Birmingham, AL Auto Insurance (2023)
USAA and Nationwide offer the cheapest auto insurance rates in Birmingham, AL. Alabama is an at-fault state, and the minimum requirements for Birmingham, AL, auto insurance are 25/50/25 for minimum liability coverage. On average, Birmingham, AL, drivers pay $360 monthly for full coverage auto insurance, but you should always shop around and compare quotes.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance companies in Birmingham, AL, are USAA and Nationwide
- Birmingham is the 36th most congested city in the country
- Commutes for Birmingham drivers average 22.3 minutes
Are you looking for Birmingham, AL, auto insurance? If you’re on a budget and looking for cheap auto insurance in Birmingham, you’ve come to the right place.
Monthly Birmingham, AL, Auto Insurance Rates by ZIP Code
ZIP codes will play a major role in your auto insurance rates because the ZIP code calculates factors like crime and traffic. Find more info about the monthly Birmingham, AL auto insurance rates by ZIP code below:
For more information, see auto insurance rates by ZIP code: what you need to know.
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Birmingham, AL, Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Your location significantly impacts your auto insurance rates, so comparing Birmingham, AL, against other top U.S. metro areas’ auto insurance costs is essential.
Read this article for answers to your questions about Birmingham, Alabama, auto insurance. Then, when looking for affordable rates, you can shop around, compare rates, and ask about discounts.
Ready to find affordable Birmingham, AL, auto insurance? Enter your ZIP code in our free tool to get Birmingham, AL, auto insurance quotes today.
Cheapest Auto Insurance Company in Birmingham, AL
What is the cheapest Birmingham, AL, auto insurance company? Using average rates for the city, the cheapest insurance company is USAA auto insurance. However, USAA is only available to military members and their families, so Nationwide auto insurance is the cheapest insurer available to everyone.
You can find the cheapest Birmingham, AL, auto insurance companies below. You also might wonder, “How do those Birmingham, AL, rates compare against the average Alabama car insurance company rates?” We uncover that too.
Take a look at this list of the top auto insurance companies in Birmingham, AL, ranked from cheapest to most expensive:
- USAA auto insurance: $182
- Nationwide auto insurance: $238
- Geico auto insurance: $270
- Allstate auto insurance: $300
- Travelers auto insurance: $328
- Farmers auto insurance: $383
- Progressive auto insurance: $447
- Liberty Mutual auto insurance: $493
- State Farm auto insurance: $501
These are just average rates, which can be used as a baseline as you shop for coverage. Remember that your specific rates will vary based on your age, gender, marital status, driving record, and credit score.
Birmingham, Alabama, car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best for another age group.
Your coverage level will significantly affect Birmingham, AL, auto insurance costs. Find the cheapest Birmingham, Alabama, car insurance costs by coverage level below:
How does your credit score impact auto insurance rates? The short answer, it can be a big impact. Your credit score will play a major role in your Birmingham, AL, car insurance costs unless you live in these states where discrimination based on credit isn’t allowed: California, Hawaii, Massachusetts, Michigan, Oregon, and Utah. Find the cheapest Birmingham, AL, car insurance costs by credit score below.
Your driving record will affect your Birmingham, AL, car insurance costs. For example, a Birmingham, Alabama, DUI may increase your car insurance costs by 40-50%. Find the cheapest Birmingham, Alabama, car insurance costs by driving record. Learn more about how to find auto insurance for drivers with a DUI, since some companies may deny you coverage.
Controlling these risk factors will ensure you have the cheapest Birmingham, Alabama, auto insurance. Factors affecting auto insurance rates in Birmingham, AL, may include your commute, coverage level, tickets, DUIs, and credit. Read more about the best auto insurance companies for drivers with speeding tickets.
Age is a significant factor for Birmingham, AL, auto insurance rates since insurers consider young drivers high-risk. Read how you can find affordable auto insurance for young adults. However, this Birmingham, Alabama, article does use gender as a car insurance factor, so check out the average auto insurance rates by age and gender in Birmingham, AL.
For more information, see average auto insurance rates by age.
Required Birmingham, AL, Auto Insurance Coverages
Drivers in Birmingham are subject to Alabama state driving laws, so everyone must meet the minimum auto insurance requirements by the state.
To drive legally in Alabama, you must carry minimum liability auto coverage of at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $25,000 per incident for property damage
This coverage is required because Alabama is an at-fault state, meaning that if you’re at fault in an accident, you (and your insurance) are responsible for any claims the other driver(s) filed.
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Factors Affecting Birmingham, AL, Auto Insurance Rates
Birmingham is the most populated city in Alabama, meaning it’s the busiest and has the most traffic. Ultimately, this increases the chances of accidents and other traffic incidents, raising auto insurance rates.
According to INRIX, Birmingham is the 36th most congested city in the U.S.
City data reports that the average commute time for Birmingham drivers is 22.3 minutes. The length of your commute can impact auto insurance rates as well. Compare your commute with the most expensive commute in the United States to see how yours stacks up.
Crime rates like auto theft can also negatively affect car insurance rates. For example, recent annual FBI statistics indicate 816 vehicle thefts get reported annually.
Understanding More About Birmingham, AL, Auto Insurance
Ensure you have the coverage you need to drive in Birmingham, Alabama, legally. You can save on coverage by shopping around, comparing rates, and asking about auto insurance discounts.
Ready to buy Birmingham, AL, auto insurance? Enter your ZIP code in the free tool on this page for Birmingham, AL, auto insurance quotes today.
Frequently Asked Questions
How much is Birmingham, AL, auto insurance?
On average, you’ll pay $360 a month for full coverage auto insurance in Birmingham, AL, but you could find lower rates by comparing quotes from several companies.
Is auto insurance required in Birmingham, AL?
Yes, you must carry at least minimum auto insurance in Birmingham, AL. Alabama requires drivers to carry at least $25,000 per person in bodily injury liability, $50,000 per accident in bodily injury liability, and $25,000 for property damage liability.
What factors affect auto insurance rates in Birmingham, AL?
Factors like age, driving record, vehicle type, location, and credit score will affect your auto insurance rates in Birmingham, AL.
Who has the cheapest auto insurance rates in Birmingham, AL?
USAA has the cheapest auto insurance rates in Birmingham, AL, of $182 monthly.
Why is auto insurance important?
Auto insurance offers financial protection if you get in an accident, helping to cover property damage costs, medical expenses, and liability claims.
Can I change my auto insurance policy in the middle of the policy term?
Yes, you can change your auto insurance policy in the middle of the policy term. However, it’s important to review the terms and conditions of your current policy and understand any potential penalties or fees for canceling early. Use our free online quote tool to shop around and compare quotes from different insurers before making a switch. Just enter your ZIP code to get started.
What should I do if my auto insurance policy is canceled or non-renewed?
If your auto insurance policy is canceled or not renewed by the insurer, you should start looking for alternative coverage immediately. Driving without insurance is illegal in Birmingham, AL, so it’s crucial to maintain continuous coverage. Contact other insurance companies to obtain quotes and find a new policy that meets your needs.
Are there any discounts available for auto insurance in Birmingham, AL?
Yes, many insurance companies offer various discounts. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for having certain safety features on your vehicle. It’s best to check with different insurers to see which discounts they offer.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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.
