Cheap Auto Insurance Quotes in Birmingham, AL (2023)

Allstate, State Farm, and Travelers offer the cheapest rates for full-coverage car insurance in Birmingham.

Catherine Collins
Written by
Catherine Collins
Catherine Collins
Written by
Catherine Collins
Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 24, 2023

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Catherine Collins
Written by
Catherine Collins
Catherine Collins
Written by
Catherine Collins
Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 24, 2023

With 550 technology companies as well as manufacturing, healthcare, and banking jobs, Birmingham is bustling. The population and business density may be why Birmingham residents looking for car insurance can expect to pay an average of $167 per month for minimum-coverage car insurance, and $252 per month for full-coverage car insurance. 

In Alabama, the average cost of auto insurance is $185, making full-coverage car insurance in Birmingham $67 (36%) more expensive than the state average.

How much does car insurance in Birmingham, Alabama, cost?

Insurify data scientists analyzed Birmingham car insurance data to identify the cheapest quotes in the area. However, car insurance costs can vary depending on personal factors including your driving record, age, gender, the type of car you have, and even your credit history.[1] You should compare quotes to ensure you’re getting the best combination of price and coverage to fit your personal car insurance needs.

  • The car insurance company with the cheapest liability-only insurance coverage in Birmingham is State Farm, averaging $64 per month.

  • The car insurance company with the cheapest full-coverage car insurance in Birmingham is State Farm, averaging $105 per month.

  • The car insurance company with the cheapest coverage for new/young drivers in Birmingham is Travelers, averaging $173 per month.

Learn More: Cheap Car Insurance in Alabama

Cheapest car insurance in Birmingham: State Farm 

The cheapest car insurance company in Birmingham is State Farm, with an average rate of $84 a month. Its average liability-only insurance coverage costs $64 per month and its average full-coverage insurance costs $105 a month.

Not every driver in Birmingham will be able to secure the lowest car insurance rates. Your car insurance premium payment will depend on numerous factors like your age, credit history, and driving record.[1] 

Below are the insurers, including State Farm, that offer cheap car insurance rates in Birmingham.

Insurance CompanyLiability OnlyFull Coverage
State Farm$64$105
USAA$66$108
Allstate$73$120
Travelers$88$144
Amigo USA$92$138
GEICO$101$166
National General$108$161
Safeco$109$180
Insuremax$114$179
Midvale Home & Auto$116$191
Farmers$120$197
AssuranceAmerica$134$173
Direct Auto$144$208
Bristol West$224$390
Liberty Mutual$266$335
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of auto insurance in Birmingham

The average cost of car insurance in Birmingham, Alabama, is $154 a month. Your actual car insurance premium will depend on whether or not you choose liability-only or full coverage, as well as other personal factors like age, driving history, and more.[1]

The following table provides insight into the average monthly cost of car insurance in Birmingham by insurer.

Insurance CompanyAverage Monthly Cost
State Farm$84
USAA$87
Allstate$96
Amigo USA$115
Travelers$116
GEICO$134
National General$134
Safeco$144
Insuremax$146
AssuranceAmerica$154
Midvale Home & Auto$154
Farmers$159
Direct Auto$176
Liberty Mutual$301
Bristol West$307
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance premiums in Birmingham by marital status

Insurify data shows those who are married pay less for car insurance than single people. In Birmingham, the average single person pays $218 a month and the average married person pays $207 a month for car insurance.

It’s more likely for married couples to bundle their auto policies if they have more than one vehicle or a home, which saves money. Be upfront about your driving history if you get married; if one of you has bad credit or a poor driving history, you might not be eligible for a lower rate.

How much car insurance do you need in Birmingham?

The minimum insurance requirements for Birmingham are:

  • $25,000 bodily injury liability per person

  • $50,000 maximum for all bodily injuries in a singular accident

  • $25,000 maximum for property damage in a singular accident [2]

But drivers may want to consider purchasing higher coverage limits.

Hear from the experts:

Eyal Ron

Eyal Ron

“We encourage our clients to pay at least 100/300/100 in order to avoid any future liability suit against them,” says Eyal Ron, founder of Iron City Insurance, an independent insurance agency located in Birmingham, Alabama.

View less

Ron recommends the following instead of the state minimum:

  • $100,000 bodily injury liability per person

  • $300,000 maximum for all bodily injuries in a singular accident

  • $100,000 maximum for property damage in a singular accident.

Ron explains that property damage coverage should be adequate to cover more than just a vehicle. For example, he says if your car hits a telephone pole, you could be liable for costs associated with fixing or replacing the pole.

When you receive your insurance cards, place them in your vehicle. You are required to show proof of insurance if a law enforcement officer requests it. In Alabama, as of Jan. 1, 2023, officials can verify your car insurance by using OIVS, the Online Insurance Verification System, when you get or renew your car registration. But if they can’t verify it online, you can show them your proof of insurance.[3]

Alabama DMV information

If you want to get a driver’s license, renew your registration, or access motor vehicle records, visit the Alabama Law Enforcement Agency, where you can access online services and find in-person locations near you.

Tips for getting cheap car insurance in Birmingham

When it comes to car insurance, here are a few key steps you can take in order to reduce your overall premiums.

  • Consider bundling your auto and homeowners insurance. By combining different types of insurance policies together with the same provider, you can often save on both premiums. 

  • Shop for discounts. Different insurers offer various discounts, such as those for multi-car households or good student grades. Do your research and speak with an insurance agent to see what savings you could benefit from by switching providers. 

  • Increase your deductible. Doing this may initially cost you a little bit more if an accident does occur, but it will often result in significantly lower premiums overall. Weigh your options carefully before making any major changes. 

  • Drive safely. This not only saves you from hefty fees but will also reflect positively on your record should you need to switch providers or renew existing policies in the future.[4]

Check Out: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Birmingham 

A driver’s age is a crucial component when insurance companies calculate premiums because it helps predict someone's driving history and tendency to make claims. Because they may lack experience, younger drivers could be charged higher car insurance rates compared to older drivers who have a longer track record behind the wheel.[1]

The table below provides insight into how a driver’s age can affect their monthly premiums in Birmingham.

Age GroupAverage Monthly Quote
Teenagers$724
Younger than 25$344
25–29$268
30s$226
40s$204
50s$235
60s$232
70s$194
80+$121
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.

Cheapest car insurance for young drivers in Birmingham: Travelers

The cheapest car insurance for young drivers with full-coverage policies in Birmingham is Travelers, at an average cost of $173 a month. Young drivers might be able to save on car insurance premiums by taking a defensive driving course. Additionally, asking for a student discount and maintaining a positive driving record can also help lower car insurance premiums over time.[4]

Here’s a look at car insurance premiums for young drivers in Birmingham.

Insurance CompanyAverage Monthly Quote
Travelers$173
Progressive$186
Clearcover$221
Foremost Signature$221
SafeAuto$222
Amigo USA$232
Safeco$232
Nationwide$242
InsureMax$245
Direct Auto$261
AssuranceAmerica$270
National General$302
Midvale Home & Auto$323
State Auto$378
Bristol West$441
Liberty Mutual$456
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 middle-aged drivers in Birmingham: Foremost Signature

The cheapest car insurance for middle-aged drivers with full-coverage policies in Birmingham is Foremost Signature, at an average cost of $126 a month, followed closely by Amigo USA. To get the best price, middle-aged drivers should compare quotes from several companies as well as maintain good credit and a good driving record.[4] The following table shows average car insurance quotes for middle-aged drivers in Birmingham.

Insurance CompanyAverage Monthly Quote
Foremost Signature$126
Amigo USA$127
National General$133
Progressive$136
Clearcover$145
InsureMax$148
Travelers$151
AssuranceAmerica$161
Direct Auto$173
Safeco$173
Nationwide$198
Midvale Home & Auto$199
SafeAuto$202
State Auto$246
Liberty Mutual$289
Bristol West$341
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 senior drivers in Birmingham: Assurance America

The cheapest car insurance for senior drivers with full-coverage policies in Birmingham is AssuranceAmerica, at an average cost of $122 a month, followed closely by Progressive. Senior drivers can potentially lower their insurance premiums by reducing coverage on older cars and bundling their homeowners and car insurance.[4] Here’s a look at auto insurance rates for senior drivers in Birmingham.

Insurance CompanyAverage Monthly Quote
AssuranceAmerica$122
Progressive$124
Nationwide$136
InsureMax$139
Safeco$150
Midvale Home & Auto$153
Clearcover$156
Travelers$161
Amigo USA$163
State Auto$165
Direct Auto$166
Foremost Signature$182
National General$207
SafeAuto$234
Liberty Mutual$279
Bristol West$387
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How credit scores affect cheap car insurance in Birmingham

Your credit score is a numerical reflection of your personal financial history, based on criteria such as payment record, debt levels, and past borrowing activity.

Insurance providers often take credit scores into account when assessing an individual driver's risk of filing a claim.[5] As such, having a strong credit score can result in lower insurance rates, while someone with poor credit may experience higher costs as they are deemed more likely to cause an accident or submit claims.

Although five states have outlawed the use of credit scores in calculating premiums, Alabama isn’t one of them.[6] This means that Alabama car insurance companies are free to consider your credit score when determining what you pay for insurance.

Good to Know

The criteria for establishing a person's credit score may vary depending on the particular credit-scoring model. The most widely utilized model, FICO, categorizes credit scores as follows:

  • Exceptional: More than 800

  • Very good: 740–799

  • Good: 670–739

  • Fair: 580–669

  • Poor: Less than 580

Here are the averages for full-coverage monthly car insurance premiums in Birmingham, Alabama, based on credit score.

Credit TierAverage Monthly Quote
Excellent$214
Good$252
Fair$277
Poor$429
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.

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Birmingham

Your driving habits can significantly influence your car insurance rates. If you have a serious driving offense, like a record of speeding tickets, then your insurer may deem you as a high-risk driver and charge higher premiums.[1]

Alternatively, if you drive safely and responsibly by following traffic laws and refraining from distracted driving, your insurance company may reward you with lower rates.

Cheapest car insurance with a clean record in Birmingham: State Farm

Having a clean driving record can help you save on car insurance premiums compared to drivers who have a history of unsafe habits. How much you save will depend on where you live, the type of car you drive, your age, and other factors.[1]

The following table provides a snapshot of the rates good drivers can expect to find in Birmingham.

Insurance CompanyClean Record
State Farm$105
USAA$108
Allstate$120
Travelers$144
GEICO$166
AssuranceAmerica$173
Insuremax$179
Safeco$180
Midvale Home & Auto$191
Farmers$197
Direct Auto$208
Liberty Mutual$335
Bristol West$390
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.

Cheapest car insurance with an accident in Birmingham: State Farm

Getting into a car accident can seriously affect your car insurance rates. In fact, your rate can increase by $45 to $169 on average in Alabama after an accident. How much your rate increases depends on how serious the car accident is, what type of insurance you have, and your past driving record. In some states, whether or not you were at fault in the accident also affects the rate.[7]

The table below shows the average increase in car insurance rates after an accident in Alabama.

Insurance CompanyClean RecordAt-Fault AccidentDifference
State Farm$105$150$45
USAA$108$154$46
Allstate$120$172$52
Travelers$144$206$62
GEICO$166$238$72
Assurance America$173$248$75
Insuremax$179$256$77
Safeco$180$257$77
Midvale Home & Auto$191$274$83
Farmers$197$283$86
Direct Auto$208$298$90
Liberty Mutual$335$480$145
Bristol West$390$559$169
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 with a DUI in Birmingham: State Farm

A DUI is a serious offense, and it can be difficult to get car insurance if you have this type of traffic violation on your record. In fact, according to the Insurance Information Institute, “a drunk driving incident is likely to trigger a nonrenewal from virtually every insurance company.”[7] Even if your insurance company doesn’t reject your car insurance policy, your premium can increase by as much as $104 to $385 a month on average. 

Below are the cheapest car insurance companies in Birmingham for drivers with a DUI.

Insurance CompanyClean RecordDUIDifference
State Farm$105$209$104
USAA$108$214$106
Allstate$120$239$119
Travelers$144$287$143
GEICO$166$330$164
Assurance America$173$344$171
Insuremax$179$355$176
Safeco$180$357$177
Midvale Home & Auto$191$380$189
Farmers$197$392$195
Direct Auto$208$413$205
Liberty Mutual$335$667$332
Bristol West$390$775$385
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 with a speeding ticket in Birmingham: State Farm

If you get a speeding ticket while driving, it’s an indication you may have unsafe driving habits. As such, it’s likely your car insurance rates will increase. The amount will depend on how fast you were driving, your past driving record, and your car insurance company. 

Below are the average rates of car insurance companies for drivers with a speeding ticket:

Insurance CompanyClean RecordSpeeding TicketDifference
State Farm$105$141$36
USAA$108$145$37
Allstate$120$161$41
Travelers$144$193$49
GEICO$166$223$57
Assurance America$173$232$59
Insuremax$179$240$61
Safeco$180$241$61
Midvale Home & Auto$191$257$66
Farmers$197$265$68
Direct Auto$208$279$71
Liberty Mutual$335$450$115
Bristol West$390$523$133
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance in other Alabama cities

Where you live affects your car insurance costs. Rates can vary widely, even among cities in the same state. Check out these articles for insight into car insurance costs in some other Alabama cities.

Birmingham driving conditions

Birmingham has poor driving conditions, with 41% of major roads in poor or mediocre conditions, according to the transportation issues nonprofit TRIP. These bad roads may cause damage to vehicles and expenses for Birmingham drivers. Additionally, the city has significant traffic, with the average driver losing 40 hours per year in jams.[8]

Auto theft statistics in Birmingham

There’s been an increase in auto thefts in Birmingham, especially in the east and west areas, which saw a 140% increase and an 83.3% increase, respectively, in 2023 compared to 2022.[9] Police also caution that auto theft rates increase during the wintertime as many people may keep their cars running while they make quick errands.[10]

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
View more

Birmingham car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Birmingham.

  • The average cost of liability-only car insurance in Birmingham, Alabama, is $152 a month or $1,824 per year. The average cost of full-coverage car insurance in Birmingham, Alabama, is $233 a month or $2,796 per year.

  • At a minimum, drivers in Birmingham, Alabama, must have the following insurance coverage:

    • $25,000 bodily injury liability per person

    • $50,000 maximum for all bodily injuries in a singular accident

    • $25,000 maximum for property damage in a singular accident

  • If you drive without car insurance in Birmingham, Alabama, you’ll be subject to a fine as follows:

    • First offense: $200

    • Second offense: $300

    • Third or more offenses: $400

    Failure to pay the fine could result in a license suspension.[11]

  • Allstate, State Farm, and Travelers offer the cheapest rates for full-coverage car insurance in Birmingham. Buying full-coverage car insurance in Birmingham costs an average of $199 per month or $2,388 per year.

  • USAA and State Farm have the lowest car insurance rates in Birmingham, averaging $66 and $64 a month for liability-only coverage, respectively. However, the best Birmingham car insurance company will depend on your unique coverage and budget needs, so it’s important to shop around and compare quotes.

Compare Car Insurance Quotes Instantly

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed January 18, 2023
  2. undefined. "undefined." Accessed January 18, 2023
  3. Alabama Department of Revenue. "What are the prerequisites for registering a vehicle in Alabama?." Accessed January 18, 2023
  4. III. "Nine ways to lower your auto insurance costs." Accessed January 18, 2023
  5. NAIC. "Credit-Based Insurance Scores." Accessed January 18, 2023
  6. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?." Accessed January 18, 2023
  7. III. "Do auto insurance premiums go up after a claim?." Accessed January 23, 2023
  8. TRIP. "Birmingham Transportation by the Numbers." Accessed January 18, 2023
  9. Birmingham Police Department. "CRIME INFORMATION PART I OFFENSES AS OF JANUARY 9, 2023." Accessed January 18, 2023
  10. Birmingham Police Department. "Don't Get Left in the Cold." Accessed January 18, 2023
  11. Alabama Law Enforcement Agency. "Uninsured Motorists Face Civil Penalties Effective Nov. 1." Accessed January 18, 2023
Catherine Collins
Written by
Catherine Collins
Linkedin

Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.