What Makes Car Insurance Expensive in Birmingham, AL

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The average cost of auto insurance in Birmingham, AL, is $1,448. This is lower than the cost of auto insurance in neighboring places such as Homewood, Mountain Brook, McDonald Chapel, and Jefferson County. A thorough comparison of multiple auto insurance quotes can help car owners in improving their savings. The cost of auto insurance is dependent on numerous factors ranging from the make and model of the car to the neighborhood one lives in. Auto insurance companies also provide numerous discounts to car owners.

what_makes_car_insurance_expensive_in_birmingham_al

Car Insurance requirements:

        $25,000 bodily injury per person per accident.

        $25,000 property damage liability.

DUI:

According to the CDC, 3,190 people were killed in crashes involving a drunk driver in Alabama. 1.7 percent of adults in Alabama report driving after drinking too much. DUI can have a massive impact on the cost of auto insurance for car owners in Birmingham. The cost of auto insurance in Birmingham can go up from $1,448 to $2,567. DUI can have a lasting effect on the cost of auto insurance for car owners here. 

Driving Record:

The driving record of the car owner determines the cost of auto insurance. If the driver has a spotless driving record, it would be easier to get a cheaper insurance quote. Major driving violations can have a lasting impact on the cost of auto insurance. A safe driver will almost always find auto insurance to be cheaper. This is mainly because the amount of risk being covered by the auto insurance company is also low. On the other hand, a driving record with numerous violations can increase the cost of auto insurance. For instance, if one is caught driving with an expired license, the cost of auto insurance can go up to $2,424.

Credit Score:

Having a poor or average credit score can also make auto insurance very expensive for car owners in Birmingham. The cost of auto insurance for a car owner with an exceptional credit score is $1,242, while it can go up to $2,362 if the credit score is “poor”. 

Deductibles:

Deductibles are one of the most common factors affecting the cost of auto insurance in the country. Paying a high deductible most often than not reduces the cost of auto insurance in Birmingham. For example, the cost of auto insurance while paying a low deductible, say $500, is $1,215. This goes down to $1,027 when the deductible is higher, say $1,000.