Cheap Auto Insurance Quotes in Birmingham, AL (2021)

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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.

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.

Quotes by Top Carriers
Quotes ($/mo)
$99
$100
$114
$126
$198
State FarmAllstateGEICOTravelersThe General
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$137
$135
$134
$129
$136
$152
AlabamaMontgomeryMobileHuntsvilleTuscaloosaBirmingham
Monthly $

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Birmingham, AL Driving Facts

alabama

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

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.

Driving History
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.

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.

Find local Birmingham agents

Alabama Insurance Exchange, Inc.
2032 Valleydale Rd, Birmingham, AL 35244
Conour Insurance Inc.
2075 Columbiana Road, Suite 1, Birmingham, AL 35216-2139
Palomar Insurance Corp.
700 Maple St Suite B, Birmingham, AL 35210-3813
Cobbs Allen
115 Office Park Dr., STE 200, Birmingham, AL 35223-2423
Stephens Insurance LLC
420 20th Street North, Birmingham, AL 35203
Shields Insurance Agency
14 Office Park Circle, Birmingham, AL 35223
Truitt Insurance & Bonding Inc.
2552 18th Street South STE 200, Birmingham, AL 35209
Wiggins Insurance LLC
5971 Chalkville Mountain Lane, Ste A, Birmingham, AL 35235-3323
Birmingham Insurance Group
120 19th Street North, Suite 214, BIRMINGHAM, AL 35203
Southern Indemnity Group, LLC
2700 Corporate Dr., STE 200, Birmingham, AL 35242

Insurify Insights: How Birmingham Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Birmingham, AL
suspended licenses
#12
Cities with Most
Suspended Licenses Rank

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.

Accidents Birmingham

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.

  • Rank within state: #14
  • Percent of drivers in Birmingham with an accident: 11.33%
  • Drivers in Birmingham, AL with an accident in their driving history paid on average 40.74% more than drivers with a clean record

Speeding Birmingham

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.

  • Rank within state: #23
  • Percent of drivers in Birmingham with a speeding ticket: 10.08%
  • Drivers in Birmingham, AL with a speeding ticket in their driving history paid on average 38.1% more than drivers with a clean record

DUI/DWIs Birmingham

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.

  • Rank within state: #21
  • Percent of drivers in Birmingham with a DUI: 0.97%
  • Drivers in Birmingham, AL with a DUI in their driving history paid on average 5.82% more than drivers with a clean record

Most Popular Vehicle Birmingham

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.

Rude Birmingham

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.

  • Rank within state: #2
  • Percent of drivers in Birmingham with a reckless driving violation: 2.29%
  • Drivers in Birmingham, AL with a reckless driving violation in their driving history paid on average 26.46% more than drivers with a clean record.

Safest Drivers Birmingham

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.

  • Rank within state: #6
  • Percent of drivers in Birmingham with clean record: 79.96%

Failure to Yield the Right of Way Birmingham

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.

  • Rank within state: #7
  • Percent of drivers in Birmingham with a failure to yield violation: 0.2%
  • Drivers in Birmingham, AL with a failure to yield violation in their driving history paid on average 900% more than drivers with a clean record

Reckless Drivers Birmingham

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.

  • Rank within state: #5
  • Percent of drivers in Birmingham with a reckless driving offense: 0.09%

Hybrid/Electric Vehicle Ownership Birmingham

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.

  • Rank within state: #15
  • Percent of drivers in Birmingham with a hybrid/electric vehicle: 0.64%

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.

Insurify Rate Comparison Methodology

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.