120+ more*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Birmingham drivers pay an average of $123 per month for car insurance, breaking down to an average of $78 per month for liability-only coverage and $168 per month for a full-coverage policy.
For all levels of coverage, Birmingham drivers pay more than the Alabama state average of $104. Even compared to the state capital of Montgomery, where drivers pay an average of $117 per month, Birmingham drivers typically pay more.
Higher theft rates and occasional damaging tornadoes might explain the elevated premiums.[1] [2] Also, Birmingham is in Jefferson County, which has the highest amount of recorded crashes in Alabama, with more than 16,000 crashes in 2024.[3]
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The Yellowhammer State requires drivers to carry a minimum amount of liability coverage, including at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.[4]
After an at-fault accident, this minimum liability coverage can help you pay for another driver’s medical payments and repair or replace their vehicle, but not your own. For Birmingham drivers, National General offers the cheapest liability-only rates.
The table below highlights the cheapest rates for liability-only car insurance in Birmingham.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| National General | $48 |
| Auto-Owners | $52 |
| State Farm | $52 |
| USAA | $52 |
| Allstate | $57 |
| Country Financial | $58 |
| Progressive | $59 |
| Direct Auto | $60 |
| AssuranceAmerica | $71 |
| First Acceptance | $71 |
| The General | $71 |
| Travelers | $71 |
| Trexis | $75 |
| GEICO | $77 |
| Bristol West | $84 |
| GAINSCO | $88 |
| Nationwide | $88 |
| Farmers | $96 |
| Safeco | $103 |
| Dairyland | $114 |
| Root | $119 |
| Liberty Mutual | $154 |
Birmingham drivers who want more robust coverage can turn to a full-coverage auto insurance policy. This more expansive type of insurance includes comprehensive and collision coverage in addition to liability coverage. This allows you to repair or replace your own vehicle after an accident, theft, or weather damage.
With the city’s relatively high number of vehicle thefts and occasional tornadoes, opting for full coverage could provide extra peace of mind. National General offers the cheapest full coverage in Birmingham, with rates averaging $109 per month.
The table below covers the cheapest rates for full-coverage car insurance in Birmingham.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| National General | $109 |
| USAA | $109 |
| Auto-Owners | $110 |
| State Farm | $110 |
| Allstate | $118 |
| Country Financial | $121 |
| Direct Auto | $127 |
| Progressive | $130 |
| Travelers | $149 |
| AssuranceAmerica | $151 |
| GEICO | $163 |
| The General | $164 |
| Safeco | $185 |
| Trexis | $185 |
| Nationwide | $186 |
| Root | $188 |
| Farmers | $202 |
| First Acceptance | $203 |
| Bristol West | $206 |
| GAINSCO | $229 |
| Liberty Mutual | $238 |
| Dairyland | $289 |
Approximately 196,000 residents call Birmingham home, making it Alabama’s third-largest city. As one of the largest cities in the state, it’s not too surprising that Birmingham residents pay above-average rates for car insurance.
When compared with Huntsville, Alabama’s largest city, Birmingham residents face higher car insurance rates. Even compared with the state’s capital, Montgomery, which has a similar population, Birmingham drivers pay more for car insurance coverage. The higher number of vehicle thefts in Birmingham might partly explain the higher rates, as well as its location in Jefferson County, which has by far the highest number of recorded car accidents in the state.
The table below highlights the average cost of car insurance in other Alabama cities.
City | Average Monthly Quote |
|---|---|
| Birmingham | $123 |
| Dothan | $94 |
| Enterprise | $93 |
| Huntsville | $102 |
| Madison | $99 |
| Mobile | $117 |
| Montgomery | $117 |
| Tuscaloosa | $110 |
*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Auto insurance companies consider a wide range of factors when determining your car insurance premiums. But your driving history is a key factor. In general, drivers with clean driving records pay less for insurance than drivers with past incidents.
Here’s a look at the cheapest car insurance companies by driving record:
Cheapest car insurance for Birmingham drivers with a clean driving record: National General
Cheapest car insurance for drivers with a speeding ticket in Birmingham: National General
Cheapest car insurance for Birmingham drivers with an at-fault accident: National General
Cheapest car insurance for drivers with a DUI in Birmingham: National General
As an at-fault state, Alabama requires drivers to pay for the car accidents they cause.[5] In addition to the direct costs of an accident, drivers often face rising car insurance premiums after incidents, like at-fault accidents, driving while intoxicated (DWI) convictions, or speeding tickets.
Around 3.8% of Birmingham drivers have a ticket on their driving record, 4.8% have an accident, and 0.5% have a DWI, according to Insurify data.
The table below highlights the average monthly costs that Birmingham drivers with different incidents face.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $123 |
| Speeding ticket | $165 |
| At-fault accident | $170 |
| DWI | $177 |
Several major interstates cut through Birmingham, including I-22, I-20, and I-65. When hopping onto these major thoroughfares, you’re likely to run into occasional traffic congestion. In fact, Birmingham drivers lost 23 hours to traffic congestion in 2025.
In addition to occasional tornadoes, Birmingham also faces flooding and damaging hailstorms. Any of these weather threats can make driving dangerous and damage your car. During any severe weather warnings, stay off the roads if possible. If you can’t avoid driving, practice safe driving and stay alert to potential hazards.
Notably, Alabama has relatively high rates of uninsured drivers. As of 2023, 17% of Alabama drivers didn’t carry the state’s required insurance, according to the Insurance Information Institute. If you get into an accident with an uninsured motorist, they might not have the means to pay for repairs to your vehicle, even if they caused the incident.
If you’re looking to visit downtown Birmingham or walk one of its beautiful trails, parking is fairly simple. The town has metered on-street parking during the week, free parking on the weekends, and various parking lots and decks.
Traffic tends to back up on the major interstates that cut through town, especially on I-22, I-20, and I-65. On average, Birmingham commuters spend 20.3 minutes getting to work.
Compared to many larger cities, traffic congestion is relatively mild for Birmingham drivers. Birmingham is actively working on reducing congestion, accidents, and speeding through its Traffic Calming Program.[6]
That said, the city has a relatively high amount of congestion compared to other cities in the state. The city’s status as the third-largest in the Yellowhammer State might help explain its above-average car insurance costs.
Alabama teen drivers can obtain a learner’s permit at age 15, allowing them to drive under the supervision of a licensed adult. At age 16, Alabama allows teens to obtain a restricted license after 50 hours of practice, which allows for unsupervised driving between 6 a.m. and midnight. Finally, at age 17, teen drivers can obtain a regular driver’s license.[7]
Teens at any stage of their driving journey have less experience behind the wheel than most drivers, which poses a risk for insurance companies. Although teen drivers tend to face higher car insurance rates, shopping around can help. National General offers the cheapest rates for Birmingham teens.
The table below shows the cheapest companies for teenage drivers in Birmingham.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Country Financial | $99 |
| National General | $100 |
| USAA | $101 |
| State Farm | $106 |
| Auto-Owners | $110 |
| Progressive | $117 |
| Allstate | $118 |
| Direct Auto | $122 |
| The General | $134 |
| First Acceptance | $141 |
| GEICO | $146 |
| Trexis | $149 |
| AssuranceAmerica | $153 |
| Travelers | $154 |
| Bristol West | $156 |
| GAINSCO | $165 |
| Nationwide | $180 |
| Farmers | $201 |
| Dairyland | $209 |
| Root | $217 |
| Safeco | $218 |
| Liberty Mutual | $283 |
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The more than 30,000 seniors who call Birmingham home have more experience on the road than most drivers. But age-related factors can make driving more risky for senior drivers, which often leads to higher car insurance costs.
Drivers aged 70 and older have higher crash death rates than middle-aged drivers, according to the Centers for Disease Control and Prevention.
National General offers senior drivers in Birmingham more affordable rates. The table below breaks down the cheapest rates for senior drivers in Birmingham by insurance company.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| National General | $39 |
| State Farm | $42 |
| Auto-Owners | $42 |
| USAA | $43 |
| Country Financial | $47 |
| Allstate | $47 |
| Direct Auto | $50 |
| Progressive | $53 |
| AssuranceAmerica | $57 |
| Travelers | $58 |
| The General | $62 |
| GEICO | $63 |
| First Acceptance | $64 |
| Trexis | $68 |
| Nationwide | $69 |
| Bristol West | $72 |
| GAINSCO | $77 |
| Farmers | $78 |
| Safeco | $92 |
| Dairyland | $99 |
| Root | $102 |
| Liberty Mutual | $131 |
If you have more questions about auto insurance in Birmingham, the following answers may help.
Birmingham drivers pay an average of $123 per month for car insurance, with an average of $78 per month for liability insurance and $168 per month for full coverage.
National General, USAA, and Auto-Owners offer relatively cheap rates to drivers in Birmingham, with monthly liability rates of $48, $52, and $52.
On average, Birmingham drivers pay $123 per month for car insurance. Paying $200 per month for coverage would be above average.
That said, if you’re a teen driver or a high-risk driver, you’ll likely pay more than the average. Keeping a clean driving record, seeking insurance discounts for bundling, or raising your deductible might help you tap into lower rates.
Yes. It’s possible to insure a vehicle without a driver’s license in Birmingham. But without a driver’s license, you can’t legally drive the vehicle on public roads.
Alabama requires drivers to carry at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.