CarInsurance.com Insights
- According to a CarInsurance.com study, Country Financial and GEICO rank among the cheapest car insurance providers in Birmingham, offering insurance for $364 and $422, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $1,568 per year on your car insurance policy.
- For drivers with a speeding violation, Travelers offers the most affordable full coverage car insurance in Birmingham, averaging $2,558 per year.
- Travelers is among the most affordable car insurance providers for drivers with a DUI in Birmingham, with an average annual full coverage cost of $2,770.
According to a detailed data analysis, Travelers, Nationwide and GEICO provide cheap car insurance rates for drivers in Birmingham, Alabama for a full coverage policy.
Car insurance in Birmingham for an adult with a clean driving record and good insurance score costs $601 a year for a state minimum policy and $2,306 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Birmingham.
Who offers the cheapest car insurance rates in Birmingham, Alabama?
Country Financial offers cheap car insurance rates in Birmingham at an average annual cost of $364 or $30 per month for state minimum coverage. On the other hand, Travelers has the most affordable full coverage car insurance rates at $151 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Birmingham drivers.
| 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, state minimum coverage in Birmingham costs an average of $601 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $18 and your yearly premium by $221.
For full coverage (100/300/100with $500 collision and comprehensive deductibles), you can expect to pay $142 more per month or $1,705 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| 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 a key factor in determining car insurance rates in most cities, including Birmingham. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| 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
Travelers offers the most affordable car insurance rates for drivers in Birmingham following a speeding ticket, at an average annual cost of $2,558 or $213 per month for full coverage.
Nationwide and Allstate also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Birmingham drivers with a speeding ticket.
| 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:
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, Travelers, Progressive and Allstate offer lower rates for high-risk drivers in Birmingham.
The table below shows car insurance providers in Birmingham that offer affordable coverage after a DUI conviction.
| 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% |
How you can save on your car insurance policy
You can save an average of $1,568 annually or $131 monthly on a full coverage policy in Birmingham, Alabama, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Final thoughts: Car insurance cost in Birmingham, Alabama
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed February 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed February 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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