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.
Difference between the cheapest and most expensive car insurance policies in Birmingham, Alabama, is as high as $6,153
A recent survey of half-yearly car insurance premium rates for Birmingham, Alabama, conducted by Zimlon found that prices vary from $2,687 to $6,153, depending on the companies that buyers choose. The most significant difference observed was for 18-year-old single women driving 2010 Toyota Camry LE four-door sedans. For this cohort of drivers, the difference between the cheapest and most expensive premiums is $6,153. For 25-year-old single men driving Chevy Silverado 1500 extended cabs, this difference amounts to $2,187. For this analysis, Zimlon used data from the Alabama Department of Insurance. The collision deductible was chosen as $500. The bodily injury per person, bodily injury per accident, and property damage limits were chosen as $25,000, $50,000, and $25,000 respectively. The medical payment limit was chosen as $1,000.
For the 18-year-old single female driver cohort, the cheapest premium is offered by United Service Automobile Association, at $1,261. The most expensive premium is offered by Amica Mutual Insurance Company, at $9,996. For the 25-year-old single male driver segment, the cheapest premium is offered by Allstate Property and Casualty Insurance Company, at $724, and the median premium of $1,368 is offered by Nationwide Mutual Fire Insurance Company.
Among the six groups of drivers analyzed, the one with the second highest savings between the most expensive and median premiums is the one comprising 30-year-old married men driving a 2012 Ford F-250 Super Duty Crew Cab. The most expensive premium for this cohort is offered by Infinity Safeguard Insurance Company at $2,642. However, buyers can save up to $4,820 by investing in a median premium of $1,225, offered by Nationwide General Insurance Company.
Allstate Property and Casualty Insurance Company offers the cheapest premiums for 3 of the 6 cohorts of drivers analyzed. In contrast, Infinity Safeguard Insurance Company offers the most expensive premiums in 4 of the 6 cohorts analyzed.
The following graph compares the premiums across companies for Birmingham, AL.
The following table compares the car insurance premiums for key companies in Birmingham, Alabama. It also lists the names of companies included in the study and the differences between the median and cheapest or most expensive rates.
| Cohort | Cheapest Car Insurance Companies in Birmingham, AL | Second Cheapest Car Insurance Companies in Birmingham, AL | Median Car Insurance Companies in Birmingham, AL | Most Expensive Car Insurance Companies in Birmingham, AL | Second Most Expensive Car Insurance Companies in Birmingham, AL | Difference between Cheapest and Median Prices | Difference in Price between Most Expensive and Median Prices |
|---|---|---|---|---|---|---|---|
| 18-year-old single women with 2010 Toyota Camry LE four-door sedans | UNITED SERVICES AUTOMOBILE ASSOCIATION ($1,261) | USAA CASUALTY INSURANCE COMPANY ($1,352) | ALLSTATE NORTHBROOK INDEMNITY COMPANY ($2,582) | AMICA MUTUAL INS COMPANY ($9,996) | STATE AUTOMOBILE MUTUAL INS CO ($4,900) | $1,321 | $7,414 |
| 30-year-old married menwith 2012 Ford F-250 Super Duty Crew Cabs | ENCOMPASS INDEMNITY COMPANY ($667) | ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY ($706) | NATIONWIDE GENERAL INS CO ($1,225) | AMICA MUTUAL INS COMPANY ($6,045) | INFINITY SAFEGUARD INSURANCE COMPANY ($2,642) | $558 | $4,820 |
| 62-year-old married men with 2012 Ford F-250 Super Duty Crew Cabs | ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY ($455) | INTEGON NATIONAL INSURANCE COMPANY ($504) | STATE FARM MUTUAL AUTOMOBILE INS COMPANY ($823) | AMICA MUTUAL INS COMPANY ($3,742) | INFINITY SAFEGUARD INSURANCE COMPANY ($1,707) | $368 | $2,919 |
| 25-year-old single men with Chevy Silverado 1500 extended cabs | ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY ($724) | STANDARD FIRE ($753) | NATIONWIDE MUTUAL FIRE INS COMPANY ($1,368) | AMICA MUTUAL INS COMPANY ($3,194) | INFINITY SELECT INSURANCE COMPANY ($2,392) | $644 | $1,826 |
| 48-year-old single men with 2012 Chevy Tahoe LS | PROGRESSIVE DIRECT INSURANCE COMPANY ($804) | PROGRESSIVE SPECIALTY INS COMPANY ($892) | GUIDEONE SPECIALTY MUTUAL INSURANCE CO ($1,153) | AMICA MUTUAL INS COMPANY ($4,891) | ACCC INSURANCE COMPANY ($2,471) | $349 | $3,738 |
| 25-year-old single women with 2010 Toyota Camry LE four-door Sedans | ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY ($745) | FARMERS INSURANCE EXCHANGE ($822) | PROGRESSIVE DIRECT INSURANCE COMPANY ($1,239) | AMICA MUTUAL INS COMPANY ($3,432) | INFINITY SAFEGUARD INSURANCE COMPANY ($1,925) | $494 | $2,193 |
What Makes Car Insurance Expensive in Birmingham, AL
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.
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.
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 Rates
- Birmingham, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Birmingham, AL
- Multi Vehicle Insurance Savings in Birmingham, AL
- How Credit Score Affects Car Insurance Rates in Birmingham, AL
- How DUI Affects Auto Insurance Premiums in Birmingham, AL
- Top Auto Insurance Agents Near Birmingham, AL
- How Driving Violations Affect Auto Insurance Rates in Birmingham, AL
- Birmingham, AL Auto Insurance Discounts on Anti Theft Feature
- Birmingham, AL Auto Insurance Company Reviews
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
ProgressiveThey 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 InsuranceOur 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.
AllstateMy 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 FarmI 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 Insurancethey are so good and trustworthy,they consider all people of differnt classes
ProgressiveProgressive 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.
ProgressiveProgressive 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 MutualI feel that my premium is high considering I have been with Liberty Mutual for 20 years and have only filed one minor claim.
ProgressiveThey give me the best rates for the best coverage in the area. Similar rates are several $100 more a year from other companies.
Safeco InsuranceThe premiums seem to cover just the minimum amount of damages and fault. I would like to have more
ProgressiveI 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.
ProgressiveI like the companies website. They have also been good to me by paying the premium in full I get a pretty hefty discount.