What's the average cost of car insurance in Birmingham?
Car insurance coverage costs an average of $1,648 each year in Birmingham. That's more than the statewide average in Alabama ($1,450) and more expensive than the national average of $1,548. Our guide to Birmingham car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
AUTO INSURANCE COSTS: BIRMINGHAM VS. STATE AND US AVERAGES
|Birmingham Average (annual)||Alabama Average||U.S. Average|
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Birmingham car insurance rates by provider
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical insurance customer, USAA provides Birmingham's cheapest rates. See below the best companies for cheap auto insurance in Birmingham — but don't forget to get personalized car insurance quotes to match your driving profile.
BIRMINGHAM AUTO INSURANCE PREMIUMS BY COMPANY
|Insurance Company||Average Yearly Rate|
Birmingham auto insurance rates by age
The age group that enjoys the lowest auto insurance rates in Birmingham are drivers in their age_50s, who pay an average of $1,473per year. Those in their age_60s don't pay significantly more ($1,503).
The Birmingham drivers who pay the highest insurance rates are teenagers. When Birmingham drivers hit their 20s, their insurance rates drop substantially. In Birmingham, teenage drivers pay $6,893 — a full $5,391 more than the second-most expensive rate paid by an age group.
BIRMINGHAM AUTO INSURANCE COSTS BY AGE
|Age||Average Yearly Rate|
Birmingham auto insurance rates by gender and marital status
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Birmingham pay $126 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Birmingham, widowed drivers pay less than those who are single.
Gender is another factor that can affect auto insurance rates. Birmingham's car insurance cost gap by gender is $8 per year, with male drivers paying more than female drivers.
BIRMINGHAM CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Birmingham car insurance rates by accident and violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Birmingham drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,013 per year versus the city average. A ticket for speeding results in a $267 rate hike, on average, while a DUI violation costs $1,051per year in insurance premiums.
BIRMINGHAM CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,234|
|At-fault Accident (damages > $2,000)||$2,392|
|Speeding Ticket (16-20 mph over speed limit)||$1,915|
Birmingham car insurance costs by credit tier
A driver's credit level can be closely correlated with their auto insurance rates. In fact, Birmingham drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 64% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Birmingham, improving your credit to "Fair" could help you earn a $1,586 decrease in annual car insurance rates.
BIRMINGHAM CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Rate (annual)|