Birmingham Auto Insurance Rates, Quotes, Agents & Reviews in AL

Birmingham, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Birmingham, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Birmingham, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Birmingham, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Birmingham, AL with that of other cities in and around Birmingham.

Birmingham Jefferson County Homewood Mountain Brook McDonald Chapel Forestdale
Average Insurance Rates $1,448 $1,460 $1,667 $1,953 $1,374 $1,447

Birmingham, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Birmingham, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Birmingham $1,215 $1,027
Homewood $1,182 $999
Jefferson County $1,324 $1,118
Mountain Brook $1,986 $1,677
Forestdale $1,490 $1,259
Fairfield $1,163 $982
Vestavia Hills $1,263 $1,067
McDonald Chapel $1,207 $1,020

Birmingham, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Birmingham, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,699
20 Years $1,861
30 Years $1,433
40 Years $1,379
50 Years $1,277
60 Years $1,295
70 Years $1,507

Birmingham, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Birmingham, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,462 $434
3 Vehicles $3,692 $652
4 Vehicles $4,923 $869

Savings on 2 Vehicles bundle:$434

Savings on 3 Vehicles bundle:$652

Savings on 4 Vehicles bundle:$869


Birmingham, AL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Birmingham, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Birmingham $1,448 $2,567
Homewood $1,667 $2,956
Jefferson County $1,460 $2,589
Mountain Brook $1,953 $3,463
Forestdale $1,447 $2,566
Fairfield $1,420 $2,518
Vestavia Hills $1,448 $2,567
McDonald Chapel $1,374 $2,436

Birmingham, AL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,242
Excellent (740-799) $1,418
Good (670-739) $1,509
Average (580-669) $1,968
Poor (300-579) $2,362

Birmingham, AL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Caroline Dorris State Farm 2717 7th Ave S Ste 103, Birmingham, 35233-3423 205-322-FARM
Brian Campbell Allstate 2870 Old Rocky Ridge Rd Ste 140, Birmingham, 35243 (205) 824-4714
Eric Stuman Allstate 3430 Independence Dr Ste 100, Homewood, 35209 (205) 877-8696
Stan Faulkner State Farm 1747 Oxmoor Rd, Homewood, 35209-4048 205-870-8400
Lloyd Payne State Farm 2496 Rocky Ridge Rd, Vestavia, 35243-2850 205-978-7378
Hra Risk Services None 3016 7Th Ave S, Birmingham, 35233 None
S.S. Nesbitt & Co., Inc. Liberty Mutual Independent 3500 Blue Lake Drive 3500 Blue Lake Drive Birmingham, Vestavia Hills, 35243 None
Chad Watts Allstate 2534 Rocky Ridge Rd, Vestavia, 35243 (205) 823-9869
Mitch Carbonie Allstate 1221 Edenton St, Birmingham, 35242 (205) 298-1050
Rhonda Evans GEICO 3301 Lorna Road, Suite 2, Birmingham, 35216 205-824-4449
Roger L. Watts Nationwide 3659 Lorna Rd Suite 109, Hoover, 35216-5958 (205) 988-8899
Pardue & Associates Insurance Inc Travelers 6 Office Park Circle 6 Office Park Circle Birmingham, Mountain Brook, 35223 None

Birmingham, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$64 $1,512
Driver's Failure In Showing Documents +$140 $1,588
Driving With An Expired Registration +$149 $1,597
Driving At A Considerably Slow Pace +$314 $1,762
Using A Cellphone While Driving +$332 $1,780
Running A Red Light +$337 $1,785
Speeding +$355 $1,803
Driving A Vehicle Without The Required Permission +$450 $1,898
Driving With An Expired/Suspended License +$976 $2,424

Birmingham, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,390
Active Disabling Device $1,390
Tracking Device $1,361
Passive Disabling Device $1,347

Latest Auto Insurance Reviews in Birmingham, AL | Back to Top

Progressive
They allowed me to fully customize my entire policy, offered more coverage than other companies did, and made it easy to see what I will be paying.
Farmer's Insurance
Our deductible is lower with Farmer's Insurance than with Progressive but the payments seem all around high for an SUV with no special coverage outside of liability.
Allstate
My car insurance also comes from allstate, customer service is always ready and willing to help like when i had an accident afew years ago. I immediately had someone come out to help me.
State Farm
I compared the premium and deductibles with only the previous insurance company and i got a better deal on premium and deductible. This was the main reason i switched.
Farmer's Insurance
they are so good and trustworthy,they consider all people of differnt classes
Progressive
Progressive offers the standard policy offerings, including lots of different options that you select with the click of a mouse. It's easy to see and compare to competitors as well, so overall they have very good offerings.
Progressive
Progressive offers the standard policy offerings, including lots of different options that you select with the click of a mouse. It's easy to see and compare to competitors as well, so overall they have very good offerings.
Liberty Mutual
I feel that my premium is high considering I have been with Liberty Mutual for 20 years and have only filed one minor claim.
Progressive
They give me the best rates for the best coverage in the area. Similar rates are several $100 more a year from other companies.
Safeco Insurance
The premiums seem to cover just the minimum amount of damages and fault. I would like to have more
Progressive
I really like the price that progressive offers and their customer service is exceptional. I have never ever had a bad moment or interaction with them as a whole and would recommend them to others.
Progressive
I like the companies website. They have also been good to me by paying the premium in full I get a pretty hefty discount.