Cheap Auto Insurance in Birmingham, Alabama (2024)
Auto-Owners offers the cheapest car insurance in Birmingham, with liability-only rates starting at $43 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byDaniel Roccato
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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated October 30, 2024
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Table of contents
Birmingham is a thriving city with a small-town feel. It’s home to state parks, nature trails, and an abundance of attractions like the Birmingham Zoo, Alabama Theatre, and the Birmingham Museum of Art. It’s located in Jefferson County, the most populous county in Alabama, which could be why its liability-only car insurance rates are higher than the state average.
On average, Birmingham residents pay $69 per month for liability-only insurance and $185 per month for full coverage. The state averages, by comparison, are $60 and $156, respectively.
Your car insurance rates may be more or less than the averages, depending on factors like your driving history, age, gender, and more. Here’s what you need to know about finding an affordable auto policy in Birmingham.
Quick Facts
Auto-Owners, State Farm, and USAA are the cheapest car insurance companies in Birmingham.
Birmingham car insurance rates may be higher than average because of the University of Alabama at Birmingham, which has more than 22,000 students, which can increase traffic congestion and accident rates.
The contributory negligence laws in Alabama can prevent you from recovering damages from another party’s car insurance policy if you’re partially responsible for a car accident.[1]
3 of the cheapest car insurance companies in Birmingham
Finding the best car insurance company for you depends on different factors, such as your budget, coverage preferences, and driving record. To help you start your search, Insurify analyzed and identified the best auto insurers in Birmingham, based on customer satisfaction, AM Best financial strength ratings, average quotes, and more.
Insurance Company ▲▼ | Insurify Quality (IQ) Score ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $71 | $37 | Liability-only coverage |
| USAA | 9.4 | $71 | $37 | Military members |
| AssuranceAmerica | 5.3 | $147 | $80 | High-risk drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
Auto-Owners started in 1916 and stands out for its highly customizable, affordable coverage and numerous discounts. Some of its notable insurance options include coverage for additional expenses, diminished value, purchase price guarantee, and at-fault accident forgiveness. The car insurance company also earned an AM Best financial strength rating of A++ (Superior).
Pros
Many discounts and coverage options
Purchase price guarantee
Cons
Won’t file an SR-22 on your behalf
Online quotes not available
Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
…
Best insurer for military members: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
USAA provides a variety of insurance products to the military community, such as car insurance, home insurance, and boat insurance. To purchase a policy, you must be an active-duty, retired, or reserve military member (or an immediate family member of one) and join USAA. Once you’re a member, you can enjoy award-winning customer service and military-specific benefits.
Pros
SafePilot usage-based insurance program
Above-average J.D. Power customer satisfaction rating
Cons
Lower bundling discount than other insurers
Gap insurance not available
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
…
Best insurer for high-risk drivers: AssuranceAmerica
AssuranceAmericaCompare personalized, real-time quotes
| User Reviews | 2.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $158/mo |
AssuranceAmerica is a regional car insurance company that offers auto insurance to high-risk drivers who may have trouble securing a policy elsewhere. It partners with independent insurance agents across the U.S. to help high-risk drivers find the right coverage.
Pros
Cheap car insurance rates for high-risk drivers
Mobile app allows for policy payment and management
Cons
Higher than expected number of complaints for a company of its size in the National Association of Insurance Commissioners (NAIC) Complaint Index
Fewer customizable coverage options than competitors
Read more driver reviews of AssuranceAmerica
Tomeka - October 28, 2024
Verified
High
It's not good because they increased my policy by $300 and could not explain to me why.
Lisa - September 23, 2024
Verified
Don't Waste Your Time
It has been a horrible experience. My rate seems to be increasing every month.
Rudy - September 23, 2024
Verified
Good Company
It's been fine. I really can't complain much about anything.
…
How to get the cheapest car insurance in Birmingham
It will take some time and effort to find the cheapest car insurance for your unique situation. To land the best deal on an auto policy in Birmingham, follow these tips:
Shop around. It may be tempting to choose a policy from the first car insurance company you find. But if you’d like to save as much money as possible, it’s a good idea to get quotes from several companies and compare your insurance options.
Consider pay-per-mile insurance. If you’re an infrequent driver, pay-per-mile insurance might be a smart choice. You’ll only pay for the number of miles you drive.
Ask about discounts. It’s common for car insurance companies to offer a variety of discounts. A few examples include the anti-theft device discount and loyalty discount.
Bundle policies. You likely need more than one type of insurance policy. If this is the case, you can usually get a discount for bundling an auto policy with homeowners insurance, renters insurance, or life insurance.
Cheapest liability-only car insurance in Birmingham: Auto-Owners
The state of Alabama requires liability-only car insurance. All drivers must carry minimum limits of 25/50/25.[2] This type of policy covers the other driver’s property damage and injury expenses after an at-fault accident, not your own. It’s bare-bones car insurance and typically cheaper than full-coverage policies. But if you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage on the vehicle.
Drivers can find the cheapest minimum-coverage policies from Auto-Owners, with rates as low as $43 per month. Here average monthly quotes from other top insurers offering cheap liability-only car insurance in Birmingham.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $43 |
| State Farm | $43 |
| USAA | $43 |
| Allstate | $46 |
| COUNTRY Financial | $47 |
| Travelers | $59 |
| National General | $62 |
| GEICO | $64 |
| Direct Auto | $66 |
| Nationwide | $73 |
| Progressive | $77 |
| Farmers | $79 |
| Safeco | $85 |
| AssuranceAmerica | $88 |
| Clearcover | $89 |
| Foremost | $100 |
| Midvale Home & Auto | $102 |
| GAINSCO | $129 |
| Liberty Mutual | $134 |
| Bristol West | $137 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Birmingham: Auto-Owners
If you’d like extra protection on the road, full-coverage car insurance may be worth it. It usually includes liability, collision, and comprehensive insurance. Your lender or lessor may require you to purchase a full-coverage policy if you have a lease or loan on your vehicle.
Auto-Owners offers the cheapest full-coverage policies in Birmingham. Its rates start at $79 per month. Here’s a look at other affordable full-coverage car insurers in Birmingham.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $79 |
| USAA | $79 |
| State Farm | $80 |
| Allstate | $85 |
| COUNTRY Financial | $88 |
| Travelers | $107 |
| GEICO | $118 |
| Nationwide | $135 |
| Safeco | $141 |
| National General | $143 |
| Progressive | $144 |
| Farmers | $145 |
| Clearcover | $151 |
| AssuranceAmerica | $158 |
| Direct Auto | $163 |
| Midvale Home & Auto | $174 |
| Liberty Mutual | $229 |
| Foremost | $252 |
| GAINSCO | $277 |
| Bristol West | $333 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Birmingham, Alabama
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $70/mo for full coverage in Birmingham and other Alabama cities.
*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Birmingham, Alabama within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Alabama
Like many states, Alabama is an at-fault, or tort, state. This means that after a car accident, the at-fault driver must cover the medical expenses and property damage costs of the other parties.
Alabama is unique in that it follows the contributory negligence rule. Per the contributory negligence rule, if you’re partly at fault for an accident, you may not be able to recover damages. Drivers must also show proof of insurance while driving to avoid consequences.
Alabama requires 25/50/25 minimum liability insurance, which translates to the following coverages:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
While purchasing liability-only insurance is a cost-effective option, it may not be enough to fully protect your vehicle or cover any medical expenses after an accident. If you’re looking for additional protection as a driver in Birmingham, you may want to consider these optional car insurance policies:
Comprehensive coverage
Comprehensive coverage protects you against damage from non-collision-related events, like fire, theft, and vandalism.
Collision coverage
Collision insurance covers the cost to repair or replace your vehicle if you get into an accident with another driver or stationary object, regardless of who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can save you from hefty out-of-pocket costs if a driver without car insurance or with insufficient coverage hits you.
Medical payments coverage
Medical payments insurance is a lot like personal injury protection (PIP) coverage, and it pays for medical expenses and funeral costs, no matter who is at fault.
Rental car reimbursement coverage
If you can’t drive your vehicle because it needs repairs after a car accident, rental car reimbursement can help cover the cost of a rental car.
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Keep Reading: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are a few examples of incidents that can increase your car insurance rates. Birmingham drivers with clean records typically lock in the lowest prices. Fortunately, you can still find affordable car insurance with incidents on your driving record. Here are the cheapest insurers in Birmingham for drivers with incidents on their records.
Shop for Auto Insurance in Birmingham
Minimum coverage starts as low as $99 for drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket: State Farm
In Alabama, speeding was a top contributor to fatal crashes in 2022.[3] Speeding can make it difficult to take proper action in dangerous situations and often leads to car accidents. This is why drivers who get speeding tickets can expect higher car insurance costs, even if they don’t cause an accident.[4]
On average, Birmingham drivers with speeding tickets pay $292 per month for full coverage and $109 for liability-only coverage. The table below shows the cheapest liability car insurance for Birmingham drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $60 |
| State Farm | $43 | $59 |
| USAA | $43 | $59 |
| Allstate | $46 | $63 |
| COUNTRY Financial | $47 | $66 |
| Travelers | $59 | $82 |
| National General | $62 | $86 |
| GEICO | $64 | $88 |
| Direct Auto | $66 | $91 |
| Nationwide | $73 | $102 |
| Progressive | $77 | $106 |
| Farmers | $79 | $108 |
| Safeco | $85 | $119 |
| AssuranceAmerica | $88 | $123 |
| Clearcover | $89 | $125 |
| Foremost | $100 | $149 |
| GAINSCO | $129 | $192 |
| Liberty Mutual | $134 | $199 |
| Bristol West | $137 | $189 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
In 2022, law enforcement recorded 144,263 accidents in Alabama.[5] Most of those occurred in urban areas, but the number of fatalities was higher in rural areas. If you cause an accident, your car insurance premiums will likely increase due to your higher risk of another accident.
An at-fault accident pushes average car insurance rates in Birmingham to $302 per month for full coverage and $113 for liability only. The insurers in the table below offer the cheapest car insurance quotes for Birmingham drivers with an at-fault accident.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $62 |
| State Farm | $43 | $62 |
| USAA | $43 | $62 |
| Allstate | $46 | $67 |
| COUNTRY Financial | $47 | $70 |
| Travelers | $59 | $86 |
| National General | $62 | $90 |
| GEICO | $64 | $93 |
| Direct Auto | $66 | $97 |
| Nationwide | $73 | $106 |
| Progressive | $77 | $113 |
| Farmers | $79 | $114 |
| Safeco | $85 | $120 |
| AssuranceAmerica | $88 | $126 |
| Clearcover | $89 | $138 |
| Foremost | $100 | $154 |
| GAINSCO | $129 | $179 |
| Liberty Mutual | $134 | $207 |
| Bristol West | $137 | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
In 2022, 6,751 Alabama drivers received DUI citations and 197 people died in drug- or alcohol-related crashes.[5] Not only can a DUI lead to hefty fines and jail time, but it may also result in more expensive car insurance coverage. This is particularly true if you have to file an SR-22, per Alabama law.
Birmingham drivers with DUIs pay the most for car insurance. Their average monthly rates are $339 for full coverage and $126 for minimum coverage. The table below shows the average monthly liability car insurance quotes for Birmingham drivers with a DUI on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $75 |
| State Farm | $43 | $75 |
| USAA | $43 | $75 |
| Allstate | $46 | $80 |
| COUNTRY Financial | $47 | $82 |
| Travelers | $59 | $103 |
| National General | $62 | $108 |
| GEICO | $64 | $111 |
| Direct Auto | $66 | $115 |
| Nationwide | $73 | $127 |
| Progressive | $77 | $134 |
| Farmers | $79 | $138 |
| Safeco | $85 | $148 |
| AssuranceAmerica | $88 | $153 |
| Clearcover | $89 | $155 |
| Foremost | $100 | $174 |
| GAINSCO | $129 | $225 |
| Liberty Mutual | $134 | $233 |
| Bristol West | $137 | $239 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Though experienced drivers, seniors are more likely to get into an accident or seriously injured in an accident than middle-aged drivers. Average premiums usually decrease around age 35 and then increase a bit around age 70, but senior drivers still tend to have lower-than-average rates.
Senior drivers see average monthly insurance rates of $139 for full coverage, and $52 for liability-only. Here’s a look at the lowest auto insurance quotes for seniors in Birmingham.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $42 | $23 |
| Auto-Owners | $43 | $23 |
| USAA | $47 | $26 |
| COUNTRY Financial | $49 | $26 |
| Allstate | $50 | $27 |
| Travelers | $61 | $34 |
| Progressive | $67 | $36 |
| GEICO | $68 | $37 |
| Nationwide | $68 | $37 |
| Farmers | $80 | $43 |
| National General | $81 | $35 |
| AssuranceAmerica | $90 | $50 |
| Direct Auto | $94 | $38 |
| Safeco | $95 | $58 |
| Clearcover | $100 | $59 |
| Liberty Mutual | $145 | $85 |
| Foremost | $152 | $60 |
| GAINSCO | $194 | $91 |
| Bristol West | $201 | $83 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Teenagers and young adults have less experience behind the wheel than older drivers and face higher car insurance premiums as a result. To save money on auto insurance, teens can stay on their parents’ policy, lock in a good student discount, and complete an approved driving course.
Teen drivers in Birmingham have average car insurance costs of $345 per month for full coverage, and $129 for liability-only policies. For teens and young adults in search of cheap car insurance in Birmingham, start with the insurers in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| COUNTRY Financial | $133 | $71 |
| USAA | $136 | $74 |
| Auto-Owners | $139 | $75 |
| State Farm | $141 | $76 |
| Allstate | $155 | $84 |
| GEICO | $194 | $105 |
| Travelers | $199 | $110 |
| Nationwide | $241 | $131 |
| Farmers | $263 | $143 |
| Progressive | $265 | $142 |
| National General | $290 | $126 |
| Safeco | $290 | $175 |
| Clearcover | $299 | $176 |
| AssuranceAmerica | $301 | $167 |
| Direct Auto | $307 | $124 |
| Liberty Mutual | $419 | $245 |
| Foremost | $463 | $184 |
| GAINSCO | $500 | $233 |
| Bristol West | $583 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Cheap Auto Coverage in Birmingham
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Birmingham car insurance quotes by credit tier
Car insurers believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. As a result, some car insurance companies look at credit histories of prospective policyholders to determine rates. While a handful of states prohibit insurers from considering credit history, Alabama allows it.
The chart below shows that Birmingham drivers with excellent credit pay $196 per month for car insurance, on average, while drivers with poor credit pay an average of $394 per month.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Birmingham?
The average cost of a liability-only auto policy in the U.S. is $104 per month, according to Insurify data. For full coverage, the average monthly cost is $211. At $69 and $185, respectively, Birmingham’s car insurance rates are lower than the national average. But Birmingham's averages are higher than the Alabama state averages of $60 for liability-only coverage and $156 for full coverage.
Note that car insurance rates vary by city and ZIP code within Alabama due to factors like population, crime rates, and the number of uninsured drivers. For example, full-coverage quotes for Birmingham are cheaper than they are in Bessemer, Mobile, and Montgomery.
More cities in Alabama
Here’s a look at average monthly car insurance quotes for other cities in Alabama compared to Birmingham’s rates.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auburn | $166 | $62 |
| Enterprise | $128 | $57 |
| Huntsville | $147 | $64 |
| Mobile | $186 | $71 |
| Montgomery | $185 | $69 |
| Tuscaloosa | $173 | $64 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Birmingham car insurance FAQs
Learn more about the factors that affect your car insurance before you shop quotes and check out Insurify’s answers to common questions about auto coverage in Birmingham.
How much is car insurance in Birmingham?
The average cost of car insurance in Birmingham is $69 per month for liability-only insurance and $185 per month for full coverage.
What are the cheapest car insurance companies in Birmingham?
Auto-Owners is the cheapest insurer in Birmingham. Its minimum-coverage policies start at $43 per month.
Birmingham drivers can also find affordable coverage through the city's second- and third-cheapest companies, State Farm and USAA, which have liability-only rates of $43 and $43, respectively.
What are the best car insurance companies in Birmingham?
Some of the best car insurance companies in Birmingham are Auto-Owners and USAA. These companies have solid AM Best financial strength ratings and high Insurify Quality (IQ) Scores. However, if you’re a high-risk driver, you might consider AssuranceAmerica for its digital policy management and coverage for people with spotty driving histories.
What is the minimum car insurance in Alabama?
Alabama requires 25/5025 minimum liability coverage. This translates to $25,000 per person and $50,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability.
What types of car insurance coverage are available in Birmingham?
Birmingham drivers can find almost any type of insurance coverage available in the city. Many of the best auto insurers offer comprehensive, collision, rental reimbursement, uninsured/underinsured motorist, medical payments, personal injury protection, and gap coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Findlaw. "Alabama Negligence Laws."
- Alabama Department of Insurance. "Automobile Insurance FAQs."
- Alabama Department of Transportation. "2022 Crash Facts."
- National Safety Council. "Motor Vehicle Safety Issues: Speeding."
- Alabama Department of Transportation. "2022 Crash Facts."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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