Cheapest Car Insurance In Birmingham, AL 2025
If you’re in Birmingham, Auto-Owners is the cheapest option for minimum coverage auto insurance, with an average monthly rate of $43.
The search for the cheapest car insurance in Birmingham, AL, can reveal a big difference in pricing.
Auto-Owners is the cheapest choice for liability-only coverage, whereas State Farm has the best rates for full coverage. If you’re a young driver, Direct Auto offers the most affordable policies.
Cheapest Car Insurance Companies In Birmingham, AL 2025
Cheapest Liability-only Car Insurance In Birmingham: Auto-Owners
The most cost-effective option for minimum coverage auto insurance in Birmingham is Auto-Owners, averaging $43 per month.
Review the table below to evaluate insurance rates across various companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $43 | $516 |
| Allstate | $47 | $564 |
| State Farm | $45 | $540 |
| Travelers | $59 | $708 |
| Nationwide | $72 | $864 |
Cheapest Full Coverage Insurance Rates In Birmingham: State Farm
State Farm stands out with the lowest full coverage car insurance rates in Birmingham, averaging $82 per month.
The table presents a breakdown of average car insurance quotes from cost-effective insurers in Birmingham.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $82 | $984 |
| Allstate | $86 | $1,032 |
| Travelers | $109 | $1,308 |
| Nationwide | $135 | $1,620 |
| Farmers | $146 | $1,752 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
For seniors in Birmingham, the most budget-friendly car insurance comes from Direct Auto at $53 a month.
The table presents a breakdown of average quotes from the lowest-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $53 | $636 |
| Safeco | $94 | $1,128 |
| National General | $101 | $1,212 |
| Clearcover | $79 | $948 |
Cheapest Rates In Birmingham For Teenagers: State Farm
The cheapest auto insurance for teen drivers in Birmingham comes from State Farm, with an average premium of $154 per month.
The table presents a breakdown of the insurance providers with the lowest costs for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $154 | $1,848 |
| Travelers | $215 | $2,580 |
| Allstate | $167 | $2,004 |
| Nationwide | $260 | $3,120 |
| Farmers | $279 | $3,348 |
Cheapest Auto Insurance For Young Adults in Birmingham: Direct Auto
In Birmingham, young adults can get the most affordable car insurance from Direct Auto, with typical rates of $87 per month.
Below is a table showing the most affordable auto insurance rates available to young adults in Birmingham.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $87 | $1,044 |
| USAA | $164 | $1,968 |
| Clearcover | $140 | $1,680 |
| Allstate | $191 | $2,292 |
| Country | $183 | $2,196 |
Cheapest Car Insurance In Birmingham For Good Drivers: Auto-Owners
At just $43 a month, Auto-Owners offers the most budget-friendly car insurance for good drivers in Birmingham.
The following table provides a comparison of average quotes from the most cost-effective insurers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $43 | $516 |
| Allstate | $47 | $564 |
| State Farm | $45 | $540 |
| Travelers | $59 | $708 |
| Nationwide | $72 | $864 |
Cheapest Car Insurance In Birmingham After A Speeding Ticket: Auto-Owners
If you have a speeding ticket, Auto-Owners offers one of the cheapest car insurance options in Birmingham, at about $60 per month.
Find the average insurance premiums for drivers with a speeding ticket by reviewing the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $60 | $720 |
| Allstate | $63 | $756 |
| Travelers | $80 | $960 |
| GEICO | $87 | $1,044 |
| Nationwide | $101 | $1,212 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Drivers in Birmingham with an at-fault accident can find the cheapest insurance from Auto-Owners, which averages $64 per month.
If you have an at-fault accident, these insurers provide the most budget-friendly car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $64 | $768 |
| Country Financial | $72 | $864 |
| GEICO | $91 | $1,092 |
| Nationwide | $105 | $1,260 |
| Allstate | $67 | $804 |
Cheapest Rates In Birmingham For Drivers After A DUI: State Farm
With an average premium of $74 per month, State Farm has the cheapest car insurance for Birmingham drivers after a DUI.
For Birmingham motorists with a DUI, the table below lists the most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $74 | $888 |
| Travelers | $101 | $1,212 |
| National General | $109 | $1,308 |
| Nationwide | $125 | $1,500 |
| Allstate | $78 | $936 |
Best Car Insurance Companies In Birmingham
Auto-Owners provides the lowest car insurance rates in Birmingham at $43 a month, though State Farm ($45) and Allstate ($47) are also affordable choices.
Below, you’ll find the top 10 car insurance companies in Birmingham, AL, sorted by their average monthly prices.
| Company | Monthly Premium |
| Auto-Owners | $43 |
| Allstate | $47 |
| State Farm | $45 |
| Travelers | $59 |
| Nationwide | $72 |
| Country Financial | $48 |
| Direct Auto | $61 |
| National General | $64 |
| Progressive | $76 |
| Clearcover | $85 |
Average Auto Insurance Rates In Birmingham – By Age
A driver’s age is a major factor in car insurance pricing. Younger motorists, especially teens, are charged higher rates because of their higher likelihood of accidents. On average, teenage drivers pay $4,429 annually.
By the time drivers reach 25, their insurance premiums usually decrease, as long as they avoid accidents and violations.
Those in their 50s and early 60s often enjoy the most competitive insurance premiums, as insurers consider age when evaluating risk and driving experience.
| Age | Average Yearly Rate |
| Teenagers | $4,429 |
| 20s | $2,773 |
| 30s | $1,663 |
| 40s | $1,441 |
| 50s | $1,443 |
| 60s | $1,512 |
| 70s | $1,645 |
Average Rates In Birmingham – By Vehicle
What you drive matters when it comes to insurance pricing. Companies look at details like the make, model, and age of your vehicle, with high-end, newer cars often carrying the highest rates.
Find the average car insurance rates in Birmingham for various vehicle models in the table below.
| Vehicle | Average Monthly Rate |
| Jeep wrangler | $101 |
| Pontiac G6 | $128 |
| Ford Mustang | $64 |
| Kia Forte | $168 |
| Ford Escape | $121 |
How Much Is Car Insurance In Other Cities in Alabama?
Insurance companies factor in your city when setting rates, looking at accident probability, theft, and vandalism. Since these risks are greater in urban areas, premiums tend to be higher.
Insurance rates differ by location—Mobile drivers face average premiums of $157 per month, whereas Florence drivers pay roughly $116.
| City | Average Monthly Rate |
| Decatur | $126 |
| Mobile | $157 |
| Athens | $124 |
| Montgomery | $154 |
| Florence | $116 |
| Huntsville | $133 |
| Jasper | $132 |
| Cullman | $122 |
| Anniston | $137 |
| Bessemer | $144 |
Average Cost Of Auto Insurance In Birmingham – By Zip Code
Because crime rates fluctuate by zip code, car insurance premiums differ from one location to another.
Find average insurance premiums for different zip codes in Birmingham in the table below.
| Zip Code | Average Monthly Rate |
| 35218 | $134 |
| 35217 | $125 |
| 35209 | $133 |
| 35205 | $196 |
| 35211 | $140 |
Our Methodology
My analysis of Birmingham, AL car insurance market considers multiple factors, including customer ratings, policy options, pricing, and insights from online reviews.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Birmingham?
The most affordable car insurance rates in Birmingham come from Auto-Owners for minimum coverage and from State Farm for full coverage, which includes collision and comprehensive insurance.
What is the average cost of car insurance in Birmingham?
Birmingham residents can expect to pay about $150 per month for car insurance, though actual rates vary based on zip code, vehicle specifications, and driving history.
