Cheapest car insurance in Birmingham, AL

Average car insurance cost in Birmingham

The average car insurance rate in Birmingham for full coverage is $2,306 per year or $192 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Birmingham is $601 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium	$1,153
Average annual premium	$2,306
State minimum premium	$601

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Cheapest car insurance companies in Birmingham

Travelers offers the cheapest rates on average at $1,814 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Birmingham.

Company	Average 6 month premium	Average annual premium
Travelers	$907	$1,814
Nationwide	$968	$1,936
GEICO	$971	$1,942
Country Financial	$1,032	$2,064
Auto-Owners	$1,257	$2,514
Progressive	$1,368	$2,735
Allstate	$1,387	$2,774
Farmers	$1,691	$3,382
USAA	$795	$1,590

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Cheapest car insurance cost in Birmingham by age group

Car insurance rates in Birmingham vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Birmingham by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

Cheapest for teens: Country Financial
Cheapest for young adults: GEICO
Cheapest for adults: Travelers
Cheapest for seniors: Nationwide

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Country Financial offers the cheapest car insurance for teens at $4,167 per year.

GEICO offers the most affordable auto insurance for young adults at $2,795 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Travelers provides the lowest car insurance rates at $1,850 per year for adult drivers in Birmingham.

Nationwide offers the least expensive car insurance for senior drivers in Birmingham, at $1,776 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

Company	Teens	Young adults	Adults	Seniors
Travelers	$5,755	$2,815	$1,850	$1,865
GEICO	$5,322	$2,795	$1,928	$1,875
Nationwide	$9,035	$3,801	$1,933	$1,776
Country Financial	$4,167	$2,951	$2,101	$2,004
Auto-Owners	$6,167	$4,139	$2,569	$2,797
Progressive	$13,293	$4,651	$2,728	$2,287
Allstate	$10,092	$4,125	$2,792	$2,996
Farmers	$14,204	$4,372	$3,211	$3,173
USAA	$4,632	$2,542	$1,641	$1,678

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Cheapest car insurance companies in Birmingham by driver profile

Car insurance rates in Birmingham vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Birmingham by driver profile.

Cheapest for poor credit: Nationwide
Cheapest for an at-fault accident: Travelers
Cheapest for a DUI: Travelers
Cheapest for a driver with a speeding ticket: Travelers

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Birmingham pay about $2,934 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Birmingham.

Company	Average 6 month premium	Average annual premium
Nationwide	$1,467	$2,934
GEICO	$1,498	$2,995
Travelers	$1,503	$3,006
Progressive	$2,277	$4,554
Allstate	$2,299	$4,598
Auto-Owners	$3,547	$7,094
Farmers	$3,570	$7,141
USAA	$1,484	$2,968

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Cheapest auto insurance after an at-fault accident: Travelers

In Birmingham, Travelers offers the cheapest car insurance for drivers with at-fault accident at $2,596 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Birmingham.

company	Average 6 month premium	Average annual premium
Travelers	$1,298	$2,596
Auto-Owners	$1,598	$3,195
Nationwide	$1,617	$3,234
GEICO	$1,724	$3,448
Allstate	$2,185	$4,370
Progressive	$2,286	$4,572
Farmers	$2,860	$5,720
USAA	$1,210	$2,420

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Cheapest auto insurance after a DUI: Travelers

Travelers offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,770 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Birmingham.

Company	Average 6 month premium	Average annual premium
Travelers	$1,385	$2,770
Progressive	$1,644	$3,289
Allstate	$1,869	$3,738
Nationwide	$2,047	$4,094
GEICO	$2,138	$4,276
Auto-Owners	$2,377	$4,755
Farmers	$3,552	$7,104
USAA	$1,694	$3,389

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Cheapest for drivers with a speeding ticket: Travelers

Travelers offers the cheapest car insurance at $2,558 in Birmingham for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

Company	Average 6 month premium	Average annual premium
Travelers	$1,279	$2,558
Nationwide	$1,499	$2,999
Allstate	$1,544	$3,089
Auto-Owners	$1,615	$3,230
Progressive	$1,754	$3,507
GEICO	$1,827	$3,654
Farmers	$2,693	$5,386
USAA	$919	$1,838

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Car insurance discounts for Birmingham drivers

The biggest car insurance discount available in Birmingham is for the Years Insured category at 45%, offered by GEICO.

Car insurance is essential for drivers in Birmingham, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Birmingham drivers and how much you could save on average.

Category	Company	Premium before discount	Premium after discount	% Discount	$ Difference
Air Bags	GEICO	$1,709	$1,642	4%	$67
Anti-Theft Device	GEICO	$1,709	$1,697	1%	$12
Anti-Theft Device	Auto-Owners	$2,227	$2,206	1%	$21
Comp and Coll Deductibles	Travelers	$1,677	$1,499	11%	$178
Comp and Coll Deductibles	GEICO	$1,709	$1,510	12%	$199
Comp and Coll Deductibles	Country Financial	$1,840	$1,682	9%	$158
Comp and Coll Deductibles	Nationwide	$1,963	$1,723	12%	$240
Comp and Coll Deductibles	Auto-Owners	$2,227	$2,088	6%	$140
Comp and Coll Deductibles	Progressive	$2,452	$2,176	11%	$276
Comp and Coll Deductibles	Allstate	$2,524	$2,350	7%	$174
Comp and Coll Deductibles	Farmers	$3,024	$2,773	8%	$251
Daily Commute	Country Financial	$1,840	$1,787	3%	$53
Daily Commute	Auto-Owners	$2,227	$2,083	6%	$144
Days Advanced Purchase	Travelers	$1,677	$1,589	5%	$88
Days Advanced Purchase	Nationwide	$1,963	$1,885	4%	$78
Days Advanced Purchase	Auto-Owners	$2,227	$2,060	8%	$167
Days Advanced Purchase	Allstate	$2,524	$2,370	6%	$154
Days Advanced Purchase	Progressive	$2,452	$2,393	2%	$59
Days Advanced Purchase	Farmers	$3,024	$2,723	10%	$301
Days Per Week Driven	Country Financial	$1,840	$1,787	3%	$53
Education	GEICO	$1,709	$1,580	8%	$129
Education	Progressive	$2,452	$2,378	3%	$74
Electronic Funds Transfer	Travelers	$1,677	$1,643	2%	$33
Electronic Funds Transfer	Nationwide	$1,963	$1,885	4%	$78
Electronic Funds Transfer	Allstate	$2,524	$2,486	1%	$38
Electronic Funds Transfer	Farmers	$3,024	$2,964	2%	$60
Homeowner	GEICO	$1,709	$1,580	8%	$129
Homeowner	Nationwide	$1,963	$1,854	6%	$109
Homeowner	Auto-Owners	$2,227	$2,161	3%	$67
Homeowner	Progressive	$2,452	$2,386	3%	$66
Homeowner	Allstate	$2,524	$2,457	3%	$66
Homeowner	Farmers	$3,024	$2,995	1%	$29
Lower Annual Mileage	GEICO	$1,709	$1,653	3%	$56
Lower Annual Mileage	Progressive	$2,452	$2,358	4%	$94
Loyalty - Years Renewal With Company	Progressive	$2,452	$2,364	4%	$88
Marital Status	GEICO	$1,709	$1,648	4%	$61
Marital Status	Country Financial	$1,840	$1,668	9%	$172
Marital Status	Nationwide	$1,963	$1,756	11%	$206
Marital Status	Progressive	$2,452	$2,075	15%	$377
Marital Status	Allstate	$2,524	$2,501	1%	$23
Marital Status	Farmers	$3,024	$2,852	6%	$172
Multi Policy	Travelers	$1,677	$1,555	7%	$121
Multi Policy	GEICO	$1,709	$1,556	9%	$153
Multi Policy	Country Financial	$1,840	$1,700	8%	$140
Multi Policy	Nationwide	$1,963	$1,880	4%	$83
Multi Policy	Auto-Owners	$2,227	$2,054	8%	$174
Multi Policy	Allstate	$2,524	$2,291	9%	$232
Multi Policy	Progressive	$2,452	$2,323	5%	$129
Multi Policy	Farmers	$3,024	$2,665	12%	$359
Paperless/Electornic Documents	Nationwide	$1,963	$1,885	4%	$78
Paperless/Electornic Documents	Allstate	$2,524	$2,409	5%	$115
Paperless/Electornic Documents	Progressive	$2,452	$2,428	1%	$24
Paperless/Electornic Documents	Farmers	$3,024	$2,928	3%	$96
Payment Type	Travelers	$1,677	$1,593	5%	$84
Payment Type	Country Financial	$1,840	$1,681	9%	$159
Payment Type	Nationwide	$1,963	$1,807	8%	$156
Payment Type	Auto-Owners	$2,227	$1,893	15%	$334
Payment Type	Allstate	$2,524	$2,271	10%	$253
Payment Type	Farmers	$3,024	$2,873	5%	$150
Primary Use	Travelers	$1,677	$1,621	3%	$56
Primary Use	Country Financial	$1,840	$1,716	7%	$123
Primary Use	Nationwide	$1,963	$1,807	8%	$156
Primary Use	Auto-Owners	$2,227	$1,941	13%	$286
Primary Use	Allstate	$2,524	$2,345	7%	$179
Primary Use	Progressive	$2,452	$2,406	2%	$46
Profession	GEICO	$1,709	$1,580	8%	$129
Profession	Country Financial	$1,840	$1,749	5%	$91
Profession	Progressive	$2,452	$2,043	17%	$409
Safety Devices	GEICO	$1,709	$1,670	2%	$39
Safety Devices	Auto-Owners	$2,227	$2,139	4%	$88
Safety Devices	Progressive	$2,452	$2,355	4%	$97
Safety Devices	Allstate	$2,524	$2,506	1%	$18
Telematics	Nationwide	$1,963	$1,765	10%	$198
Telematics	Progressive	$2,452	$2,207	10%	$245
Years Insured	GEICO	$1,709	$933	45%	$777
Years Insured	Travelers	$1,677	$1,469	12%	$208
Years Insured	Nationwide	$1,963	$1,642	16%	$321
Years Insured	Allstate	$2,524	$1,803	29%	$721
Years Insured	Auto-Owners	$2,227	$2,205	1%	$22
Years Insured	Progressive	$2,452	$2,247	8%	$204
Years Insured	Farmers	$3,024	$2,609	14%	$415

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How to get cheap car insurance in Birmingham in 2025

Find affordable car insurance in Birmingham by following these smart strategies:

Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Birmingham.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

40-year-old male driver
Honda Accord LX
12-mile daily commute, 10,000 annual miles
Good credit
Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

$100,000 bodily injury per person
$300,000 bodily injury per accident
$100,000 property damage per accident
$500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.