Buy Cheap Birmingham, AL Auto Insurance

USAA and Nationwide offer the cheapest auto insurance rates in Birmingham, AL. Alabama is an at-fault state, and minimum requirements for Birmingham, AL auto insurance are 25/50/25 for minimum liability coverage. Birmingham, AL is the 36th most congested city in the country, and the average commute is 22.3 minutes, which can lead to higher car insurance rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest auto insurance companies in Birmingham, AL are USAA and Nationwide
  • Birmingham is the 36th most congested city in the country
  • Commutes for Birmingham drivers average 22.3 minutes

You can save on Birmingham, Alabama auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Are you trying to find affordable auto insurance in Birmingham, AL? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Birmingham, AL?

Take a look at this list of the top car insurance companies in Birmingham, AL ranked from cheapest to most expensive:

  • USAA – $2,189.12
  • Nationwide – $2,858.28
  • GEICO – $3,242.65
  • Allstate – $3,600.38
  • Travelers – $3,939.25
  • Farmers – $4,597.50
  • Progressive – $5,365.49
  • Liberty Mutual – $5,911.96
  • State Farm – $6,007.49

These are just average rates, which can be used as a baseline as you’re shopping for coverage. Keep in mind that your specific rates will vary based on your age, gender, and marital status, driving record, and even credit score.

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What auto insurance coverage is required in Birmingham, AL?

Drivers in Birmingham are subject to Alabama state driving laws, so everyone must meet the minimum requirements set by the state.

To drive legally in Alabama, you must carry minimum liability coverage of at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional auto insurance coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

This coverage is required because Alabama is an at-fault state, meaning that if you’re at fault in an accident, you (and your insurance) are responsible for any claims filed by the other driver(s).

What affects auto insurance rates in Birmingham, AL?

Birmingham is the most populated city in Alabama, which means it is the busiest and has the most traffic. Ultimately this results in more chances for accidents and other traffic incidents, raising insurance rates.

According to INRIX, Birmingham is the 36th most congested city in the U.S.

City-Data reports that the average commute time for Birmingham drivers is 22.3 minutes.

Crime rates like auto theft can also have a negative effect on car insurance rates. Recent annual FBI statistics indicate 816 vehicle thefts reported annually.

Birmingham, AL Auto Insurance: The Bottom Line

Make sure you have the coverage you need to legally drive in Birmingham, Alabama. You can save on your coverage by shopping around, comparing rates, and asking about discounts.

Ready to buy Birmingham, AL auto insurance? Enter your ZIP code in the free tool on this page for Birmingham, AL auto insurance quotes today.

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