Best Cheap Auto Insurance in Birmingham, AL (2022)

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 Birminham, AL Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Birmingham, AL auto insurance rates by ZIP Code below:

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Birmingham, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates

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What city you reside in will impact your car insurance. That’s why it’s essential to compare Birmingham, AL against other top US metro areas’ auto insurance costs.

Read this article for answers to your questions about Birmingham, Alabama auto insurance. When you’re 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.

What is the cheapest auto insurance company in Birmingham, AL?

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What is the cheapest Birmingham, AL auto insurance company? Using average rates for the city, the cheapest insurance company is USAA. However, USAA is only available to military members and their families, so the cheapest insurer available to everyone is Nationwide.

The cheapest Birmingham, AL car insurance providers can be found below. You also might be wondering, “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 car insurance companies in Birmingham, AL ranked from cheapest to most expensive:

• USAA – $2,189.12
• Nationwide – $2,858.28
• GEICO – $3,242.65
• Allstate – $3,600.38
• Travelers – $3,939.25
• Farmers – $4,597.50
• Progressive – $5,365.49
• Liberty Mutual – $5,911.96
• State Farm – $6,007.49

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These are just average rates, which can be used as a baseline as you’re shopping for coverage. Keep in mind that your specific rates will vary based on your age, gender and marital status, driving record, and even your 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 provider for another age group.

Your coverage level will play a major role in your Birmingham, AL car insurance costs. Find the cheapest Birmingham, Alabama car insurance costs by coverage level below:

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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 is not allowed: California, Hawaii, and Massachusetts. 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 40 to 50 percent. Find the cheapest Birmingham, Alabama car insurance costs by driving record.

Controlling these risk factors will ensure you have the cheapest Birmingham, Alabama car insurance. Factors affecting car insurance rates in Birmingham, AL may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Birmingham, AL car insurance rates. Young drivers are often considered high-risk. This Birmingham, Alabama does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Birmingham, AL.

What auto insurance coverage is required in Birmingham, AL?

Drivers in Birmingham are subject to Alabama state driving laws, so everyone must meet the minimum requirements set by the state.

To drive legally in Alabama, you must carry minimum liability coverage of at least:

• $25,000 per person and $50,000 per incident for bodily injury liability
• $25,000 per incident for property damage

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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 filed by the other driver(s).

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What affects auto insurance rates in Birmingham, AL?

Birmingham is the most populated city in Alabama, which means it is the busiest and has the most traffic. Ultimately this results in more chances for accidents and other traffic incidents, raising insurance rates.

According to INRIX, Birmingham is the 36th most congested city in the U.S.

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City-Data reports that the average commute time for Birmingham drivers is 22.3 minutes.

Crime rates like auto theft can also have a negative effect on car insurance rates. Recent annual FBI statistics indicate 816 vehicle thefts reported annually.

Birmingham, AL Auto Insurance: The Bottom Line

Make sure you have the coverage you need to drive in Birmingham, Alabama, legally. You can save on your coverage by shopping around, comparing rates, and asking about discounts.

More: Cheap Car Insurance in Alabama for 2022

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.