Birmingham Car Insurance

The Zebra
May 30, 2018

Car Insurance in Birmingham

Premiums in Alabama are relatively similar to national rates, as its premiums are within 4.8% of the national average. Why don't we get started on how to save on car insurance in Birmingham?

  • City Average: $1,538
  • State Average: $1,358
  • National Average: $1,427

Birmingham Car Insurance by Gender and Marital Status

Car insurance premiums in Birmingham are affected by driver traits such as gender and marital status. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper. You spend roughly 7% more per year if you're single as opposed to married. Premiums are cheaper for men. Men generally pay 2% less than women every year for insurance.

  • Female: $1,572
  • Male: $1,538
  • Single: $1,538
  • Married: $1,441
  • Divorced: $1,544
  • Widowed: $1,527

Birmingham Car Insurance by Age

At $1,367, drivers in their 50s have the smallest payments among any age group. Those in their 60s ($1,390) also have relatively low premiums. With typical car insurance payments of $6,993, teenage drivers have the most expensive rates amongst all the age groups. The most significant dip in premiums for Birmingham drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals save an average of 69% every year. Rates in Birmingham continue to trend downward up until drivers turn 60.

  • Teenagers: $6,993
  • 20s: $2,199
  • 30s: $1,518
  • 40s: $1,465
  • 50s: $1,367
  • 60s: $1,390
  • 70s: $1,678

Birmingham Car Insurance by Credit Rating

For individuals with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are $2,134 less per year. Drivers can save an average of $403 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $3,379
  • Fair: $2,629
  • Good: $2,081
  • Very Good: $1,648
  • Exceptional: $1,245

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Birmingham Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make your rates spike, you can not only save yourself money, but become a safer driver. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Birmingham need to spend 69% more than the city average to insure their vehicle. Reckless driving will push your premiums up as well, with typical rates of $2,531. That is 65% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. In Birmingham, individuals who are found at-fault in an accident spend $740 more than the city average on car insurance each year.

  • DUI: $2,597
  • Reckless Driving: $2,531
  • At-fault Accident (damages less than $1000): $2,278
  • At-fault Accident (damages greater than $2000): $2,278
  • Speeding Ticket (16-20 mph over speed limit): $1,864