Compare Birmingham, MI Car Insurance Rates (2021)

Car insurance in Birmingham, MI averages $874 a month. Birmingham, Michigan car insurance requirements are 20/40/10, 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, MI.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Birmingham is USAA
  • Average car insurance rates in Birmingham, MI after a DUI are $17,334/year
  • The cheapest car insurance company in Birmingham for teen drivers is USAA

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

You’ll find Birmingham car insurance rates, the cheapest Birmingham, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Birmingham, Michigan car insurance rates to Detroit car insurance rates, Grand Rapids car insurance rates, and Warren car insurance rates.

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

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

How do age, gender, and marital status affect Birmingham, MI car insurance rates? Every Birmingham, Michigan 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, Michigan

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 $13,385 $13,385 $12,256 $12,256 $36,568 $36,568 $14,165 $14,165
Farmers $5,082 $5,082 $4,699 $4,699 $11,251 $11,251 $5,738 $5,738
GEICO $5,918 $5,918 $6,056 $6,056 $16,117 $16,117 $5,631 $5,631
Liberty Mutual $15,429 $15,429 $15,277 $15,277 $36,112 $36,112 $15,429 $15,429
Nationwide $4,932 $4,932 $4,388 $4,388 $13,073 $13,073 $5,414 $5,414
Progressive $3,177 $2,945 $2,815 $3,132 $12,116 $12,982 $3,704 $3,430
State Farm $7,546 $7,546 $7,033 $7,033 $26,995 $26,995 $8,879 $8,879
Travelers $7,220 $7,220 $6,197 $6,197 $21,849 $21,849 $7,847 $7,847
USAA $2,710 $2,571 $2,551 $2,409 $6,823 $6,512 $3,326 $3,198

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Birmingham, MI

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

Minimum Required Car Insurance Coverage in Birmingham, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Birmingham, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Birmingham, MI. 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, Michigan

Insurance Company Poor Fair Good
Allstate $28,461 $16,016 $12,804
Farmers $9,657 $5,403 $5,016
GEICO $10,866 $7,963 $6,461
Liberty Mutual $32,534 $18,785 $10,367
Nationwide $8,742 $6,558 $5,555
Progressive $6,364 $5,385 $4,864
State Farm $20,464 $10,350 $7,026
Travelers $11,048 $10,711 $10,575
USAA $5,628 $3,209 $2,450

Cheapest Birmingham, MI 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, MI to rates for a clean record with top companies.

Annual Birmingham, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,268 $12,260 $41,803 $13,044
Farmers $5,592 $7,206 $7,077 $6,895
GEICO $2,914 $6,255 $19,110 $5,442
Liberty Mutual $14,180 $17,281 $32,486 $18,299
Nationwide $5,928 $7,974 $7,216 $6,688
Progressive $4,694 $6,179 $5,540 $5,738
State Farm $7,898 $9,538 $21,019 $11,998
Travelers $7,281 $10,416 $16,797 $8,619
USAA $3,019 $3,777 $4,960 $3,293

Cheapest Birmingham, MI Car Insurance for Teen Drivers

Teen car insurance in Birmingham, MI 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, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,568 $36,568
Farmers $11,251 $11,251
GEICO $16,117 $16,117
Liberty Mutual $36,112 $36,112
Nationwide $13,073 $13,073
Progressive $12,116 $12,982
State Farm $26,995 $26,995
Travelers $21,849 $21,849
USAA $6,823 $6,512

Cheapest Birmingham, MI Car Insurance for Seniors

Take a look at Birmingham, MI 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, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $12,256 $12,256
Farmers $4,699 $4,699
GEICO $6,056 $6,056
Liberty Mutual $15,277 $15,277
Nationwide $4,388 $4,388
Progressive $2,815 $3,132
State Farm $7,033 $7,033
Travelers $6,197 $6,197
USAA $2,551 $2,409

Cheapest Birmingham, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Birmingham, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $41,803
Farmers $7,077
GEICO $19,110
Liberty Mutual $32,486
Nationwide $7,216
Progressive $5,540
State Farm $21,019
Travelers $16,797
USAA $4,960

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Birmingham, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Birmingham, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,094 $19,094
Farmers $6,692 $6,692
GEICO $8,238 $8,623
Liberty Mutual $19,859 $21,265
Nationwide $6,952 $6,952
Progressive $5,538 $5,538
State Farm $12,275 $12,952
Travelers $10,716 $10,840
USAA $3,720 $3,805

The Best Cheap Car Insurance Companies in Birmingham, MI

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

Average Annual Car Insurance Rates by Company in Birmingham, Michigan

Insurance Company Average Annual Rates
Allstate $19,094
Farmers $6,692
GEICO $8,430
Liberty Mutual $20,562
Nationwide $6,952
Progressive $5,538
State Farm $12,613
Travelers $10,778
USAA $3,762

Category Winners: Cheapest Car Insurance in Birmingham, Michigan

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

Best Annual Car Insurance Rates by Company in Birmingham, Michigan

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Birmingham, MI 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, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Birmingham, Michigan

Insurance Company Low Medium High
Allstate $18,415 $19,154 $19,712
Farmers $6,461 $6,670 $6,946
GEICO $7,855 $8,346 $9,091
Liberty Mutual $20,104 $20,517 $21,064
Nationwide $7,258 $6,840 $6,758
Progressive $5,344 $5,546 $5,723
State Farm $11,971 $12,692 $13,177
Travelers $10,660 $10,792 $10,882
USAA $3,626 $3,775 $3,886

What affects car insurance rates in Birmingham, Michigan?

What factors can have an impact on Birmingham, MI 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, Michigan.

Car Theft in Birmingham

High levels of vehicle theft can make car insurance more expensive. Birmingham, MI car theft statistics from the FBI indicate 7 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, MI is 23.2 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, MI traffic data from INRIX ranks Birmingham as the 149th-most congested in the world.

Compare Car Insurance Quotes in Birmingham, MI

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption