Birmingham, AL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Birmingham.
What is the average cost of car insurance in Birmingham?
Car insurance coverage costs an average of $824 every six-months in Birmingham. That's more than the statewide average in Alabama ($725) and more expensive than the national average of $880. Our guide to Birmingham car insurance includes average rates based on age, credit score, driving history, and other common factors in Birmingham.Â
| Car insurance in Birmingham vs. Alabama | Average 6 Mo. Premium |
|---|---|
| Birmingham average | $824 |
| Alabama average | $725 |
The Zebra's key takeaways about car insurance in Birmingham:
- The average cost of a car insurance policy in Birmingham is $824 per six-month policy — $137 per month.
- The cheapest company in Birmingham is USAA ($504).
- 34% of Zebra customers in Birmingham stated they used our product because they're currently paying too much for car insurance.
Are you paying too much for auto insurance?
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 car insurance quotes based on your unique driving profile.
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Birmingham.
Birmingham auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up of Birmingham drivers. The age group that enjoys the lowest auto insurance rates in Birmingham are drivers in their 50s, who pay an average of $736 per six-months. Drivers in their 60s don't pay significantly more ($751).
Teenage drivers pay Birmingham's most expensive insurance rates. 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.
| Age | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,446 |
| 20s | $1,184 |
| 30s | $811 |
| 40s | $785 |
| 50s | $736 |
| 60s | $751 |
| 70s | $900 |
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. Our data tells us 40% of drivers in Birmingham have a credit score of average (580-679).Â
| Credit Score | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,815 |
| Fair | $1,022 |
| Good | $824 |
| Very Good | $738 |
| Exceptional | $654 |
Birmingham car insurance rates by violation
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.
| Incident/Violation | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,349 |
| Reckless Driving | $1,330 |
| At-fault Accident (damages less than $1,000) | $1,117 |
| At-fault Accident (damages > $2,000) | $1,196 |
| Speeding Ticket (16-20 mph over speed limit) | $957 |
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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.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.