The effect of driving habits on car insurance in Birmingham
Your driving habits can significantly influence your car insurance rates. If you have a serious driving offense, like a record of speeding tickets, then your insurer may deem you as a high-risk driver and charge higher premiums.[1]
Alternatively, if you drive safely and responsibly by following traffic laws and refraining from distracted driving, your insurance company may reward you with lower rates.
Cheapest car insurance with a clean record in Birmingham: State Farm
Having a clean driving record can help you save on car insurance premiums compared to drivers who have a history of unsafe habits. How much you save will depend on where you live, the type of car you drive, your age, and other factors.[1]
The following table provides a snapshot of the rates good drivers can expect to find in Birmingham.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with an accident in Birmingham: State Farm
Getting into a car accident can seriously affect your car insurance rates. In fact, your rate can increase by $45 to $169 on average in Alabama after an accident. How much your rate increases depends on how serious the car accident is, what type of insurance you have, and your past driving record. In some states, whether or not you were at fault in the accident also affects the rate.[7]
The table below shows the average increase in car insurance rates after an accident in Alabama.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 with a DUI in Birmingham: State Farm
A DUI is a serious offense, and it can be difficult to get car insurance if you have this type of traffic violation on your record. In fact, according to the Insurance Information Institute, “a drunk driving incident is likely to trigger a nonrenewal from virtually every insurance company.”[7] Even if your insurance company doesn’t reject your car insurance policy, your premium can increase by as much as $104 to $385 a month on average.
Below are the cheapest car insurance companies in Birmingham for drivers with a DUI.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 with a speeding ticket in Birmingham: State Farm
If you get a speeding ticket while driving, it’s an indication you may have unsafe driving habits. As such, it’s likely your car insurance rates will increase. The amount will depend on how fast you were driving, your past driving record, and your car insurance company.
Below are the average rates of car insurance companies for drivers with a speeding ticket:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 in other Alabama cities
Where you live affects your car insurance costs. Rates can vary widely, even among cities in the same state. Check out these articles for insight into car insurance costs in some other Alabama cities.