Average car insurance cost in Birmingham
Full coverage car insurance in Birmingham costs an average of $2,306 per year, or $192 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $601 annually, but it provides less financial protection because it does not cover damage to your vehicle.
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 the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can 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 |
Cheapest car insurance companies in Birmingham
Travelers is the cheapest car insurance company in Birmingham, with an average full coverage rate of $1,814 per year. Nationwide is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, 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 |
Cheapest car insurance cost in Birmingham by age group
The cheapest car insurance company in Birmingham varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Country Financial is cheapest for teens, GEICO for young adults, Travelers for adults, and Nationwide for seniors in our rate analysis.
Take a look at the cheapest companies in Birmingham by age group:
- 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 the 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 |
Cheapest car insurance companies in Birmingham by driver profile
The cheapest car insurance company in Birmingham depends on the driver's record and credit profile. Travelers is cheapest after an at-fault accident, Travelers after a DUI, and Travelers after a speeding ticket. Comparing insurers is especially important after a violation.
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
Drivers with poor credit in Birmingham can find the lowest average car insurance rate from Nationwide at $2,934 per year.
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 |
Cheapest auto insurance after an at-fault accident: Travelers
After an at-fault accident, Travelers has the cheapest average car insurance in Birmingham at $2,596 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
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 |
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 |
Cheapest for drivers with a speeding ticket: Travelers
Travelers offers the cheapest car insurance at $2,558 in Birmingham for drivers with a 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 that offer affordable auto insurance for drivers with a 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 |
Car insurance discounts for Birmingham drivers
The largest available car insurance discount in Birmingham is Years Insured, which provides average savings of 45% through GEICO. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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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 |
How to get cheap car insurance in Birmingham in 2026
To find cheap car insurance in Birmingham in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
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. 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
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.
FAQ: Cheap Car Insurance in Birmingham
How much does car insurance cost in Birmingham?
Car insurance costs an average of $2,306 per year or about $192 per month for full coverage in Birmingham. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in AL?
No, you don't legally need full coverage in AL, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Birmingham?
You can reduce your car insurance costs in Birmingham by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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