Finding Car Insurance in Birminigham, AL
When it comes to car insurance in Birmingham, comparing quotes and finding the best policy rates is essential. Instead of spending hours calling different insurers or approaching agents individually, InsuranceQuotes.com offers a hassle-free solution. This reliable platform allows individuals to compare different car insurance quotes from both local and national insurance providers all in one place. By using this service, can residents of Birmingham save time and effort while ensuring they are getting the cheapest car insurance policy rates available. Stay protected and get the best deal by utilizing InsuranceQuotes.com today!
How much should you expect to pay on average for car insurance in Birmingham?
Average Birmingham Car Insurance Rates:
- State Minimum Liability: You can expect to pay {$67 a month or $805 a year.
- Full Coverage: You can expect to pay $240 a month or $2,874 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Birmingham – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who are the Cheapest Car Insurance Providers in Birmingham?
- In Birmingham on average the cheapest auto insurance providers are Progressive, USAA and GEICO.
- State minimum liability car insurance starts at $38 a month or $457 a year.
- Full coverage car insurance costs around $139 a month or $1,673 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in Birmingham from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Progressive | $457 | $38 | $1,673 | $139 |
| USAA | $535 | $45 | $2,176 | $181 |
| GEICO | $654 | $54 | $2,475 | $206 |
| Allstate | $721 | $60 | $2,450 | $204 |
| State Farm | $935 | $78 | $3,110 | $259 |
Auto Policy Costs by Vehicle Type
| Alabama | Average Annual Premium: | Min | Max | Monthly Avg: |
|---|---|---|---|---|
| Car | $1,908 | $1,644 | $2,360 | $159 |
| SUV | $1,859 | $1,606 | $2,283 | $155 |
| EV / Electric | $2,122 | $1,834 | $2,609 | $177 |
| Luxury | $2,714 | $2,355 | $3,281 | $226 |
| Truck | $2,268 | $1,969 | $2,787 | $189 |
How Much Car Insurance Do I Need in Alabama?
With a mix of large cities and rural charm, Alabama is a melting pot of cultures and personalities. This is no more apparent than it is on the roads, as drivers of all types battle traffic together. In Alabama, you must have auto insurance according to the Alabama Liability Insurance Law (32-7A). If you drive a registered vehicle in Alabama, you must have insurance that meets the law’s minimum requirements. The Alabama minimum requirements are as follows:
- $25,000 for injury/death to one person
- $50,000 for injury/death to more than one person
- $25,000 for damage to property
If you’re caught on the road without insurance, you’ll potentially receive fines and a license suspension. The most common way you can prove that you have a policy is with an insurance card. A valid insurance card includes the policy’s effective date, the insurer’s National Association of Insurance Commissioners number, the vehicle identity number, and the policy number.
Alabama Car Insurance Rates by Age
| Auto Insurance Costs by Age: | Male | Female | Average Monthly Payment: |
|---|---|---|---|
| Age: 16 - 20 | $4,122 | $3,763 | $329 |
| Age: 21 - 30 | $2,091 | $2,021 | $171 |
| Age: 30 - 40 | $1,679 | $1,712 | $141 |
| Age: 40 - 50 | $1,620 | $1,644 | $136 |
| Age: 50 - 64 | $1,597 | $1,591 | $133 |
| Age: 65+ | $2,035 | $1,896 | $164 |
Insurance Costs for Newer Vehicles by City
As mentioned newer vehicles can often be more expensive to insure in Alabama as the cost to replace them after an accident can be significantly more of a risk for your insurance provider. However, in some cases you may find that a newer vehicle that has upgraded safety and security features can be cheaper to insure than an older model vehicle from 5 years ago. Here is a breakdown of costs found on vehicles types:
| AL City | Annual Premium | Avg. Monthly Costs | Luxury | EV / Electric | SUV | Truck | Car /Sedan | |
|---|---|---|---|---|---|---|---|---|
| Abbeville | $2,097 | $175 | $2,715 | $1,928 | $1,700 | $2,251 | $1,889 | |
| Adamsville | $2,631 | $219 | $3,365 | $2,446 | $2,139 | $2,826 | $2,378 | |
| Adger | $2,478 | $207 | $3,177 | $2,294 | $2,012 | $2,667 | $2,242 | |
| Akron | $2,350 | $196 | $3,104 | $2,147 | $1,878 | $2,518 | $2,105 | |
| Alabaster | $2,429 | $202 | $3,077 | $2,269 | $1,984 | $2,615 | $2,200 | |
| Albertville | $2,293 | $191 | $2,933 | $2,126 | $1,865 | $2,465 | $2,077 | |
| Alexander City | $2,154 | $179 | $2,805 | $1,977 | $1,738 | $2,309 | $1,940 | |
| Alexandria | $2,285 | $190 | $2,924 | $2,119 | $1,856 | $2,454 | $2,069 | |
| Alpine | $2,314 | $193 | $3,006 | $2,131 | $1,866 | $2,485 | $2,083 | |
| Andalusia | $2,088 | $174 | $2,774 | $1,897 | $1,665 | $2,239 | $1,866 |
How to Save Money on Your Auto Insurance
Although a car insurance plan that fits your needs is important, you should also consider options that work with your budget. Some companies charge very different rates for similar plans. You should get quotes from at least three insurers in your area to find the best rate. Some other money saving tips include:
- Insuring multiple cars on one plan
- Getting good grades (students that maintain a B average or higher qualify for a discount)
- Completing a defensive driving course
- Having a car that passes vehicle safety inspections
You can also raise your deductible to save a bit of overall cost. Higher deductibles result in lower monthly payments. If your car is old, you should fix minor damage yourself and let your insurer take care of the more expensive issues.
