Compare Birmingham, AL Car Insurance Rates (2021)

Car insurance in Birmingham, AL averages $349 a month. Birmingham, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Birmingham car insurance rates, compare quotes from the top car insurance companies in Birmingham, AL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Birmingham is 35226
  • Average car insurance rates in Birmingham, AL are $4,190/year
  • Average car insurance rates in Birmingham, AL after a DUI are $4,765/year

If you need to buy Birmingham, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Birmingham, AL is right here.

You’ll find Birmingham car insurance rates, the cheapest Birmingham, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Birmingham, Alabama car insurance rates to Auburn car insurance rates, Mobile car insurance rates, and Montgomery car insurance rates.

Ready to find affordable Birmingham, AL car insurance today? Enter your ZIP code for fast, free Birmingham car insurance quotes.

Cheapest Birmingham, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Birmingham, AL car insurance rates? Every Birmingham, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

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

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Minimum Car Insurance in Birmingham, AL

Every driver must carry the minimum car insurance in Birmingham, AL. Take a look at the Alabama car insurance requirements.

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

Cheapest Birmingham, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Birmingham, AL. Compare credit history car insurance rates in Birmingham from top companies for good, fair, and poor credit.

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

Cheapest Birmingham, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Birmingham, AL to rates for a clean record with top 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

Cheapest Birmingham, AL Car Insurance for Teen Drivers

Teen car insurance in Birmingham, AL can be expensive. Take a look at rates from the top car insurance companies in Birmingham for teenagers.

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

Cheapest Birmingham, AL Car Insurance for Seniors

Take a look at Birmingham, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Birmingham, AL Car Insurance Rates After a DUI

A DUI in Birmingham, AL increases car insurance rates. Compare Birmingham, Alabama DUI car insurance by company to find the cheapest option.

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

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Cheapest Birmingham, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Birmingham, AL by commute? Take a look at a comparison of the top companies by commute length.

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

Cheapest Birmingham, AL Car Insurance Rates by ZIP Code

Birmingham car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Birmingham, AL.

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

The Best Cheap Car Insurance Companies in Birmingham, AL

Take a look at a side-by-side comparison of the top car insurance companies in Birmingham, AL to find the best option for your needs.

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

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Category Winners: Cheapest Car Insurance in Birmingham, Alabama

Find the cheapest car insurance companies in Birmingham, AL for each category right here.

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

Cheapest Birmingham, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Birmingham car insurance rates. Find the cheapest Birmingham, AL car insurance rates by coverage level.

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

What affects car insurance rates in Birmingham, Alabama?

What factors can have an impact on Birmingham, AL car insurance? There are several reasons why Birmingham car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Birmingham, Alabama.

Car Theft in Birmingham

High levels of vehicle theft can make car insurance more expensive. Birmingham, AL car theft statistics from the FBI indicate 1,752 vehicle thefts a year.

Commute Time in Birmingham

The more time you spend in your car the higher the risk of an accident. The average commute length in Birmingham, AL is 21.9 minutes according to City-Data.

Traffic in Birmingham

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Birmingham, AL traffic data from INRIX ranks Birmingham as the 149th-most congested in the world.

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Compare Car Insurance Quotes in Birmingham, AL

Ready to find affordable Birmingham, Alabama car insurance today? Enter your ZIP code for fast, free Birmingham, AL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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