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
| Companies | Average 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.
| Companies | Adults | Seniors | Teens | Young 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
- Cheapest for a driver with a speeding ticket: Nationwide
- Cheapest for accident: Nationwide
- Cheapest for DUI: Travelers
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.
| Companies | Average 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.
| Companies | Average 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.
| Companies | Average 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.
| Companies | Average 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 Rates | State 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.
