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.
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has 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 shows 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-month. 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. 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 |
Compare over 100 insurance companies at once!
Related Content
- Car Insurance with a DUI in Alabama
- Average Cost of Car Insurance in Alabama
- Car Insurance for High-Risk Drivers in Alabama
- Temporary Car Insurance in Alabama
- Tuscaloosa, AL Car Insurance
- Alabama Car Insurance Laws
- Car Insurance in Huntsville, AL
- Car Insurance in Mobile, AL
- Car Insurance in Montgomery, AL
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.