Cheap Quotes for Birmingham, AL Car Insurance (2021)

Birmingham, Alabama car insurance rates average $349 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Birmingham, AL companies, you can find cheap Birmingham car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Birmingham has an average commute time of 21.9 minutes
  • Average car insurance rates in Birmingham, AL for senior drivers are $2,185/year
  • Average car insurance rates in Birmingham, AL are $349/month

How do the Birmingham, Alabama monthly average car insurance rates of $349/month compare to nearby cities like Auburn car insurance rates, Tuscaloosa car insurance rates, and Hoover car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Birmingham, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Birmingham, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Birmingham, Alabama companies to find the most affordable Birmingham car insurance rates.

Enter your ZIP code above to find cheap Birmingham, AL car insurance quotes today.

What are the minimum Birmingham, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Birmingham, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Birmingham, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Birmingham, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Birmingham, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Birmingham, Alabama

ZIP Code Average Annual Rates
35203 $4,324
35204 $4,413
35205 $4,311
35206 $4,413
35207 $4,430
35208 $4,422
35209 $4,056
35210 $4,110
35211 $4,399
35212 $4,299
35213 $4,078
35214 $4,494
35215 $4,333
35217 $4,418
35218 $4,543
35221 $4,353
35222 $4,217
35224 $4,379
35226 $4,042
35228 $4,414
35233 $4,255
35234 $4,313
35235 $4,283
35249 $4,422
35254 $4,310
35294 $4,221

How do age, gender, and marital status affect Birmingham, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Birmingham, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Birmingham car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Birmingham, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,138 $2,030 $1,945 $1,981 $7,672 $8,252 $2,370 $2,414
Farmers $2,594 $2,575 $2,314 $2,467 $10,277 $10,578 $2,938 $3,037
GEICO $2,288 $2,288 $2,185 $2,277 $6,171 $6,064 $2,420 $2,248
Liberty Mutual $3,394 $3,666 $2,776 $3,108 $12,737 $14,166 $3,610 $3,838
Nationwide $1,848 $1,870 $1,684 $1,742 $4,970 $6,395 $2,057 $2,300
Progressive $2,850 $2,659 $2,343 $2,501 $12,124 $13,528 $3,342 $3,576
State Farm $3,613 $3,613 $3,289 $3,289 $11,300 $14,125 $4,092 $4,738
Travelers $1,554 $1,576 $1,467 $1,461 $8,648 $13,675 $1,469 $1,664
USAA $1,356 $1,373 $1,266 $1,236 $4,086 $4,525 $1,767 $1,904

How much do teen drivers pay for car insurance in Birmingham, AL?

Birmingham, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Birmingham car insurance rates from multiple Birmingham, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Birmingham, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,672 $8,252
Farmers $10,277 $10,578
GEICO $6,171 $6,064
Liberty Mutual $12,737 $14,166
Nationwide $4,970 $6,395
Progressive $12,124 $13,528
State Farm $11,300 $14,125
Travelers $8,648 $13,675
USAA $4,086 $4,525

How much do senior drivers pay for car insurance in Birmingham, AL?

With a little research, seniors can find affordable car insurance in Birmingham, Alabama. Here’s a look at how the top Birmingham car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Birmingham, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,945 $1,981
Farmers $2,314 $2,467
GEICO $2,185 $2,277
Liberty Mutual $2,776 $3,108
Nationwide $1,684 $1,742
Progressive $2,343 $2,501
State Farm $3,289 $3,289
Travelers $1,467 $1,461
USAA $1,266 $1,236

How does coverage level affect Birmingham, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Birmingham, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Birmingham, Alabama

Insurance Company Low Medium High
Allstate $3,461 $3,594 $3,746
Farmers $4,315 $4,531 $4,947
GEICO $2,982 $3,229 $3,517
Liberty Mutual $5,629 $5,883 $6,225
Nationwide $2,847 $2,834 $2,895
Progressive $4,815 $5,341 $5,940
State Farm $5,670 $6,003 $6,350
Travelers $3,733 $4,017 $4,067
USAA $2,112 $2,178 $2,278

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How does your driving record affect Birmingham, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Birmingham, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Birmingham, Alabama companies.

Annual Birmingham, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,044 $3,602 $4,301 $3,455
Farmers $3,867 $5,013 $4,891 $4,619
GEICO $2,170 $3,518 $4,396 $2,887
Liberty Mutual $4,630 $6,465 $6,306 $6,246
Nationwide $2,499 $2,499 $3,643 $2,791
Progressive $4,834 $6,115 $5,214 $5,299
State Farm $5,398 $6,752 $5,940 $5,940
Travelers $3,278 $3,438 $5,055 $3,985
USAA $1,682 $2,115 $3,139 $1,820

How does a DUI affect Birmingham, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Birmingham, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Birmingham, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,301
Farmers $4,891
GEICO $4,396
Liberty Mutual $6,306
Nationwide $3,643
Progressive $5,214
State Farm $5,940
Travelers $5,055
USAA $3,139

How does your credit history affect Birmingham, AL car insurance rates?

Take a look at the data here to see how your Birmingham, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Birmingham, Alabama

Insurance Company Poor Fair Good
Allstate $4,436 $3,501 $2,863
Farmers $5,147 $4,439 $4,206
GEICO $4,128 $2,941 $2,659
Liberty Mutual $8,462 $5,199 $4,075
Nationwide $3,450 $2,691 $2,434
Progressive $6,027 $5,199 $4,870
State Farm $9,755 $4,927 $3,341
Travelers $4,289 $3,727 $3,801
USAA $2,942 $1,915 $1,710

How does your commute affect Birmingham, AL car insurance rates?

Birmingham, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Birmingham if you’re financing.

Annual Car Insurance Rates by Commute Length in Birmingham, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,600 $3,600
Farmers $4,597 $4,597
GEICO $3,185 $3,300
Liberty Mutual $5,912 $5,912
Nationwide $2,858 $2,858
Progressive $5,365 $5,365
State Farm $5,861 $6,154
Travelers $3,939 $3,939
USAA $2,089 $2,289

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Who has the cheapest Birmingham, AL car insurance rates?

Here’s a breakdown of Birmingham, Alabama car insurance rates by company. You can see which company offers the cheapest Birmingham car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Birmingham, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

What are the top Birmingham, AL car insurance companies?

Which Birmingham, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Birmingham companies to find the one for you.

Average Annual Car Insurance Rates by Company in Birmingham, Alabama

Insurance Company Average Annual Rates
Allstate $3,600
Farmers $4,597
GEICO $3,243
Liberty Mutual $5,912
Nationwide $2,858
Progressive $5,365
State Farm $6,007
Travelers $3,939
USAA $2,189

What factors affect Birmingham, AL car insurance rates?

Why are Birmingham, Alabama car insurance rates different than rates in Auburn or Tuscaloosa? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Birmingham, AL?

FBI statistics show that the Birmingham, Alabama car theft rate is 1,752 thefts each year. High theft rates can lead to higher than average Birmingham, AL car insurance rates.

How long is the average commute in Birmingham, AL?

More time spent behind the wheel can lead to higher Birmingham, Alabama car insurance rates. In Birmingham, AL, the average commute length is 21.9 minutes.

What is the traffic like in Birmingham, AL

Like commute length, time spent in traffic also increase risk of accidents. Birmingham, AL is listed as 149th in INRIX congested cities data.

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Car Insurance Quotes for Birmingham, AL

Shop for affordable Birmingham, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Birmingham, AL car insurance companies.

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