Best Cheap Auto Insurance in Birmingham, OH (2021)

The average Birmingham, OH auto insurance rates are $216 per month. The minimum auto insurance in Birmingham is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Birmingham, Ohio, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Birmingham is USAA
  • The minimum auto insurance required in Birmingham, Ohio is 25/50/25
  • Average auto insurance rates in Birmingham, OH for senior drivers are $1,340 per year

Birmingham, Ohio auto insurance requirements are 25/50/25 according to Ohio auto insurance laws. Finding cheap auto insurance in Birmingham can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Birmingham, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Birmingham to other Ohio cities, including Youngs auto insurance rates, Lorain auto insurance rates, and Cleveland auto insurance rates to see how Birmingham, Ohio auto insurance rates stack up.

Before you buy Birmingham, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Birmingham, Ohio auto insurance quotes.

Minimum Auto Insurance in Birmingham, Ohio

Birmingham, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Birmingham, Ohio.

Minimum Required Auto Insurance Coverage in Birmingham, Ohio

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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Cheap Birmingham, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Birmingham, Ohio are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Birmingham, Ohio

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 $1,968 $1,952 $1,784 $1,905 $5,554 $6,345 $2,051 $2,180
American Family $908 $943 $827 $832 $2,734 $2,969 $1,117 $1,176
Farmers $1,667 $1,659 $1,469 $1,552 $7,447 $7,718 $1,868 $1,946
GEICO $1,176 $1,148 $1,117 $1,139 $3,167 $2,943 $1,303 $1,100
Liberty Mutual $1,886 $2,057 $1,451 $1,765 $9,995 $11,281 $1,998 $2,178
Nationwide $1,982 $1,989 $1,793 $1,802 $5,115 $6,573 $2,120 $2,459
Progressive $1,643 $1,544 $1,369 $1,413 $7,360 $8,289 $1,960 $2,027
State Farm $1,290 $1,290 $1,160 $1,160 $4,102 $5,147 $1,501 $1,722
Travelers $1,315 $1,332 $1,318 $1,307 $5,764 $9,090 $1,375 $1,552
USAA $859 $866 $818 $817 $2,635 $2,933 $1,146 $1,234

Cheap Birmingham, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Birmingham, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Birmingham, Ohio.

Annual Auto Insurance Rates for Teen Drivers in Birmingham, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,554 $6,345
American Family $2,734 $2,969
Farmers $7,447 $7,718
GEICO $3,167 $2,943
Liberty Mutual $9,995 $11,281
Nationwide $5,115 $6,573
Progressive $7,360 $8,289
State Farm $4,102 $5,147
Travelers $5,764 $9,090
USAA $2,635 $2,933

Cheap Birmingham, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Birmingham, Ohio? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Birmingham, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,784 $1,905
American Family $827 $832
Farmers $1,469 $1,552
GEICO $1,117 $1,139
Liberty Mutual $1,451 $1,765
Nationwide $1,793 $1,802
Progressive $1,369 $1,413
State Farm $1,160 $1,160
Travelers $1,318 $1,307
USAA $818 $817

Cheap Birmingham, Ohio Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Birmingham, Ohio compared to the annual auto insurance rates with a clean record in Birmingham, Ohio.

Annual Birmingham, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,481 $3,013 $3,557 $2,818
American Family $1,379 $1,458 $1,458 $1,458
Farmers $2,607 $3,363 $3,280 $3,413
GEICO $1,109 $1,601 $2,340 $1,497
Liberty Mutual $3,423 $4,400 $4,488 $3,995
Nationwide $2,395 $3,036 $3,841 $2,644
Progressive $2,760 $3,753 $2,941 $3,348
State Farm $1,974 $2,369 $2,171 $2,171
Travelers $2,114 $2,766 $4,180 $2,467
USAA $1,085 $1,454 $1,913 $1,202

Cheap Birmingham, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Birmingham, Ohio is not easy. Compare the annual rates for DUI auto insurance in Birmingham, Ohio to find the best deal.

Annual Auto Insurance Rates After a DUI in Birmingham, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,557
American Family $1,458
Farmers $3,280
GEICO $2,340
Liberty Mutual $4,488
Nationwide $3,841
Progressive $2,941
State Farm $2,171
Travelers $4,180
USAA $1,913

Cheap Birmingham, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Birmingham, Ohio annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Birmingham, Ohio

Insurance Company Poor Fair Good
Allstate $3,805 $2,781 $2,316
American Family $1,908 $1,303 $1,104
Farmers $3,583 $3,030 $2,884
GEICO $1,960 $1,637 $1,314
Liberty Mutual $5,830 $3,587 $2,813
Nationwide $3,592 $2,897 $2,449
Progressive $3,588 $3,108 $2,906
State Farm $3,093 $1,913 $1,508
Travelers $3,219 $2,805 $2,621
USAA $1,833 $1,299 $1,109

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Cheap Birmingham, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Birmingham, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Birmingham, Ohio to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Birmingham, Ohio

ZIP Code Average Annual Rates
44816 $2,485

Cheap Birmingham, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Birmingham, Ohio auto insurance. Find the cheapest annual Birmingham, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Birmingham, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,967 $2,967
American Family $1,421 $1,455
Farmers $3,166 $3,166
GEICO $1,609 $1,665
Liberty Mutual $4,077 $4,077
Nationwide $2,979 $2,979
Progressive $3,201 $3,201
State Farm $2,117 $2,226
Travelers $2,882 $2,882
USAA $1,359 $1,468

Cheap Birmingham, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Birmingham, Ohio? Check out the comparison of annual Birmingham, Ohio auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Birmingham, Ohio

Insurance Company Low Medium High
Allstate $2,861 $2,961 $3,080
American Family $1,412 $1,449 $1,454
Farmers $2,995 $3,117 $3,385
GEICO $1,578 $1,628 $1,704
Liberty Mutual $3,918 $4,099 $4,213
Nationwide $3,285 $2,888 $2,764
Progressive $3,059 $3,170 $3,372
State Farm $2,058 $2,178 $2,277
Travelers $2,798 $2,921 $2,926
USAA $1,348 $1,412 $1,480

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Best By Category: Cheapest Auto Insurance in Birmingham, Ohio

Compare the cheapest auto insurance companies in Birmingham, Ohio in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Birmingham, Ohio

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

The Cheapest Birmingham, Ohio Auto Insurance Companies

What auto insurance companies in Birmingham, Ohio are the cheapest? Compare the top Birmingham, Ohio auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Birmingham, Ohio

Insurance Company Average Annual Rates
Allstate $2,967
American Family $1,438
Farmers $3,166
GEICO $1,637
Liberty Mutual $4,077
Nationwide $2,979
Progressive $3,201
State Farm $2,171
Travelers $2,882
USAA $1,413

What affects auto insurance rates in Birmingham, Ohio?

There are a lot of reasons why auto insurance rates in Birmingham, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Birmingham, Ohio. Many local factors may affect your Birmingham auto insurance rates.

Birmingham Traffic

How does Birmingham, Ohio rank for traffic? According to Inrix Birmingham, Ohio is the 149th most congested worldwide.

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Compare Birmingham, Ohio Auto Insurance Quotes

Before you buy Birmingham, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Birmingham, Ohio auto insurance quotes.

Free Auto Insurance Comparison

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

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