |
Alabama Cities | |
|---|---|
| Montgomery | $135/mo |
| Mobile | $134/mo |
| Huntsville | $129/mo |
| Tuscaloosa | $136/mo |
| Birmingham | $152/mo |
| Alabama | $137/mo |
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Alabama's minimum liability car insurance limits are as follows:
As the average car insurance rates in Birmingham demonstrate, car insurance companies reward age with lower insurance premiums. Why do young drivers cost more to insure? Car insurance companies can statistically correlate maturity with claims risk. In Birmingham, teen drivers have had far less time on the road than someone in their 60s. Because of this inexperience and other age-related risk factors, teens pay 2.5 times the insurance price, at an average of $503 monthly. Those in their 60s pay the least in Birmingham for their monthly insurance premiums, at $103.
| Driver's Age | |
|---|---|
| teens | $504 |
| 20s | $281 |
| 30s | $206 |
| 40s | $252 |
| 50s | $209 |
| 60s | $205 |
| 70s | $232 |
| 80s | $247 |
| Driving History | |
|---|---|
| No Violation | $221 |
| Speeding Ticket | $277 |
| At-Fault Accident | $299 |
| Failure to Stop for Red Light / Stop Sign | $261 |
There are several reasons not to engage in risky driving behavior in Birmingham. While tickets for violations like speeding or running a red light are expensive enough, poor driving behavior also pushes your insurance rates up. How? Driving mistakes inform an insurer of your added risk. Insurance companies recoup their current and future losses by charging you accordingly. Good drivers in this city can expect to pay $220 a month in insurance premiums, while a driver with an at-fault accident on their record can pay up to $298 per month on average.
How well do you manage your money? Not only is your credit score a reflection of that, but it’s also a strong indicator of future claims activity. For this reason, car insurance companies use credit-based insurance scores to help them set the price for your auto policy. The higher your score, the lower your insurance premiums. In Birmingham, drivers with an excellent score can expect to pay $186 in car insurance. Those with a low score in this city will spend almost 33 percent more, at $247.
| Credit Tie | |
|---|---|
| Excellent | $187 |
| Good | $225 |
| Average | $244 |
| Poor | $248 |
The greater metro area of Birmingham features a handful of offices for residents to visit. Whether you need to stop at a Tag & Title location or you require assistance from a Driver’s License Office, you’ll likely be able to accomplish your tasks with minimal wait time. Each office location tends to feature slightly different hours of availability, so it’s advised that you check ahead of time.
Traveling around Birmingham without a vehicle is easy thanks to the city’s bus system. It features nine routes that serve the north and east portions of the area and offers 11 routes to the south and west. If you’ll be visiting the downtown area at night, Lyft or Uber is your safest option, as many claim this area can be dangerous for pedestrians.
While Birmingham may be the largest city in Alabama, drivers here don’t always have to contend with frequent amounts of traffic. Motorists can be reckless, however, as the state sees a high number of collisions and subsequent fatalities. It’s important to always be alert when driving in Birmingham and to purchase adequate insurance coverage in the event of an accident.
Whether you’re in need of additional coverage or looking to save money on your car insurance, Insurify can help. Birmingham drivers need to answer just a few simple questions before viewing real-time quotes from multiple insurance companies rather than having to visit dozens of websites individually.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Birmingham drivers measure up to their fellow Alabama motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Birmingham drivers rank 14 in the number of car accidents per driver across all cities in Alabama.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Alabama, Birmingham drivers rank 23 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Birmingham drivers rank 21 in the number of DUI’s per driver across all cities in Alabama.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Birmingham is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Alabama, Birmingham drivers rank 2 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Birmingham drivers rank 6 in clean driving records across all cities in Alabama.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Birmingham drivers rank 7 in failure to yield violations per driver across all cities in Alabama.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Alabama, Birmingham drivers rank 5 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Birmingham drivers rank 15 in hybrid and electric vehicle ownership across all cities in Alabama.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
