Table of contents
How much is car insurance in Birmingham?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Birmingham is about $7 a month more expensive than the rest of Alabama.
On the other hand, the expected monthly payments for an auto insurance policy in Birmingham are below the national average. On average, it's about $20 less to insure your vehicle in Birmingham than it is in the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rate for Birmingham residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, teenage drivers can be forced to pay as much as four times more than drivers closer to retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to creep back up a bit once you hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The price for auto insurance in Birmingham, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Birmingham, a driving record with a single accident will usually get you a rate around $76 a month. Similarly, drivers with one ticket will typically pay around $98 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$83|
|15 Years or Older||$57|
In Birmingham, the cheapest vehicles to insure are for the most part trucks and vans.
Car owners can expect to pay an average of around $60 a month for their policy, while drivers with SUVs will usually see rates around $57 to insure each month.
For truck and van drivers, however, their monthly premium totals to about $52.
Your vehicle's age can also affect your monthly bill. Overall, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is more than 5 years old. In Birmingham, however, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally, people who are married will pay slightly less for their car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Birmingham, that difference usually boils down to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Birmingham. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Birmingham, AL
Recent trends in car insurance for Birmingham drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Birmingham had been increasing from 2016-2018, before leveling out in 2019. Car insurance rates rose again recently, reaching a high of $68 in 2021.
How does Birmingham compare to neighboring areas?
Why are car insurance rates in Birmingham different from other areas?
Car insurance companies will take into account a number of factors when they're figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (frequency of local car accidents)
- Off-street parking availability
- Local crime rates
- Number of drivers in the region
- Regional laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Birmingham?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Just punch in your ZIP code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Birmingham.
Birmingham Insurance FAQs
What factors affect car insurance quotes in Birmingham?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Birmingham different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Birmingham?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Birmingham?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Birmingham or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.