CarInsurance.com Insights
- CarInsurance.com’s data study found that Country Financial and GEICO offer the cheapest car insurance rates in Birmingham at annual costs of $364 and $422, respectively, for state minimum coverage.
- You can save an average of $1,568 per year on a full coverage policy in Birmingham by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with Travelers at an average annual cost of $2,558 for full coverage.
- Travelers is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $2,770 for full coverage.
Travelers, Nationwide and GEICO are the top insurers with the most affordable car insurance rates for drivers in Birmingham, Alabama for a full coverage policy.
In Birmingham, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $601. If you upgrade to full coverage, the cost increases to $2,306.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Birmingham.
Who offers the cheapest car insurance rates in Birmingham, Alabama?
Country Financial offers the cheapest state minimum car insurance in Birmingham, with an average annual cost of $364 or $30 per month. For full coverage, Travelers provides the most affordable rates, averaging $151 per year for 100/300/100 limits and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Birmingham.
| Insurance company | Annual premium |
|---|---|
| Travelers | $1,814 |
| Nationwide | $1,936 |
| GEICO | $1,942 |
| Country Financial | $2,064 |
| Auto-Owners | $2,514 |
| Progressive | $2,735 |
| Allstate | $2,774 |
| Farmers | $3,382 |
| USAA | $1,590 |
Average car insurance rates in Birmingham
According to our rate analysis, the average cost of car insurance for state minimum coverage in Birmingham is $601. For liability-only coverage with limits of 50/100/50, you would pay $18 more a month or $221 more a year.
You can get full coverage (100/300/100) by paying $142 more a month or an additional $1,705 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $601 |
| Liability only (50/100/50) | $822 |
| Full coverage (100/300/100, $500 ded.) | $2,306 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,512 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,085 |
| Non-owners | $483 |
Cheapest rates for drivers in Birmingham, Alabama, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Country Financial | $4,167 |
| Young adults (20-24) | GEICO | $2,795 |
| Adults (25-60) | Travelers | $1,850 |
| Seniors (65-75) | Nationwide | $1,776 |
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Cheapest car insurance rates for Birmingham drivers after a speeding ticket
Our data shows that Travelers has the most affordable car insurance rates for drivers in Birmingham after a speeding ticket, with an average annual cost of $2,558 or $213 monthly. Nationwide and Allstate also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Birmingham drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Travelers | $1,814 | $2,558 | 41% |
| Nationwide | $1,936 | $2,999 | 55% |
| Allstate | $2,774 | $3,089 | 11% |
| Auto-Owners | $2,514 | $3,230 | 28% |
| Progressive | $2,735 | $3,507 | 28% |
| GEICO | $1,942 | $3,654 | 88% |
| Farmers | $3,382 | $5,386 | 59% |
| USAA | $1,590 | $1,838 | 16% |
Cheap car insurance for drivers with a DUI in Birmingham
If you have a DUI on your record in Birmingham, finding affordable car insurance can be challenging. However, Travelers, Progressive and Allstate offer affordable insurance rates for drivers in Birmingham after a DUI conviction.
The table below lists car insurance companies in Birmingham that offer affordable coverage for drivers with DUIs.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Travelers | $1,814 | $2,770 | 53% |
| Progressive | $2,735 | $3,289 | 20% |
| Allstate | $2,774 | $3,738 | 35% |
| Nationwide | $1,936 | $4,094 | 112% |
| GEICO | $1,942 | $4,276 | 120% |
| Auto-Owners | $2,514 | $4,755 | 89% |
| Farmers | $3,382 | $7,104 | 110% |
| USAA | $1,590 | $3,389 | 113% |
Affordable car insurers for Birmingham drivers after an at-fault accident
Dealing with an at-fault accident on your record in Birmingham can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Birmingham, Travelers offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Birmingham if you have an at-fault accident on your record.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Travelers | $1,814 | $2,596 | 43% |
| Auto-Owners | $2,514 | $3,195 | 27% |
| Nationwide | $1,936 | $3,234 | 67% |
| GEICO | $1,942 | $3,448 | 78% |
| Allstate | $2,774 | $4,370 | 58% |
| Progressive | $2,735 | $4,572 | 67% |
| Farmers | $3,382 | $5,720 | 69% |
| USAA | $1,590 | $2,420 | 52% |
Compare car insurance quotes in Birmingham: How to save on an insurance policy?
By comparing car insurance quotes, you could save an average of $1,568 per year or $131 per month on a full coverage policy in Birmingham, Alabama, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Final thoughts: Car insurance cost in Birmingham, Alabama
Shopping for a new auto insurance policy when your current one is up for renewal is the best way to secure the most affordable coverage in Birmingham, Alabama. Maximize your savings by taking advantage of discounts, driving a vehicle with adequate safety features and keeping a clean driving record.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed March 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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