Cheap Auto Insurance Quotes in Birmingham, AL (October 2022)

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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• Cheap Car Insurance Alabama

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Cheapest Car Insurance in Birmingham, AL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Birmingham. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Alabama

All motor vehicles operated or parked on Alabama roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Alabama^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Alabama is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $50,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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.

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.

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• High-risk Car Insurance Alabama

• DUI Car Insurance Alabama

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.

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Find local Birmingham agents

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.

For more detailed Alabama city level guides, check out these below.

• Average Cost of Car Insurance Rates in Alabama

• DUI Car Insurance Rates in Alabama

• High-Risk Driver Car Insurance Rates in Alabama

• Alabama Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Alabama

• SR-22 Insurance in Alabama

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.

FAQs - Birmingham, AL Car Insurance