Buy Cheap Birmingham, IA Auto Insurance (2021)

Birmingham, IA auto insurance rates average $248 a month. Minimum auto insurance requirements in Birmingham, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Birmingham, IA, compare Birmingham auto insurance quotes from top companies.

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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 ...

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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 20, 2021

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A Concise Overview

  • Average auto insurance rates in Birmingham, IA after a DUI are $3,585/year
  • The most expensive auto insurance company in Birmingham is Travelers
  • Average auto insurance rates in Birmingham, IA are $248/month

Finding affordable Birmingham, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Birmingham, IA auto insurance with confidence is right here. Auto insurance rates in Birmingham are affected by local factors as well as personal ones like your driving record.

See how Birmingham, IA car insurance rates compare to Cedar Rapids auto insurance rates, West Des Moines auto insurance rates, and Davenport auto insurance rates before you read more about the cost of auto insurance in Birmingham.

Don’t buy Birmingham, IA auto insurance until you’ve compared rates. Get free Birmingham, Iowa auto insurance quotes when you enter your ZIP code above.

Birmingham, IA Minimum Auto Insurance Requirements

The required auto insurance in Birmingham, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Birmingham, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Birmingham, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Birmingham, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Birmingham, IA. Take a look at Birmingham, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Birmingham, Iowa

Insurance Company Poor Fair Good
Allstate $3,364 $2,677 $2,403
American Family $3,747 $2,755 $2,315
Farmers $2,822 $2,339 $2,216
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,264 $3,859 $3,039
Nationwide $3,217 $2,506 $2,198
Progressive $2,801 $2,247 $2,028
State Farm $3,260 $2,016 $1,590
Travelers $6,428 $5,481 $5,219
USAA $2,399 $1,648 $1,427

Buy Cheap Birmingham, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Birmingham, Iowa auto insurance rates? Find out how car insurance rates in Birmingham, IA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Birmingham, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,901 $1,837 $1,679 $1,711 $5,260 $5,887 $2,087 $2,154
American Family $1,899 $1,899 $1,698 $1,698 $5,047 $7,088 $1,899 $2,287
Farmers $1,524 $1,554 $1,366 $1,491 $4,582 $4,887 $2,062 $2,204
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,124 $2,307 $1,862 $2,262 $10,105 $11,375 $2,406 $2,657
Nationwide $1,849 $1,904 $1,643 $1,762 $4,176 $5,431 $2,084 $2,273
Progressive $1,690 $1,637 $1,393 $1,442 $3,980 $4,498 $2,035 $2,195
State Farm $1,526 $1,526 $1,327 $1,327 $3,938 $5,016 $1,711 $1,939
Travelers $2,598 $2,654 $2,513 $2,522 $11,368 $18,110 $2,698 $3,210
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

Buy Cheap Birmingham, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Birmingham can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Birmingham, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Birmingham, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,260 $5,887
American Family $5,047 $7,088
Farmers $4,582 $4,887
GEICO $4,278 $3,972
Liberty Mutual $10,105 $11,375
Nationwide $4,176 $5,431
Progressive $3,980 $4,498
State Farm $3,938 $5,016
Travelers $11,368 $18,110
USAA $3,285 $3,490

Buy Cheap Birmingham, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Birmingham, Iowa by comparing Birmingham senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Birmingham, IA here.

Annual Auto Insurance Rates for Senior Drivers in Birmingham, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,679 $1,711
American Family $1,698 $1,698
Farmers $1,366 $1,491
GEICO $1,696 $1,552
Liberty Mutual $1,862 $2,262
Nationwide $1,643 $1,762
Progressive $1,393 $1,442
State Farm $1,327 $1,327
Travelers $2,513 $2,522
USAA $1,123 $1,146

Find Cheap Auto Insurance Rates in Birmingham, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Birmingham, Iowa auto insurance. Compare Birmingham, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Birmingham, Iowa

Insurance Company Low Medium High
Allstate $2,718 $2,817 $2,908
American Family $2,954 $3,102 $2,761
Farmers $2,354 $2,467 $2,556
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,216 $4,380 $4,567
Nationwide $2,769 $2,621 $2,531
Progressive $2,237 $2,366 $2,472
State Farm $2,192 $2,300 $2,375
Travelers $5,379 $5,795 $5,953
USAA $1,732 $1,830 $1,911

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Find Cheap Birmingham, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Birmingham. Compare auto insurance rates in Birmingham, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Birmingham, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,748 $2,881
American Family $2,905 $2,973
Farmers $2,459 $2,459
GEICO $2,269 $2,362
Liberty Mutual $4,387 $4,387
Nationwide $2,640 $2,640
Progressive $2,359 $2,359
State Farm $2,234 $2,343
Travelers $5,709 $5,709
USAA $1,758 $1,891

Find Cheap Birmingham, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Birmingham, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Birmingham, IA, take a look at the average cost for various violations versus rates for a clean driving record in Birmingham.

Annual Birmingham, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,414 $2,900 $3,264 $2,680
American Family $2,121 $3,111 $4,031 $2,494
Farmers $2,095 $2,597 $2,637 $2,506
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,792 $4,683 $4,784 $4,290
Nationwide $1,900 $2,746 $3,759 $2,155
Progressive $1,902 $3,090 $2,061 $2,381
State Farm $2,131 $2,446 $2,289 $2,289
Travelers $4,169 $5,544 $7,420 $5,705
USAA $1,395 $1,870 $2,432 $1,602

Find Cheap Birmingham, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Birmingham, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Birmingham for less when you shop around and compare rates from multiple Birmingham, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Birmingham, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,264
American Family $4,031
Farmers $2,637
GEICO $3,170
Liberty Mutual $4,784
Nationwide $3,759
Progressive $2,061
State Farm $2,289
Travelers $7,420
USAA $2,432

Winners by Category: Where to Buy Cheap Auto Insurance in Birmingham, IA

Compare rates from the cheapest auto insurance companies in Birmingham, IA for your needs. Take a look at how Birmingham, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Birmingham, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Find Cheap Birmingham, Iowa Auto Insurance Companies

If you’re looking for the cheapest Birmingham, IA auto insurance companies overall, you can compare them here. Find the best price for Birmingham, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in Birmingham, Iowa

Insurance Company Average Annual Rates
Allstate $2,815
American Family $2,939
Farmers $2,459
GEICO $2,315
Liberty Mutual $4,387
Nationwide $2,640
Progressive $2,359
State Farm $2,289
Travelers $5,709
USAA $1,825

What affects Birmingham, Iowa auto insurance rates?

Local factors affect auto insurance rates in Birmingham, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Birmingham auto insurance rates.

Commute Times in Birmingham

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Birmingham, IA is 22.0 minutes according to City-Data.

Traffic in Birmingham

How is traffic in Birmingham, Iowa? Inrix data shows that Birmingham, IA traffic makes it the 149th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Birmingham, IA

You can buy cheap Birmingham, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Birmingham, Iowa auto insurance quotes from top companies.

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