Buy Cheap Birmingham, OH Auto Insurance (2021)

Birmingham, OH auto insurance rates average $216 a month. Minimum auto insurance requirements in Birmingham, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Birmingham, OH, 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 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 20, 2021

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A Concise Overview

  • Average auto insurance rates in Birmingham, OH for teens drivers are $5,387/year
  • The most expensive auto insurance company in Birmingham after a DUI is Liberty Mutual
  • Average auto insurance rates in Birmingham, OH after a DUI are $3,017/year

Finding affordable Birmingham, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Birmingham, OH 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, OH car insurance rates compare to Hamilton auto insurance rates, Dayton auto insurance rates, and Toledo auto insurance rates before you read more about the cost of auto insurance in Birmingham.

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

Birmingham, OH Minimum Auto Insurance Requirements

The required auto insurance in Birmingham, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Birmingham, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Birmingham, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Birmingham, OH Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Birmingham, Ohio

Insurance Company Poor Fair Good
Allstate $3,805 $2,781 $2,316
American Family $1,908 $1,303 $1,104
Farmers $3,583 $3,030 $2,884
GEICO $1,960 $1,637 $1,314
Liberty Mutual $5,830 $3,587 $2,813
Nationwide $3,592 $2,897 $2,449
Progressive $3,588 $3,108 $2,906
State Farm $3,093 $1,913 $1,508
Travelers $3,219 $2,805 $2,621
USAA $1,833 $1,299 $1,109

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

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

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

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 $1,968 $1,952 $1,784 $1,905 $5,554 $6,345 $2,051 $2,180
American Family $908 $943 $827 $832 $2,734 $2,969 $1,117 $1,176
Farmers $1,667 $1,659 $1,469 $1,552 $7,447 $7,718 $1,868 $1,946
GEICO $1,176 $1,148 $1,117 $1,139 $3,167 $2,943 $1,303 $1,100
Liberty Mutual $1,886 $2,057 $1,451 $1,765 $9,995 $11,281 $1,998 $2,178
Nationwide $1,982 $1,989 $1,793 $1,802 $5,115 $6,573 $2,120 $2,459
Progressive $1,643 $1,544 $1,369 $1,413 $7,360 $8,289 $1,960 $2,027
State Farm $1,290 $1,290 $1,160 $1,160 $4,102 $5,147 $1,501 $1,722
Travelers $1,315 $1,332 $1,318 $1,307 $5,764 $9,090 $1,375 $1,552
USAA $859 $866 $818 $817 $2,635 $2,933 $1,146 $1,234

Buy Cheap Birmingham, OH 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, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Birmingham, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,554 $6,345
American Family $2,734 $2,969
Farmers $7,447 $7,718
GEICO $3,167 $2,943
Liberty Mutual $9,995 $11,281
Nationwide $5,115 $6,573
Progressive $7,360 $8,289
State Farm $4,102 $5,147
Travelers $5,764 $9,090
USAA $2,635 $2,933

Buy Cheap Birmingham, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Birmingham, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,784 $1,905
American Family $827 $832
Farmers $1,469 $1,552
GEICO $1,117 $1,139
Liberty Mutual $1,451 $1,765
Nationwide $1,793 $1,802
Progressive $1,369 $1,413
State Farm $1,160 $1,160
Travelers $1,318 $1,307
USAA $818 $817

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

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

Annual Auto Insurance Rates by Coverage Level in Birmingham, Ohio

Insurance Company Low Medium High
Allstate $2,861 $2,961 $3,080
American Family $1,412 $1,449 $1,454
Farmers $2,995 $3,117 $3,385
GEICO $1,578 $1,628 $1,704
Liberty Mutual $3,918 $4,099 $4,213
Nationwide $3,285 $2,888 $2,764
Progressive $3,059 $3,170 $3,372
State Farm $2,058 $2,178 $2,277
Travelers $2,798 $2,921 $2,926
USAA $1,348 $1,412 $1,480

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Find Cheap Birmingham, OH 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, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Birmingham, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,967 $2,967
American Family $1,421 $1,455
Farmers $3,166 $3,166
GEICO $1,609 $1,665
Liberty Mutual $4,077 $4,077
Nationwide $2,979 $2,979
Progressive $3,201 $3,201
State Farm $2,117 $2,226
Travelers $2,882 $2,882
USAA $1,359 $1,468

Find Cheap Birmingham, OH Auto Insurance Rates by Driving Record

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

Annual Birmingham, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,481 $3,013 $3,557 $2,818
American Family $1,379 $1,458 $1,458 $1,458
Farmers $2,607 $3,363 $3,280 $3,413
GEICO $1,109 $1,601 $2,340 $1,497
Liberty Mutual $3,423 $4,400 $4,488 $3,995
Nationwide $2,395 $3,036 $3,841 $2,644
Progressive $2,760 $3,753 $2,941 $3,348
State Farm $1,974 $2,369 $2,171 $2,171
Travelers $2,114 $2,766 $4,180 $2,467
USAA $1,085 $1,454 $1,913 $1,202

Find Cheap Birmingham, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Birmingham, Ohio 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, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Birmingham, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,557
American Family $1,458
Farmers $3,280
GEICO $2,340
Liberty Mutual $4,488
Nationwide $3,841
Progressive $2,941
State Farm $2,171
Travelers $4,180
USAA $1,913

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

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

Best Annual Auto Insurance Rates by Company in Birmingham, Ohio

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

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Find Cheap Birmingham, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Birmingham, Ohio

Insurance Company Average Annual Rates
Allstate $2,967
American Family $1,438
Farmers $3,166
GEICO $1,637
Liberty Mutual $4,077
Nationwide $2,979
Progressive $3,201
State Farm $2,171
Travelers $2,882
USAA $1,413

What affects Birmingham, Ohio auto insurance rates?

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

Traffic in Birmingham

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

Compare Auto Insurance Quotes in Birmingham, OH

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

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