UPDATED: Jul 30, 2020
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Are you looking for low-cost auto insurance in Birmingham, AL? Residents of Birmingham need auto insurance that meets the Alabama car insurance requirements and state laws. Doing all that research is time-consuming, but we can help.
Our comprehensive guide will help you secure the best Birmingham, AL auto insurance rates. We’ll cover the cheapest Birmingham, Alabama, auto insurance companies and show you sample rates, and cover the factors that affect those rates.
Auto Insurance Rates in Birmingham, AL
How much is auto insurance in Birmingham? On average, residents pay $359.78 a month or $4,317.41 annually. That’s much higher than the average Alabama auto insurance rate.
So how much is car insurance in Alabama per month overall? The average rates are $68/month. Why is Birmingham so expensive? Let’s look at the factors.
To get the best auto insurance rates in Birmingham, we have to know what insurance companies look for when creating your rates. For one thing, companies will change your rates for auto insurance by age and gender, but those are not the only demographics companies care about.
Companies will also change your rates for auto insurance by ZIP code, commute length, credit history, and driving record.
Ready to get affordable automobile insurance in Birmingham, Alabama? Keep reading and we’ll help you secure the best auto insurance rates in Birmingham.
Does gender and age affect my auto insurance in Birmingham, AL?
It’s common for companies to determine auto insurance rates by gender and age. Statistically speaking, young and inexperienced drivers are the most likely to get into an accident.
Older drivers get charged lower monthly rates because the insurance company or Birmingham, AL car insurance agencies is not taking on a huge financial risk by insuring them.
According to DataUSA, the average age in Birmingham is 36. See how much people your age are paying on average for auto insurance in Birmingham, AL in the table below.
|Age of Driver||Average Auto Insurance Rate|
If you are a young teenage driver, try looking into good student discounts, as well as Drivers Ed and defensive driving courses. Gender has a lesser impact on your average auto insurance rates. See what we mean in the table below.
|Gender of Driver||Average Auto Insurance Rates|
|Demographics||Average Auto Insurance Rates|
|Married 60-year-old female||$2,141.04|
|Married 60-year-old male||$2,229.16|
|Married 35-year-old female||$2,403.99|
|Married 35-year-old male||$2,405.70|
|Single 25-year-old female||$2,674.02|
|Single 25-year-old male||$2,857.69|
|Single 17-year-old female||$8,664.96|
|Single 17-year-old male||$10,145.32|
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What ZIP codes have the cheapest auto insurance rates in Birmingham, AL?
Your auto insurance rates may differ depending on where you call home. Companies do determine rates for auto insurance by ZIP code. To determine your insurance by ZIP codes, reviews of crime rates and neighborhood density are performed.
In general, highly populated neighborhoods recieve the highest auto insurance rates by ZIP codes because more drivers on the road increases the likelihood of an accident.
The areas with the lowest insurance ZIP codes are usually less dense and have very low crime rates. Find your ZIP code in the table below to see if you’re saving money simply by your address.
|ZIP Code||Average Auto Insurance Rates|
Fortunately, Birmingham residents pay less than most other major cities in Alabama.
Which companies have the best auto insurance rates in Birmingham, AL?
While it seems like men and teenagers pay the highest auto insurance rates by Birmingham standards, believe it or not, auto insurance companies look at even more demographics than just your age, gender, and ZIP code.
To truly secure lower auto insurance rates, you also have to pay attention to your commute length, credit history and driving record.
Companies weigh all of these factors in different ways. One group may charge more for people with longer commutes. Another company may not change rates at all no matter how long you drive. Keep in mind that some major companies may not be as active in your city, which means they’ll never give out the most competitive auto insurance quotes, regardless of your demographics.
Cheapest Auto Insurance Rates by Company
Let’s look at who has the cheapest auto insurance rates in Birmingham by company. Check out the following table.
|Age, Gender, & Marital Status||USAA||Travelers||Nationwide||Allstate||Geico||Farmers||Progressive||Liberty Mutual||State Farm|
|Married 60-year-old female||$1,265.91||$1,466.79||$1,683.75||$1,945.32||$2,184.96||$2,314.00||$2,343.31||$2,776.10||$3,289.22|
|Married 60-year-old male||$1,235.79||$1,461.16||$1,741.50||$1,981.33||$2,276.70||$2,466.83||$2,501.46||$3,108.41||$3,289.22|
|Married 35-year-old female||$1,356.12||$1,553.74||$1,848.41||$2,137.97||$2,288.17||$2,593.90||$2,849.78||$3,394.39||$3,613.47|
|Married 35-year-old male||$1,373.20||$1,576.24||$1,870.24||$2,029.69||$2,288.44||$2,574.77||$2,659.19||$3,666.04||$3,613.47|
|Single 25-year-old female||$1,767.28||$1,469.41||$2,056.95||$2,370.02||$2,420.20||$2,938.46||$3,341.94||$3,609.52||$4,092.40|
|Single 25-year-old male||$1,903.91||$1,663.61||$2,299.99||$2,414.30||$2,248.42||$3,036.78||$3,576.16||$3,838.35||$4,737.70|
|Single 17-year-old female||$4,085.53||$8,648.37||$4,970.37||$7,672.27||$6,170.81||$10,277.09||$12,123.86||$12,736.67||$11,299.67|
|Single 17-year-old male||$4,525.18||$13,674.67||$6,395.06||$8,252.13||$6,063.52||$10,578.13||$13,528.23||$14,166.20||$14,124.73|
Don’t skip over Travelers insurance; while their rates for teenagers are unreasonable, they offer some of the best rates for drivers who are 25 and older.
If you have a teenager on your policy, Nationwide and Geico may be better options for you than Travelers. The following graph shows monthly rates from different auto insurance agencies in Birmingham.
Keep in mind there are other factors to consider when searching for the best auto insurance in Birmingham, AL.
Look into the company’s customer service reviews. Find out if they’re available 24 hours a day if you need to file a claim during non-business hours.
These questions can help you determine what company truly is best for you and your circumstances.
Best Auto Insurance for Commute Rates
Some companies will charge you more if you have an extra-long commute. Fortunately, the average commute time in Birmingham is only 2p minutes, 5 minutes less than the national average. Wondering how to lower premiums? To insurance companies, a shorter commute means less of a chance of an accident. You guessed it — that means lower auto insurance premiums. What companies will charge you more for a long drive to work? Find out in the table below.
|Companies||Avearage Annual Rates for|
10 Miles Commute
6,000 Annual Mileage
|Avearage Annual Rates for|
25 Miles Commute
12,000 Annual Mileage
|Average Annual Rates|
Best Auto Insurance for Coverage Level Rates
You may consider purchasing higher coverage for your vehicle if you have a new car, especially if you’re financing or leasing it. See how much extra coverage may cost you in the table below.
|Companies||Avearage Annual Rates for Low Coverage||Avearage Annual Rates for Medium Coverage||Avearage Annual Rates for High Coverage||Average Annual Rates|
Naturally, the more insurance coverage you purchase, the higher your monthly premiums will be. However, you can purchase the coverage you need and keep your monthly rate relatively low by raising your deductible. Yes, you will have higher out-of-pocket expenses in the event of a claim, but you will have lower monthly premiums as a result.
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Best Auto Insurance for Credit History Rates
Your credit score plays a significant role in what you get charged monthly for your vehicle insurance. See how having fair or poor credit can increase your rates in the table below.
|Companies||Avearage Annual Rates with Good Credit||Avearage Annual Rates with Fair Credit||Avearage Annual Rates with Poor Credit||Average Annual Rates|
If you don’t have a great credit score and qualify for USAA, their rates are the most affordable. Civilians should consider looking into Nationwide.
Best Auto Insurance for Driving Record Rates
The more tickets, citations, and violations you have on your driving record, the higher your monthly premiums will be. Furthermore, if you have some serious mistakes on your record, such as a DUI, your insurance company may refuse to cover you at all. Take a look at the table below to see how just one violation can increase your rates.
|Companies||Avearage Annual Rates with a Clean Record||Avearage Annual Rates with 1 Accident||Avearage Annual Rates with 1 DUI||Avearage Annual Rates with 1 Speeding Violation||Average Annual Rates|
Avoid the extra fees altogether by practicing safe driving. You could save even more by qualifying for safe driver discounts. At the beginning of 2020, Alabama changed a state auto insurance law that previously suspended your driver’s license if you were caught driving without proof of insurance two times within a four-year span.
Previously, your license would be suspended for four months even if you could prove you were covered by insurance
The new law no longer leads to a mandatory registration suspension. Local news station WAAY31 covers the story in more detail in the following video. https://youtu.be/WDaX_KyTtbE While the new law gives motorists more leeway, if you’re caught driving without insurance, you still must pay a $400 fine.
What affects auto insurance rates in Birmingham, AL?
There are more factors that affect auto insurance than your gender, age, credit history, and driving record. It is common for companies to use auto insurance rating tiers when determining your rates. If you’re a higher risk driver, you’ll pay more for coverage.
Low-risk drivers get the best auto insurance quotes.
The goal is cheap car insurance, so keep reading. To fully answer the question of how are auto insurance premiums calculated, we also have to look at the road conditions, crime rates, and traffic congestion in the city.
Road Conditions in Birmingham, AL
Road conditions can heavily impact the rates for average auto insurance in Birmingham. Poorly structured roads cause more accidents. More accidents means higher rates. Take a look at Birmingham’s road conditions in the following table.
|Road Types||Percentage of All Roads|
Vehicle Theft in Birmingham, AL
If you live in an area with a high number of vehicle thefts, it will raise your auto insurance rates. According to Neighborhood Scout, Birmingham’s property crime rates high compared to the national average. See what we mean in the table below.
|Property Crime Type||Birmingham|
(Rate Per 1,000)
(Rate Per 1,000)
Allstate America’s Best Drivers Report
Just like it sounds, Allstate America’s Best Drivers Report ranks the 200 largest cities in the country by how safe the drivers are.
Birmingham made it to number 50 on the list, which is pretty good; however, the city is down by 11 spots from the year prior.
On average, drivers go 10 years between claims and experience around 22 hard braking events for every 1,000 miles driven.
Vehicle Type and Auto Insurance
If you have a luxury vehicle, chances are you’ll have to pay more for auto insurance. Why? The car will cost more to replace than a basic sedan. See the chart shows below for more details about how your car type impacts your monthly rates.
As you can see, there is a significant difference between insuring a regular sedan and a fancy sports car. If cheap auto insurance is your goal, consider investing in a more affordable vehicle.
How is traffic in Birmingham, AL?
When it comes to traffic problems in Birmingham, the major causes of traffic jams are usually due to rush hour traffic.
Rush hour traffic is one of the nation’s most common causes of traffic congestion.
If you drive to work between seven to nine in the morning and drive home between four and six in the evening, TomTom warns that you’ll feel the effects of traffic congestion. During peak traffic congestion, drivers spend nine extra minutes for every half-hour-long drive in the morning stuck in traffic. You lose another 14 minutes stuck in traffic for every half-hour-long trip in the evenings. Inrix reports that Birmingham drivers lost a total of 34 hours to traffic congestion in 2019. How does this impact your auto insurance in Birmingham, AL? Bumper-to-bumper traffic increases your risk of getting into an accident.
If you’re wondering how to reduce traffic congestion, try driving when the roads are less busy. Or use public transportation or a bike whenever possible.
If you live in a high-traffic area notorious for motor vehicle accidents, it is likely that your monthly premiums will reflect this danger in the form of a higher payment. You can see the fatal accident statistics for Birmingham in the chart below.
There were 38 fatalities recorded in 2013, which is low compared to some major cities. Your automotive insurance company will adjust their rates accordingly. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions: Cheap Auto Insurance in Birmingham, AL
Refer back to this guide as much as needed while comparison shopping. In the meantime, check out our frequently asked questions below for more information.
#1 – Who has the cheapest auto insurance in Alabama? How do I find cheap auto insurance near me?
The cheapest provider in Alabama is USAA. Enter your ZIP code to find the best rates near you and check with many Birmingham, AL car insurance companies to compare.
#2 – Why is auto insurance expensive in Birmingham, AL?
Auto insurance in Birmingham is actually cheaper than most other major cities in Alabama. Road conditions, crime rates, and individual demographics all impact auto insurance rates.
#3 – How much is a no-insurance ticket in Alabama?
Fines start at $500 but increase to $1,000 for second offenses.
#4 – How can I get auto insurance for the cheapest rate in Birmingham, AL?
Practice safe driving, look for discounts you qualify for, and comparison shop to secure cheap auto insurance in Alabama. Birmingham, AL car insurance agents might be able to help, but online shopping is the fastest way to compare.
#5 – What auto insurance is required in Alabama?
The minimum auto insurance requirements in Birmingham, AL are $20,000 for an individual and $50,000 per accident for bodily injury liability coverage. The state also requires$25,000 for property damage liability coverage.
#6 – How much is auto insurance in Alabama per month?
Your monthly rates will change depending on which company you use and your individual demographics. For example, State Farm’s rates will be different than the General insurance rates.
Compare cheap auto insurance in Birmingham, AL now by entering your ZIP code into our FREE tool below.