Compare the Cheapest Car Insurance Quotes in Birmingham, AL

In Birmingham, GEICO has the most low-cost average cable car indemnity at $ 827 annually, with an average annual state minimum liability agio of $ 375. Drivers with a speeding ticket should consider Allstate for its coverage at $ 945 per year on modal. For military families, USAA is another less expensive option, specially in certain instances. Auto-Owners Insurance Co is MoneyGeek ’ second choice for the best car policy company in the city, balancing both monetary value and customer service .iconribbon best car insurance Birmingham

2022

The Cheapest and Best Car Insurance in Birmingham

The Cheapest Car Insurance Companies in Birmingham

For most drivers, the insurers offering the cheapest wax coverage cable car insurance in Birmingham are :

  • GEICO: $827 per year
  • Allstate: $846 per year

Veterans and current military personnel and their families will find USAA cable car policy an tied more low-cost option with an average annual premium of $ 677. At $ 827 a year, GEICO is the cheapest indemnity caller for most drivers in Birmingham, while Nationwide, at $ 1,814, is the most expensive. The difference between the annual premiums is 119 % or $ 987. Full coverage insurance includes comprehensive examination and collision coverage. Your premium depends on your driver visibility and the liability limits you choose .

Cheapest Car Insurance in Birmingham

Full Coverage 100/300/100 In our psychoanalysis, MoneyGeek used the average annual premiums for a 40-year-old male driver carrying a wax coverage policy, as explained in our methodology. Comprehensive and collision coverage costs more than an policy policy with only liability coverage. The benefit of full coverage car policy is that it gives you extra security in the event of an accident by helping cover the costs of any damage to your car .

  • Collision Insurance: This pays to fix damage to your car if you hit another vehicle or a stationary object.
  • Comprehensive Insurance: This pays car repair expenses and losses from non-collision damage, such as theft, fire, or damage from adverse weather events.

If you own an older car, you may wish to consider getting state of matter minimum or liability-only indemnity. That ’ sulfur because the premiums for full coverage car indemnity may add up to be more than the substitution monetary value of your fomite .

Compare Car Insurance Rates in Birmingham

guarantee you ‘re getting the best rate for your car insurance. Compare quotes from the top indemnity companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Birmingham for Minimum Coverage

The amount of coverage you choose will affect the price of your car insurance bounty in Birmingham and elsewhere. A state of matter minimal liability-only policy costs $ 613 on median. Adding approximately $ 608 will get you a full coverage policy, which has an median rate of $ 1,221 per year .

Cheapest Minimum Liability Car Insurance in Birmingham

state Minimum

  • company State Minimum

    per year

  • 1 .USAA

    $304

  • 2 .GEICO

    $375

  • 3 .Country Financial

    $494

  • 4 .Allstate

    $498

  • 5 .Travelers

    $562

  • 6 .State Farm

    $604

  • 7 .Progressive

    $627

  • 8 .Farmers

    $657

  • 9. ALFA

    $671

  • 10 .Nationwide

    $671

  • 11 .MetLife

    $971

In Alabama, drivers must have 25/50/25 minimal indebtedness policy. This is Birmingham ‘s cheapest car indemnity ; however, while your monthly premium may be lower, your cash spending may be much higher in the event of an accident. For example, if you are in an at-fault accident, and the other driver ’ s medical bills sum $ 50,000, your insurance company will alone pay up to $ 25,000. You ‘ll be responsible for the remaining $ 25,000 in checkup expenses .

Alabama Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective grade is 100/300/100 .

Cheapest Car Insurance in Birmingham if You Have Driving Violations

If you ’ re involved in an at-fault accident or get a speed ticket or DUI, you may see your premiums go up. Based on your specific violation, the follow policy providers are, on average, the most low-cost in Birmingham :

  • Cheapest after a ticket: Allstate, $945 per year
  • Cheapest after an at-fault accident: Allstate, $1,181 per year
  • Cheapest after a DUI: Allstate, $1,150 per year

Whatever your dealings violations, the best course of military action is to improve your record over clock time to reduce your premiums. In the interim, however, look around for the best bum car indemnity for drivers with bad records. Compare quotes with as many indemnity companies as possible to get the most low-cost pace .

Cheapest Car Insurance in Birmingham With a Violation

Speeding slate

  • company Speeding Ticket

    per year

  • 1 .USAA

    $752

  • 2 .Allstate

    $945

  • 3 .GEICO

    $986

  • 4 .Country Financial

    $1,253

  • 5 .State Farm

    $1,345

  • 6 .Travelers

    $1,445

  • 7 .Farmers

    $1,492

  • 8. ALFA

    $1,605

  • 9 .Progressive

    $1,729

  • 10 .Nationwide

    $1,922

  • 11 .MetLife

    $2,108

Average Cost of Car Insurance in Birmingham

Birmingham

$1,221

Alabama

$1,221

U.S.

$1,424

The average annual cost of car insurance in Birmingham is $ 1,221. This rate is the like as the submit average, but less than the U.S. average of $ 1,424. When compared with the national median, Birmingham ’ mho annual rate is 14.3 % less.

Personalized Quotes to Get You the Cheapest Car Insurance in Birmingham

To determine car insurance quotes in Birmingham, providers assess multiple factors including age, sex, miles drive per year, drive read and more. For example, a provider ’ s policy for 18-year-old drivers can be more than double the cost for 40-year-old drivers. You should get a quotation at regular intervals to check if you qualify for rebates, discounts or other savings as your circumstances change .

Compare Car Insurance Rates in Birmingham

guarantee you ‘re getting the best rate for your cable car insurance. Compare quotes from the top policy companies. widget-location-pin

The Best Car Insurance Companies in Birmingham

MoneyGeek recommended the best car insurance companies in Birmingham based on a balance of affordability and choice of service. The top companies for most drivers are :

  • Auto-Owners Insurance Co: MoneyGeek score of 93 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

USAA received the highest score on MoneyGeek ‘s rat system, with 95 out of 100. however, because USAA is only available to current military members, veterans and their families, we did not list the insurance company as best overall. We calculate the scores based on respective factors, including customer satisfaction, affordability and fiscal stability ratings, and use unlike resources to do then, such as consumer intelligence company J.D. Power .
1

USAA

mark :

95

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 2

Auto-Owners Insurance Co

sexual conquest :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 3

ALFA

score :

87.5

4/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A fiscal Stability

4

GEICO

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy 5

State Farm

score :

82.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 6

Nationwide

score :

80

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7

Travelers

grade :

80

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 8

Progressive

mark :

77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 9

Safeco

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 10

Allstate

seduce :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 11

Liberty Mutual

score :

75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 12

MetLife

score :

75

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 13

National General

mark :

72.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy

Average Cost of Car Insurance by Postal Code

cable car indemnity providers besides consider your ZIP code while calculating your premium. Areas that have higher numbers of accidents, car thefts, etc. are more expensive. In Birmingham, the 35215 area has an average annual premium of $ 1,247. It may be considered more bad — as residents in this vicinity pay about $ 52 more per year for their car insurance coverage — compared to the most low-cost ZIP code for car insurance, the 35242 neighborhood .

  • Zip Code State Minimum

    per year

  • 35242

    $1,195

  • 35215

    $1,247

Factors That Impact Insurance Costs in Birmingham

In addition to individual driver needs and history, location-specific factors like the rate of fateful accidents and the share of uninsured motorists besides contribute to car insurance rates in Birmingham. How Birmingham ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .accident2 icon Most Accidents With Fatalities

3rd

/ 300handcuffs2 icon Most car Thefts

186th

/ 300uninsured icon Most uninsured Motorists by State

6th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

24th

/ 300umbrella icon Most showery Days

82nd

/ 300

Methodology and Assumptions

MoneyGeek ’ mho average premium rates for Birmingham are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage character, localization and drive record. Learn more about MoneyGeek ’ s data and methodology hera. About the author

expert-profileexpert-profile Mark Fitzpatrick is a elder capacity director with MoneyGeek specializing in policy. Mark has years of feel analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a dominate of Arts .

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