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How much is car insurance in Birmingham?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Alabama are about $8 a month cheaper than the rates drivers pay in Birmingham.
However, the expected monthly payments for an auto insurance policy in Birmingham are below the national average. The average monthly payment in Birmingham is about $20 less than the rate for the rest of the United States.
These may be the average auto insurance rates for Birmingham, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, 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 Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $43 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates climb back up in Birmingham.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Birmingham, where women pay around $4 less per month. As you can see in the table above, male drivers in the area typically pay $63 on average, while female drivers typically pay $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Birmingham with one accident will pay around $77 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $79.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$57|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Birmingham, with drivers paying around $53 per month to insure their vehicle.
SUV drivers will see rates of about $58 to insure their car, while car owners typically pay around $63 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Birmingham, vehicles less than one year old are the most expensive to insure.
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)||$63|
Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Birmingham is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Birmingham. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Birmingham, AL
Recent trends in car insurance for Birmingham drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for auto insurance in Birmingham went up from 2017-2018, before steadying out in 2019. Insurance rates increased again, hitting a high of $68 in 2021, and finished down at $63 in 2022.
How does Birmingham compare to neighboring areas?
Why are car insurance rates in Birmingham different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of car accidents
- Number of drivers in the region
- Off-street parking accessibility
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Birmingham.
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Birmingham Insurance FAQs
What factors affect car insurance quotes in Birmingham?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Birmingham different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Birmingham?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Birmingham?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Birmingham or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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