Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The annual number of car thefts in Birmingham is 1,752.
  • The cheapest car insurance company in Birmingham for teen drivers is USAA
  • The cheapest car insurance company in Birmingham after a DUI is USAA

Average car insurance rates in Birmingham, Alabama are $349 a month. But with a little research you can get a great deal from the top car insurance companies in Birmingham, AL. Before you buy Birmingham, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Birmingham car insurance rates with Montgomery car insurance rates, Decatur car insurance rates, or Mobile car insurance rates to make sure you’re getting the best Birmingham, AL car insurance quotes available.

Need affordable Birmingham, AL car insurance? Enter your ZIP code to compare Birmingham car insurance quotes from multiple car insurance companies near you.

Birmingham, AL Minimum Car Insurance Coverage

Birmingham, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Birmingham, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Birmingham, AL Car Insurance Rates by Coverage Level

Some Birmingham drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Birmingham, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Birmingham, Alabama

Insurance Company Low Medium High
Allstate $3,461 $3,594 $3,746
Farmers $4,315 $4,531 $4,947
GEICO $2,982 $3,229 $3,517
Liberty Mutual $5,629 $5,883 $6,225
Nationwide $2,847 $2,834 $2,895
Progressive $4,815 $5,341 $5,940
State Farm $5,670 $6,003 $6,350
Travelers $3,733 $4,017 $4,067
USAA $2,112 $2,178 $2,278

Birmingham, AL Car Insurance Rates by Age, Gender, and Marital Status

Birmingham, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Birmingham, AL car insurance, get quotes from multiple car insurance companies in the Birmingham area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Birmingham, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,138 $2,030 $1,945 $1,981 $7,672 $8,252 $2,370 $2,414
Farmers $2,594 $2,575 $2,314 $2,467 $10,277 $10,578 $2,938 $3,037
GEICO $2,288 $2,288 $2,185 $2,277 $6,171 $6,064 $2,420 $2,248
Liberty Mutual $3,394 $3,666 $2,776 $3,108 $12,737 $14,166 $3,610 $3,838
Nationwide $1,848 $1,870 $1,684 $1,742 $4,970 $6,395 $2,057 $2,300
Progressive $2,850 $2,659 $2,343 $2,501 $12,124 $13,528 $3,342 $3,576
State Farm $3,613 $3,613 $3,289 $3,289 $11,300 $14,125 $4,092 $4,738
Travelers $1,554 $1,576 $1,467 $1,461 $8,648 $13,675 $1,469 $1,664
USAA $1,356 $1,373 $1,266 $1,236 $4,086 $4,525 $1,767 $1,904

Birmingham, AL Car Insurance Rates for Teens

How much is Birmingham, Alabama car insurance for teens? Compare rates from top Birmingham car insurance companies below to help find the cheapest teen car insurance in Birmingham, AL.

Annual Car Insurance Rates for Teen Drivers in Birmingham, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,672 $8,252
Farmers $10,277 $10,578
GEICO $6,171 $6,064
Liberty Mutual $12,737 $14,166
Nationwide $4,970 $6,395
Progressive $12,124 $13,528
State Farm $11,300 $14,125
Travelers $8,648 $13,675
USAA $4,086 $4,525

Birmingham, AL Car Insurance Rates for Seniors

Before seniors buy Birmingham, Alabama car insurance, they should make sure to shop around. Some Birmingham, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Birmingham, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,945 $1,981
Farmers $2,314 $2,467
GEICO $2,185 $2,277
Liberty Mutual $2,776 $3,108
Nationwide $1,684 $1,742
Progressive $2,343 $2,501
State Farm $3,289 $3,289
Travelers $1,467 $1,461
USAA $1,266 $1,236

Birmingham, AL Car Insurance Rates by Credit History

How does your credit history affect Birmingham, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Birmingham, Alabama

Insurance Company Poor Fair Good
Allstate $4,436 $3,501 $2,863
Farmers $5,147 $4,439 $4,206
GEICO $4,128 $2,941 $2,659
Liberty Mutual $8,462 $5,199 $4,075
Nationwide $3,450 $2,691 $2,434
Progressive $6,027 $5,199 $4,870
State Farm $9,755 $4,927 $3,341
Travelers $4,289 $3,727 $3,801
USAA $2,942 $1,915 $1,710

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Birmingham, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Birmingham, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Birmingham.

Annual Birmingham, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,044 $3,602 $4,301 $3,455
Farmers $3,867 $5,013 $4,891 $4,619
GEICO $2,170 $3,518 $4,396 $2,887
Liberty Mutual $4,630 $6,465 $6,306 $6,246
Nationwide $2,499 $2,499 $3,643 $2,791
Progressive $4,834 $6,115 $5,214 $5,299
State Farm $5,398 $6,752 $5,940 $5,940
Travelers $3,278 $3,438 $5,055 $3,985
USAA $1,682 $2,115 $3,139 $1,820

Birmingham, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Birmingham, AL car insurance rates. Compare rates below to see which Birmingham car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Birmingham, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,301
Farmers $4,891
GEICO $4,396
Liberty Mutual $6,306
Nationwide $3,643
Progressive $5,214
State Farm $5,940
Travelers $5,055
USAA $3,139

Birmingham, AL Car Insurance Rates by ZIP Code

Just like Birmingham car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Birmingham, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Birmingham, Alabama

ZIP Code Average Annual Rates
35203 $4,324
35204 $4,413
35205 $4,311
35206 $4,413
35207 $4,430
35208 $4,422
35209 $4,056
35210 $4,110
35211 $4,399
35212 $4,299
35213 $4,078
35214 $4,494
35215 $4,333
35217 $4,418
35218 $4,543
35221 $4,353
35222 $4,217
35224 $4,379
35226 $4,042
35228 $4,414
35233 $4,255
35234 $4,313
35235 $4,283
35249 $4,422
35254 $4,310
35294 $4,221

Birmingham, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Birmingham, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Birmingham companies based on commute time.

Annual Car Insurance Rates by Commute Length in Birmingham, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,600 $3,600
Farmers $4,597 $4,597
GEICO $3,185 $3,300
Liberty Mutual $5,912 $5,912
Nationwide $2,858 $2,858
Progressive $5,365 $5,365
State Farm $5,861 $6,154
Travelers $3,939 $3,939
USAA $2,089 $2,289

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Birmingham, AL Cheapest Car Insurance Rates

How do the top Birmingham, Alabama car insurance companies’ average rates stack up against the Birmingham average monthly car insurance rates of $349? Take a look and see.

Best Annual Car Insurance Rates by Company in Birmingham, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Birmingham, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Birmingham, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Birmingham, Alabama

Insurance Company Average Annual Rates
Allstate $3,600
Farmers $4,597
GEICO $3,243
Liberty Mutual $5,912
Nationwide $2,858
Progressive $5,365
State Farm $6,007
Travelers $3,939
USAA $2,189

Other Factors Affecting Birmingham, AL Car Insurance Rates

Before you buy Birmingham, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Birmingham, AL Car Theft Rates

The car theft rate in Birmingham, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Birmingham, Alabama is 1,752 stolen cars.

Birmingham, AL Commute Time

How does your Birmingham, AL commute time compare with the average driver? In Birmingham, the average commute is 21.9 minutes.

Birmingham, AL Traffic

Spending time in Birmingham traffic can lead to higher car insurance rates. According to INRIX data, Birmingham, AL ranks as the 149th-most congested with traffic in the world.

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Birmingham, AL Car Insurance Quotes

Compare Birmingham, AL car insurance quotes from multiple companies by entering your ZIP code now.