Home Car insurance Average car insurance cost Car insurance rates by state Alabama Birmingham, AL Average car insurance cost in Birmingham, AL Car insurance rates in Birmingham, Alabama are $2,040 per year. At $1,340 per year, Nationwide offers the cheapest rates in Birmingham View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average car insurance cost in Birmingham, Alabama is $2,040 per year, according to Insure.com data analysis. Also, the car insurance rates in Birmingham is $180 more than the average rates in Alabama and $145 more than the national average.City average ratesState average ratesNational average cost$2,040$1,860$1,895 Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.This article provides details on the most and least expensive car insurance companies in Birmingham, the average car insurance rates categorized by age and gender, and the cost of car insurance in Birmingham based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Birmingham. Read on to learn more.Key TakeawaysCar insurance costs $2,040 per year, on average, in Birmingham.Nationwide offers the cheapest car insurance in Birmingham, at an average of $1,340 per year.Young adults pay $3,145 per year for car insurance in Birmingham.Cheap car insurance companies in BirminghamAt an average of $1,340 per year with full coverage limits of 100/300/100, Nationwide provides the most affordable car insurance in Birmingham.Ranked as the second most affordable company in Birmingham, Travelers provides car insurance at $1,556 per year.As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Birmingham that align with your needs before selecting a policy.The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Birmingham, Alabama:Company NameAverage annual costAverage monthly costNationwide$1,340$112Travelers$1,556$130Geico$1,826$152Country Financial$1,899$158State Farm$2,117$176Auto Owners$2,251$188Allstate$2,295$191Progressive$2,728$227Farmers$2,937$245USAA$1,489$124Read about the best car insurance companies.Average car insurance cost in Birmingham by coverage limitsThe average car insurance rates in Birmingham by coverage type are as follows:State minimum coverage: $513 per year (limits of 25/50/25)Liability-only coverage: $754 per year (limits of 50/100/50)Full coverage: $2,040 per year (limits of 100/300/100)Non-owners coverage: $411 per yearIn many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.Average car insurance rates by gender in BirminghamThe average car insurance per year for female drivers in Birmingham, Alabama, is $2,065.Whereas the yearly average car insurance rate for male drivers is $2,016, which is $49 less than what female drivers pay.According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.Read more on how gender affects car insurance rates.Average car insurance rates by age in BirminghamIn Birmingham, teenagers have the highest car insurance rates, at $6,895 per year or $575 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.Young adults, pay an average of $3,145 annually for car insurance, which is $3,750 less than what the teens pay for their insurance policy.Meanwhile, adult, and senior drivers in Birmingham have car insurance rates of $2,039 and $2,068 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.Read more on auto insurance for seniors.The table below shows the average annual rates for drivers of different age groups:Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$6,895$3,145$2,039$2,068Car insurance rate trends in BirminghamExamining the trends in car insurance rates in Birmingham, Alabama, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 21% or $353.The table below illustrates the trend over the three years:2016 rates2019 rates2022 rates2023 rates$1,484$1,881$1,687$2,040ConclusionIn conclusion, the insurance rates in Birmingham, are higher than the average insurance cost in Alabama. Shopping around and taking advantage of available discounts, drivers in Birmingham can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.SourcesInsurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesHuntsvilleMobileMontgomeryTuscaloosaPrachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in BirminghamAverage car insurance cost in Birmingham by coverage limitsAverage car insurance rates by gender in BirminghamAverage car insurance rates by age in BirminghamCar insurance rate trends in BirminghamConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates