Cheap Auto Insurance Quotes in Birmingham, AL (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Birmingham, AL

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.

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Cheapest Car Insurance in Birmingham, AL

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.

Best Car Insurance in Birmingham, AL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Birmingham. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Birmingham, AL Driving Facts

Minimum Car Insurance Requirements in AL

Alabama's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
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Birmingham Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$504
20s$281
30s$206
40s$252
50s$209
60s$205
70s$232
80s$247
Driving HistoryAvg. Monthly Cost
No Violation$221
Speeding Ticket$277
At-Fault Accident$299
Failure to Stop for Red Light / Stop Sign$261

Birmingham Car Insurance Rates by Driving and Accident History

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.

Birmingham Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost
Excellent$187
Good$225
Average$244
Poor$248

Birmingham, AL DMV Information

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.

Public Transportation in Birmingham, AL

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.

Conclusion: How to get the best and cheapest car insurance in Birmingham, AL

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Birmingham stacks up for the state of Alabama:

nissan
Nissan Altima
Most Popular Car in
Birmingham, AL
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

FAQs - Birmingham, AL Car Insurance

Is car insurance expensive in Birmingham?

Drivers in Birmingham and in Alabama as a whole often pay high rates for their auto insurance. The state averages twice the number of vehicle fatality rates compared to the national average, leading to a natural increase in car insurance premiums.

Can I get car insurance in Birmingham if I have no driver’s license?

Individuals who have had their license suspended but still need to travel to and from work can apply for a hardship license. In these situations, special auto insurance is available but is usually priced very high.

Am I required to have collision coverage in Birmingham?

No, you do not have to purchase collision coverage in Alabama. The law requires that drivers maintain at least $25,000 for bodily liability and $25,000 for property damage protection, with the option of enrolling in additional types of coverage as needed.