Birmingham, AL Auto Insurance Rates

Birmingham, AL residents can save $610 by comparing multiple quotes & reading reviews & research on Birmingham car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

$966 $1518 $2650

Latest Auto Insurance Reviews in Birmingham, Alabama

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.
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 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 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.
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
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.
I like the companies website. They have also been good to me by paying the premium in full I get a pretty hefty discount.
Write Your Review | Birmingham, Alabama Auto Insurance Analysis
California Casualty, Birmingham, AL
$52/1 month
Car Insurance Policy Holder
  • Single 32 Years old Male licensed 7 years ago with Own Cadillac SRX Premium Turbo AWD used for Business with estimated annual mileage of 7,501 - 9,000.
  • PhD & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 100 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage

Birmingham Car Insurance Rate Comparisons

Birmingham, AL's average car insurance of $1518 differs from McDonald Chapel, AL (+$702), Vestavia Hills, AL (-$139), Cardiff, AL (+$752) and Alabama (+$149)

Birmingham McDonald Chapel, AL Vestavia Hills, AL Cardiff, AL Alabama
Median Insurance Rates $1518 +$702 -$139 +$752 +$149

Birmingham Car Insurance Savings By Neighborhood & Street Area

Birmingham Driver Street Residence & Car Locations Car Details in Birmingham Birmingham Driver Demographics Birmingham Auto Insurance Estimates Recent Birmingham Insurance Savings
Godwin Estates
English Knoll Ln2001 Cadillac DeVille DHS76 year female senior$1982$394
Lyle Dr2006 Buick Rendezvous CX34 year married woman$1218$563
Valley Crest Estates
Killough Springs Rd2005 Acura TSX Base16 year teenager$4332$986
11th St NW2007 Ford Fusion V6 SEL17 year male teenager$4081$388
Grove Park
Stuart St2007 Jeep Grand Cherokee Limited64 year male senior$1622$949
Peerless Ave2008 Audi A4 2.0T quattro25 year woman$1653$371
Lancaster Rd2011 Hyundai Sonata GLS78 year senior$1741$582
18th Pl S2010 Lincoln MKZ Base42 year man$2197$495
South Vestavia Hills
Pizitz Dr2005 Chevrolet Silverado 2500HD LS41 year married man$2063$851
Vestridge Cir2006 Chrysler 300 C19 year female teenager$3781$388

Birmingham Post DUI Car Insurance Rates

Birmingham Homewood Mountain Brook McDonald Chapel Alabama
Median Post DUI Insurance Rate $2823 +$1492 -$337 +$1306 +$277
Male Teenager Post DUI Insurance Rate $8498 +$4490 -$1014 +$3930 +$833
Female Teenager Post DUI Insurance Rate $7707 +$4072 -$918 +$3564 +$756

The Post DUI insurance in Birmingham, AL's is $2823 compared to Homewood (+$1492), Mountain Brook (-$337), McDonald Chapel (+$1306) and Alabama (+$277)

In Birmingham, a male teenager with Post DUI pays $791 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2005 Acura TSX Base in Birmingham, AL would pay $8570 on auto insurance while a female teenager POST DUI would pay $7772.

Birmingham Car Insurance by Segment

Birmingham Teenagers Car Insurance Rates Comparison

30898 Birmingham Teenagers (6% of total population), 50% Male & 50% Female.

Birmingham Minor Fultondale Lipscomb Alabama
All Teenagers $4295 +$1789 -$260 +$2214 +$422
Male Teenager $4569 +$1902 -$277 +$2354 +$448
Female Teenager $4144 +$1725 -$252 +$2135 +$406

Birmingham teenagers pay $4295 in insurance in contrast with Minor (+$1789), Fultondale (-$260), Lipscomb (+$2214) and Alabama (+$422). The difference between Male & Female teenagers in Birmingham is $425


  • 2013 Honda Civic U.S. LX Male Teenager Insurance Rate $3952
  • 2012 Dodge Journey SXT Female Teenager Insurance Rate $4089

Birmingham Men & Women Car Insurance

456221 Birmingham Adults (100% of total population), 47% Men & 53% Women.

Birmingham Midfield Adamsville Vestavia Hills Alabama
All Women $1442 +$714 -$82 -$132 +$141
Married Women $1335 +$662 -$75 -$122 +$131
All Men $2185 +$1083 -$123 -$200 +$215
Married Men $2155 +$1068 -$122 -$197 +$212

The typical insurance rate of $2185 that Birmingham Men pay varies from Midfield (+$1083), Adamsville (-$123), Vestavia Hills (-$200) and Alabama (+$215). In Birmingham, married men pay $820 more than married women.


  • 2014 Kia Sorento LX Married Men Insurance Rate $1989
  • 2014 Toyota Prius Three Married Women Insurance Rate $1935

Birmingham Senior Car Insurance

85050 Birmingham Seniors (18% of total population), 40% Senior Men & 60% Senior Women.

Birmingham Minor Mountain Brook Homewood Alabama
All Seniors $1836 +$765 -$219 +$971 +$181
Senior Men $1958 +$815 -$234 +$1034 +$192
Senior Women $1715 +$714 -$205 +$906 +$168

Birmingham seniors pay $1836 in insurance compared to Minor (+$765), Mountain Brook (-$219), Homewood (+$971) and Alabama (+$181). In Birmingham, senior men pay $243 more than senior women.

Birmingham Car Insurance Discounts for Multiple Vehicles

Birmingham Population with 1 Vehicle 72548 (40% of Birmingham population), 2 Vehicles 60721 (33% of the Birmingham population) and 3 vehicles 21909 (12% of the population)

Birmingham Forestdale Fairfield Minor Alabama
2 Vehicles $2885 +$250 +$57 +$1200 +$283
3 Vehicles $4403 +$382 +$87 +$1832 +$432
4 Vehicles $5921 +$514 +$117 +$2464 +$581

Car Insurance Agents in Birmingham, AL

Rank Agent Name Agent Contact
1 Alabama General Insurance Agency 4637 Avenue V, Birmingham, AL 35208
2 Alabama Insurance Agency 2710 20th St S Ste B, Birmingham, AL 35209
3 Alabama Insurance Agency 2107 5th Ave N. Suite 401 H, Birmingham, AL 35203
4 Alabama Insurance Agency 1100 Corporate Dr Ste 100, Birmingham, AL 35242
5 Alabama Insurance Agency 3499 Independence Dr Ste 102, Birmingham, AL 35209
6 Alasure 413 Reverend Abraham Woods Jr Blvd, Birmingham, AL 35204
7 Alberto Neto 100 Olde Towne Rd Ste 200, Birmingham, AL 35216
8 Alexander Insurance Agency 2 20th St N Ste 820, Birmingham, AL 35203
9 Alfa Insurance 453 Huffman Rd, Birmingham, AL 35215
10 Alfa Insurance 2960 Columbiana Rd, Birmingham, AL 35216

Birmingham Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Kia, Sorento EX $700 $1700 $2200 $1590 $2290 $-90
Nissan, Murano SV $1000 $1550 $2050 $1450 $2450 $-400
Ford, Expedition King Ranch $400 $1590 $1990 $1500 $1900 $90
Chevrolet, Corvette $500 $1630 $2130 $1560 $2060 $70
Chrysler, 200 Limited $100 $1580 $1680 $1480 $1580 $100