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Car insurance coverage in Birmingham costs an average of $1,640 annually for full coverage. That's $193 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Birmingham, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Birmingham provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Birmingham

United Svcs Automobile Assn is the cheapest car insurance company in Birmingham with an average cost of $887 per year, based on insurance.com's rate analysis. While Nationwide is second in terms of the cheapest car insurance companies in Birmingham. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Svcs Automobile Assn$887
Nationwide P&C Ins Co$987
GEICO Casualty Co$1,106
Standard Fire Ins Co$1,236
Allstate P&C Ins Co$1,503
Auto-Owners Ins Co$1,794
Progressive Specialty Ins Co$1,896
State Farm Mutl Automobile Ins$2,053
Metropolitan P&C Ins Co$2,137
Mid-Century Ins Co$2,797

Cheapest car insurance cost in Birmingham by age group

Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,299 a year or $108 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $1,303 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Cas Co offers the cheapest car insurance for young adults in Birmingham at about $1,709 a year. While Geico Cas Co is the cheapest insurance provider for teen drivers for full coverage at an average of $3,671 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Cas Co$1,299$1,303$3,671$1,709
Nationwide Mut Fire Ins Co$1,592$1,459$5,471$2,893
Progressive Specialty Ins Co$1,722$1,487$9,811$2,939
Allstate Prop & Cas Ins Co$1,848$1,861$6,667$2,567
State Farm Mut Auto Ins Co$2,140$2,037$5,947$3,547
Mid Century Ins Co$2,507$2,346$11,028$3,603

Cheapest car insurance companies in Birmingham by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Birmingham no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Geico
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: Nationwide
  • Cheapest for DUI: Nationwide

Cheapest for a driver with poor credit: Geico

Geico is the cheapest car insurance company for a driver with poor credit in Birmingham. Its average annual rate is $2,154 or $180 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAverage Annual Rates
Geico$2,154
Nationwide$2,207
United$2,607
Standard Fire Ins Co$2,888
Allstate$3,112
Progressive$5,088
Mid-Century Ins Co$5,167
Auto-Owners Ins Co$6,734
State Farm$8,510
Metropolitan$8,732

Cheapest auto insurance for drivers with a speeding ticket: United

United is the cheapest auto insurance company for a driver with a speeding ticket in Birmingham. Its average annual premium is $1,705 annually or $142 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAverage Annual Rates
United$1,705
Nationwide$2,009
Allstate$2,148
Standard Fire Ins Co$2,338
Geico$2,457
State Farm$2,841
Auto-Owners Ins Co$2,892
Progressive$3,639
Mid-Century Ins Co$4,111
Metropolitan$6,464

Cheapest auto insurance after an at-fault accident: Nationwide

Nationwide offers the cheapest car insurance rates for a driver with an accident record in Birmingham at about $2,068 per year. Apart from Nationwide, United, Geico, and Standard Fire are other cheap insurance companies on our list.

CompanyAverage Annual Rates
Nationwide$2,068
United$2,133
Geico$2,290
Standard Fire Ins Co$2,448
Allstate$3,086
Auto-Owners Ins Co$3,113
State Farm$3,190
Progressive$4,412
Mid-Century Ins Co$4,431
Metropolitan$6,091

Cheapest auto insurance after a DUI: Nationwide

Nationwide is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,524 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAverage Annual Rates
Nationwide$2,524
Standard Fire Ins Co$2,547
Allstate$2,636
State Farm$2,841
Geico$2,845
United$2,958
Progressive$3,499
Mid-Century Ins Co$4,288
Auto-Owners Ins Co$4,817
Metropolitan$9,161

Average car insurance cost in Birmingham

The average car insurance rate in Birmingham is $1,640 a year for a full coverage policy of 100/300/100 for a driver age 30, $193 more than the national average of $1,447.

The average annual premium in Birmingham for minimum coverage is $494 a year or $41 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,640$494