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If you're looking for the best and cheapest car insurance in Birmingham, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Birmingham and prepared this guide for you.

The average cost of auto insurance in Birmingham for full coverage is $1,600 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Birmingham. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Birmingham

According to a study by Insurance.com, the cheapest car insurance companies in Birmingham for 2023 are Nationwide and USAA.

Nationwide is the cheapest option for most Birmingham drivers, with an average annual rate of $1,013.

Car insurance cost may vary in Birmingham based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Birmingham

CompaniesAverage Annual Rates
Nationwide$1,013
USAA$1,191
Geico$1,236
Travelers$1,459
Allstate$1,590
Auto-Owners$1,776
State Farm$1,948
Farmers$2,042
Progressive$2,148

Cheapest car insurance cost in Birmingham by Age Group

The cheapest auto insurance company in Birmingham for teen drivers is USAA. For full coverage, its average annual rate for Birmingham drivers is $3,408. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Birmingham at about $1,815 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Birmingham is the Nationwide. Its average rate for a full coverage car insurance policy is $1,033 per year.

If you are a senior driver in Birmingham and looking for a cheap car insurance company, then consider buying insurance from the Nationwide. It is the cheapest auto insurance company for senior drivers with an average premium of $975 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,617$1,677$5,468$2,346
Auto-Owners$1,838$1,894$6,199$3,368
Farmers$2,031$2,112$9,819$2,924
Geico$1,251$1,207$3,540$1,815
Nationwide$1,033$975$4,106$1,822
Progressive$2,235$2,269$12,085$4,022
State Farm$2,011$1,882$6,391$3,584
Travelers$1,517$1,508$5,162$2,410
USAA$1,245$1,234$3,408$1,886

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.

To find the cheapest car insurance company in Birmingham, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Birmingham based on driver profile.

Cheapest for a driver with poor credit: Nationwide

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Birmingham drivers at about $1,527 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Nationwide$1,527
Geico$1,741
USAA$2,190
Travelers$2,294
Allstate$2,603
Progressive$3,608
Farmers$3,821
Auto-Owners$5,045
State Farm$6,625

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Birmingham. It offers full coverage car insurance for drivers age 30 at about $1,283 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
Nationwide$1,283
USAA$1,379
Allstate$1,764
Travelers$1,827
Geico$1,918
Auto-Owners$2,063
State Farm$2,226
Progressive$2,751
Farmers$3,110

Cheapest auto insurance after an at-fault accident: Nationwide

Nationwide is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Birmingham is $1,668. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
Nationwide$1,668
USAA$1,817
Travelers$1,937
Geico$1,950
Auto-Owners$2,311
State Farm$2,485
Allstate$2,504
Farmers$3,395
Progressive$3,638

Cheapest auto insurance after a DUI: Travelers

Travelers is the carrier that offers cheap auto insurance rates in Birmingham for drivers after a DUI. Its average annual rate for full coverage is $2,070.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
Travelers$2,070
Nationwide$2,091
Allstate$2,146
State Farm$2,226
Geico$2,456
USAA$2,500
Progressive$2,591
Farmers$3,258
Auto-Owners$3,512

Average car insurance cost in Birmingham

The average car insurance rate in Birmingham for full coverage is $1,600 per year or $133 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Birmingham is $444 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,600$444

Methodology

Insurance.com commissioned 2022 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 2022.

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. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Alabama

Anniston
$1,383/year
Cropwell
$1,408/year
Florence
$1,325/year
Groveoak
$1,368/year
La Fayette
$1,416/year
Mobile
$1,539/year

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