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What is 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. 

 
AUTO INSURANCE COSTS: BIRMINGHAM VS. STATE AND US AVERAGES
Birmingham Average (annual) Alabama Average U.S. Average
$1,648 $1,450 $1,548
 
Jump to Birmingham auto insurance premiums by:
 

 

Birmingham car insurance rates by company

 

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
USAA $1,008
GEICO $1,086
Allstate $1,640
Alfa $1,796
Safeway $1,826
 

Read our guide and learn how to find the best cheap auto insurance.

 

Birmingham auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in Birmingham are drivers in their 50s, who pay an average of $1,473 per year. Drivers in their 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
Teenagers $6,893
20s $2,369
30s $1,622
40s $1,570
50s $1,473
60s $1,503
70s $1,800
 

Learn more about the impact of age on auto insurance rates.

 

 

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
Female $1,640
Male $1,648
Single $1,522
Married $1,522
Divorced $1,648
Widowed $1,608
 

Learn more about how gender and marital status have on auto insurance rates.

 

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 $1,051 per year in insurance premiums.

 
BIRMINGHAM CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/Violation Average Annual Rate
DWI/DUI $2,699
Reckless Driving $2,661
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
 

Learn more about citations and auto insurance rates.

 

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)
Very Poor $3,631
Fair $2,044
Good $1,648
Very Good $1,477
Exceptional $1,309
 

Get additional information on how credit impacts car insurance costs.

 

Check out our car insurance guides to other populous AL cities:

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.