Cheap Auto Insurance in Birmingham, Alabama (2025)

National General offers the cheapest car insurance in Birmingham, with liability-only rates starting at $60 per month.

Secure. Free. Easy-to-use.
Excellent
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoFarmers LogoThe General Logo120+ more

Cheapest recent rates near Birmingham, Alabama

Drivers in and around Birmingham, Alabama have found policies from Direct Auto, Allstate, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

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.

Birmingham is a thriving city with a small-town feel. It’s home to state parks, nature trails, and an abundance of attractions like the Birmingham Zoo, Alabama Theatre, and the Birmingham Museum of Art. It’s located in Jefferson County, the most populous county in Alabama, which could be why its liability-only car insurance rates are higher than the state average.

On average, Birmingham residents pay $72 per month for liability-only insurance and $163 per month for full coverage. The state averages, by comparison, are $63 and $138, respectively.

Your car insurance rates may be more or less than the averages, depending on factors like your driving history, age, gender, and more. Here’s what you need to know about finding an affordable auto policy in Birmingham.

Quick Facts
  • National General, Direct Auto, and USAA are the cheapest car insurance companies in Birmingham.

  • Birmingham car insurance rates may be higher than average because of the University of Alabama at Birmingham, which has more than 22,000 students, which can increase traffic congestion and accident rates.

  • The contributory negligence laws in Alabama can prevent you from recovering damages from another party’s car insurance policy if you’re partially responsible for a car accident.[1]

7 of the cheapest car insurance companies in Birmingham 

Finding the best car insurance company for you depends on different factors, such as your budget, coverage preferences, and driving record. To help you start your search, Insurify analyzed and identified the best auto insurers in Birmingham, based on customer satisfaction, AM Best financial strength ratings, average quotes, and more.

Auto-Owners logo
USAA logo
Nationwide logo
State Farm logo
AssuranceAmerica logo
GEICO logo
Progressive logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$87/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$86/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$147/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$87/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$138/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$133/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$92/mo*
Overall rating
3.9
Overall rating
4.9
Overall rating
4.3
Overall rating
4.1
Overall rating
3.4
Overall rating
4.0
Overall rating
3.3
Value for money
3.4/5
Value for money
4.9/5
Value for money
4.0/5
Value for money
3.8/5
Value for money
3.1/5
Value for money
3.8/5
Value for money
3.3/5
Customer service
3.8/5
Customer service
4.7/5
Customer service
4.1/5
Customer service
4.1/5
Customer service
3.3/5
Customer service
3.9/5
Customer service
3.3/5
Claims handling
3.9/5
Claims handling
4.9/5
Claims handling
4.4/5
Claims handling
4.1/5
Claims handling
3.2/5
Claims handling
4.1/5
Claims handling
3.5/5
Special highlight
AI-generated from 121 user reviews
Cheap rates
Special highlight
AI-generated from 1195 user reviews
Members of the military community
Special highlight
AI-generated from 486 user reviews
Usage-based savings
Special highlight
AI-generated from 6051 user reviews
Customer service
Special highlight
AI-generated from 27 user reviews
Difficult-to-insure drivers
Special highlight
AI-generated from 6437 user reviews
Teen drivers
Special highlight
AI-generated from 6935 user reviews
Competitive rates
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for liability-only coverage: Auto-Owners

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$124/mo
3.9
A solid optionBased on 205 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (121)
Shontia
Verified Review

Okay Service

Reviewed in North Carolina on July 2025
The service was good until the rate increased without notification.
Thomas
Verified Review

Fair Insurance, One Bad Agent

Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
Roy
Verified Review

I don't have anything to add

Reviewed in Wisconsin on June 2025
Good company, but I didn't care for their premiums going up this year just for liability and roadside service.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners started in 1916 and stands out for its highly customizable, affordable coverage and numerous discounts. Some of its notable insurance options include coverage for additional expenses, diminished value, purchase price guarantee, and at-fault accident forgiveness. The car insurance company also earned an AM Best financial strength rating of A++ (Superior).

Pros
  • Many discounts and coverage options

  • Purchase price guarantee

Cons
  • Won’t file an SR-22 on your behalf

  • Online quotes not available

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$123/mo
4.9
Best choiceBased on 2,108 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,195)
William
Verified Review

May find more affordable.

Reviewed in Washington on July 2025
Great service, too high premiums.
Errin
Verified Review

They Could Do Better!

Reviewed in Florida on July 2025
Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.
Herbert
Verified Review

Personally beneficial

Reviewed in Maryland on July 2025
Very easy to work with.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA provides a variety of insurance products to the military community, such as car insurance, home insurance, and boat insurance. To purchase a policy, you must be an active-duty, retired, or reserve military member (or an immediate family member of one) and join USAA. Once you’re a member, you can enjoy award-winning customer service and military-specific benefits.

Pros
  • SafePilot usage-based insurance program

  • Above-average J.D. Power customer satisfaction rating

Cons
  • Lower bundling discount than other insurers

  • Gap insurance not available

Best insurer for high-risk drivers: AssuranceAmerica

User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
5.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$106/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$218/mo
3.4
A solid optionBased on 72 verified guest reviews and ratings
How drivers feel about AssuranceAmerica

Drivers praise the easy online service and customer service but dislike the unexplained and frequent price increases. Some also report poor adjuster assistance.

AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
Minimum coverage
24/7 claims support by phone
How drivers feel about AssuranceAmerica

Drivers praise the easy online service and customer service but dislike the unexplained and frequent price increases. Some also report poor adjuster assistance.

AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
Minimum coverage
24/7 claims support by phone
Reviews (27)
Alisha
Verified Purchase

$75 Upcharge for No AutoPay

Reviewed in on June 2025
Clear distinction on discount requirements. Review all policy documents immediately and call back to ask questions.
Carolyn
Verified Review

Respect for the Elderly

Reviewed in Georgia on April 2025
Please show more respect to those on a fixed income, especially when they only get paid once a month!
Kayla
Verified Review

I was told I had full coverage, but when I was hit, they stated I didn't and refused to pull the call log

Reviewed in Georgia on April 2025
You can only use the app to pay. You have to speak to an agent before 5pm for anything else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

AssuranceAmerica is a regional car insurance company that offers auto insurance to high-risk drivers who may have trouble securing a policy elsewhere. It partners with independent insurance agents across the U.S. to help high-risk drivers find the right coverage.

Pros
  • Cheap car insurance rates for high-risk drivers

  • Mobile app allows for policy payment and management

Cons
  • Higher than expected number of complaints for a company of its size in the National Association of Insurance Commissioners (NAIC) Complaint Index

  • Fewer customizable coverage options than competitors

How to get the cheapest car insurance in Birmingham

It will take some time and effort to find the cheapest car insurance for your unique situation. To land the best deal on an auto policy in Birmingham, follow these tips:

  • Shop around. It may be tempting to choose a policy from the first car insurance company you find. But if you’d like to save as much money as possible, it’s a good idea to get quotes from several companies and compare your insurance options.

  • Consider pay-per-mile insurance. If you’re an infrequent driver, pay-per-mile insurance might be a smart choice. You’ll only pay for the number of miles you drive.

  • Ask about discounts. It’s common for car insurance companies to offer a variety of discounts. A few examples include the anti-theft device discount and loyalty discount.

  • Bundle policies. You likely need more than one type of insurance policy. If this is the case, you can usually get a discount for bundling an auto policy with homeowners insurance, renters insurance, or life insurance.

Cheapest liability-only car insurance in Birmingham: National General

The state of Alabama requires liability-only car insurance. All drivers must carry minimum limits of 25/50/25.[2] This type of policy covers the other driver’s property damage and injury expenses after an at-fault accident, not your own. It’s bare-bones car insurance and typically cheaper than full-coverage policies. But if you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage on the vehicle.

Drivers can find the cheapest minimum-coverage policies from National General, with rates as low as $60 per month. Here average monthly quotes from other top insurers offering cheap liability-only car insurance in Birmingham.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$60
Direct Auto$65
USAA$80
Auto-Owners$80
State Farm$81
Progressive$83
Allstate$87
COUNTRY Financial$89
Root$91
Bristol West$92
The General$94
AssuranceAmerica$106
Travelers$110
GAINSCO$112
Safeco$118
GEICO$125
Dairyland$132
Nationwide$137
Farmers$149
Liberty Mutual$231
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Birmingham: USAA

If you’d like extra protection on the road, full-coverage car insurance may be worth it. It usually includes liability, collision, and comprehensive insurance. Your lender or lessor may require you to purchase a full-coverage policy if you have a lease or loan on your vehicle.

USAA offers the cheapest full-coverage policies in Birmingham. Its rates start at $123 per month. Here’s a look at other affordable full-coverage car insurers in Birmingham.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$123
State Farm$124
Auto-Owners$124
National General$132
Progressive$133
Allstate$133
COUNTRY Financial$137
Direct Auto$149
The General$155
Root$160
Travelers$169
GEICO$189
Safeco$208
Nationwide$210
AssuranceAmerica$218
Farmers$228
Bristol West$240
GAINSCO$280
Liberty Mutual$313
Dairyland$384
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Birmingham, Alabama

Drivers in and around Birmingham, Alabama have found policies from Allstate, Direct Auto, AssuranceAmerica, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Alabama

Like many states, Alabama is an at-fault, or tort, state. This means that after a car accident, the at-fault driver must cover the medical expenses and property damage costs of the other parties.

Alabama is unique in that it follows the contributory negligence rule. Per the contributory negligence rule, if you’re partly at fault for an accident, you may not be able to recover damages. Drivers must also show proof of insurance while driving to avoid consequences.

Alabama requires 25/50/25 minimum liability insurance, which translates to the following coverages:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident

While purchasing liability-only insurance is a cost-effective option, it may not be enough to fully protect your vehicle or cover any medical expenses after an accident. If you’re looking for additional protection as a driver in Birmingham, you may want to consider these optional car insurance policies:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage protects you against damage from non-collision-related events, like fire, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers the cost to repair or replace your vehicle if you get into an accident with another driver or stationary object, regardless of who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can save you from hefty out-of-pocket costs if a driver without car insurance or with insufficient coverage hits you.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments insurance is a lot like personal injury protection (PIP) coverage, and it pays for medical expenses and funeral costs, no matter who is at fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    If you can’t drive your vehicle because it needs repairs after a car accident, rental car reimbursement can help cover the cost of a rental car.

Keep Reading: How Much Car Insurance Do You Need?

Keep Reading: How Much Car Insurance Do You Need?

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are a few examples of incidents that can increase your car insurance rates. Birmingham drivers with clean records typically lock in the lowest prices. Fortunately, you can still find affordable car insurance with incidents on your driving record. Here are the cheapest insurers in Birmingham for drivers with incidents on their records.

Shop for Auto Insurance in Birmingham

Minimum coverage starts as low as $89 for drivers with incidents on their records

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: National General

In Alabama, speeding was a top contributor to fatal crashes in 2022.[3] Speeding can make it difficult to take proper action in dangerous situations and often leads to car accidents. This is why drivers who get speeding tickets can expect higher car insurance costs, even if they don’t cause an accident.[4]

On average, Birmingham drivers with speeding tickets pay $217 per month for full coverage and $96 for liability-only coverage. The table below shows the cheapest liability car insurance for Birmingham drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Ticket
sort ascsort desc
National General$60$76
Direct Auto$65$83
USAA$80$102
Auto-Owners$80$103
State Farm$81$102
Progressive$83$110
Allstate$87$110
COUNTRY Financial$89$114
Root$91$123
Bristol West$92$119
The General$94$126
AssuranceAmerica$106$131
Travelers$110$141
GAINSCO$112$137
Safeco$118$154
GEICO$125$164
Dairyland$132$168
Nationwide$137$176
Farmers$149$190
Liberty Mutual$231$300
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 for drivers with an at-fault accident: National General

In 2022, law enforcement recorded 144,263 accidents in Alabama.[5] Most of those occurred in urban areas, but the number of fatalities was higher in rural areas. If you cause an accident, your car insurance premiums will likely increase due to your higher risk of another accident.

An at-fault accident pushes average car insurance rates in Birmingham to $226 per month for full coverage and $100 for liability only. The insurers in the table below offer the cheapest car insurance quotes for Birmingham drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Accident
sort ascsort desc
National General$60$79
Direct Auto$65$89
USAA$80$106
Auto-Owners$80$106
State Farm$81$106
Progressive$83$115
Allstate$87$115
COUNTRY Financial$89$120
Root$91$121
Bristol West$92$122
The General$94$130
AssuranceAmerica$106$133
Travelers$110$147
GAINSCO$112$145
Safeco$118$165
GEICO$125$156
Dairyland$132$175
Nationwide$137$182
Farmers$149$198
Liberty Mutual$231$310
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 for drivers with a DUI: National General

In 2022, 6,751 Alabama drivers received DUI citations and 197 people died in drug- or alcohol-related crashes.[5] Not only can a DUI lead to hefty fines and jail time, but it may also result in more expensive car insurance coverage. This is particularly true if you have to file an SR-22, per Alabama law.

Birmingham drivers with DUIs pay the most for car insurance. Their average monthly rates are $205 for full coverage and $90 for minimum coverage. The table below shows the average monthly liability car insurance quotes for Birmingham drivers with a DUI on their records.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With DUI
sort ascsort desc
National General$60$81
Direct Auto$65$88
USAA$80$109
Auto-Owners$80$109
State Farm$81$110
Progressive$83$104
Allstate$87$118
COUNTRY Financial$89$121
Root$91$124
Bristol West$92$125
The General$94$128
AssuranceAmerica$106$144
Travelers$110$149
GAINSCO$112$152
Safeco$118$167
GEICO$125$170
Dairyland$132$179
Nationwide$137$186
Farmers$149$202
Liberty Mutual$231$314
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 for seniors: National General

Though experienced drivers, seniors are more likely to get into an accident or seriously injured in an accident than middle-aged drivers. Average premiums usually decrease around age 35 and then increase a bit around age 70, but senior drivers still tend to have lower-than-average rates.

Senior drivers see average monthly insurance rates of $141 for full coverage, and $62 for liability-only. Here’s a look at the lowest auto insurance quotes for seniors in Birmingham.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
State Farm$72$47
Auto-Owners$75$49
USAA$80$52
National General$80$36
Allstate$85$56
COUNTRY Financial$88$57
Direct Auto$93$40
Progressive$96$60
The General$102$62
Travelers$105$68
Root$113$64
GEICO$114$75
Nationwide$117$77
Farmers$137$90
AssuranceAmerica$141$68
Safeco$157$89
Bristol West$160$61
GAINSCO$206$82
Liberty Mutual$213$157
Dairyland$259$89
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 for teens: National General

Teenagers and young adults have less experience behind the wheel than older drivers and face higher car insurance premiums as a result. To save money on auto insurance, teens can stay on their parents’ policy, lock in a good student discount, and complete an approved driving course.

Teen drivers in Birmingham have average car insurance costs of $343 per month for full coverage, and $151 for liability-only policies. For teens and young adults in search of cheap car insurance in Birmingham, start with the insurers in the table below.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
COUNTRY Financial$227$148
USAA$240$156
Auto-Owners$240$155
State Farm$250$163
Allstate$277$181
Progressive$279$174
The General$285$173
National General$285$130
Root$298$169
Direct Auto$312$136
Travelers$354$231
GEICO$361$239
Nationwide$432$282
Safeco$453$257
AssuranceAmerica$459$223
Farmers$460$301
Bristol West$461$177
GAINSCO$559$224
Liberty Mutual$604$445
Dairyland$688$237
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Cheap Auto Coverage in Birmingham

Insurify partners with 120+ insurance companies to generate real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Birmingham car insurance quotes by credit tier

Car insurers believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. As a result, some car insurance companies look at credit histories of prospective policyholders to determine rates. While a handful of states prohibit insurers from considering credit history, Alabama allows it.

The chart below shows that Birmingham drivers with excellent credit pay $196 per month for car insurance, on average, while drivers with poor credit pay an average of $394 per month.

Rates by Credit Tier

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.

Is car insurance more expensive in Birmingham?

The average cost of a liability-only auto policy in the U.S. is $107 per month, according to Insurify data. For full coverage, the average monthly cost is $193. At $72 and $163, respectively, Birmingham’s car insurance rates are lower than the national average. But Birmingham's averages are higher than the Alabama state averages of $63 for liability-only coverage and $138 for full coverage.

Note that car insurance rates vary by city and ZIP code within Alabama due to factors like population, crime rates, and the number of uninsured drivers. For example, full-coverage quotes for Birmingham are cheaper than they are in Bessemer, Mobile, and Montgomery.

More cities in Alabama

Here’s a look at average monthly car insurance quotes for other cities in Alabama compared to Birmingham’s rates.

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Auburn$133$59
Enterprise$125$56
Huntsville$135$66
Mobile$152$74
Montgomery$165$72
Tuscaloosa$151$68
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Birmingham car insurance FAQs

Learn more about the factors that affect your car insurance before you shop quotes and check out Insurify’s answers to common questions about auto coverage in Birmingham.

  • How much is car insurance in Birmingham?

    The average cost of car insurance in Birmingham is $72 per month for liability-only insurance and $163 per month for full coverage.

  • What are the cheapest car insurance companies in Birmingham?

    National General is the cheapest insurer in Birmingham. Its minimum-coverage policies start at $60 per month.

    Birmingham drivers can also find affordable coverage through the city's second- and third-cheapest companies, Direct Auto and USAA, which have liability-only rates of $65 and $80, respectively.

  • What are the best car insurance companies in Birmingham?

    Some of the best car insurance companies in Birmingham are Auto-Owners and USAA. These companies have solid AM Best financial strength ratings and high Insurify Quality (IQ) Scores. However, if you’re a high-risk driver, you might consider AssuranceAmerica for its digital policy management and coverage for people with spotty driving histories.

  • What is the minimum car insurance in Alabama?

    Alabama requires 25/5025 minimum liability coverage. This translates to $25,000 per person and $50,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability.

  • What types of car insurance coverage are available in Birmingham?

    Birmingham drivers can find almost any type of insurance coverage available in the city. Many of the best auto insurers offer comprehensive, collision, rental reimbursement, uninsured/underinsured motorist, medical payments, personal injury protection, and gap coverage.

Methodology

Insurify data scientists analyzed more than 90 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Findlaw. "Alabama Negligence Laws."
  2. Alabama Department of Insurance. "Automobile Insurance FAQs."
  3. Alabama Department of Transportation. "2022 Crash Facts."
  4. National Safety Council. "Motor Vehicle Safety Issues: Speeding."
  5. Alabama Department of Transportation. "2022 Crash Facts."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate