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Car Insurance in Birmingham

Illustration of van driving by Freeway Insurance headquarters

Birmingham, Alabama is known as the birthplace of the civil rights movement – the city became a catalyst for much of the change that occurred around America and the world in the 1950s and 60s. Now, it’s a beacon for residents and tourists who love to indulge in plenty of history, as well as more modern amenities. The old Sloss Furnaces is a National Historical Landmark that has plenty of outdoor events and is said to be one of the top places for paranormal activity.

The city has a little of everything. There are some stunning views of both downtown and the mountains, with plenty of art and culture along the way.

Quick Facts

  • In 2019, there were 38 traffic-related fatalities in Birmingham.
  • The average cost of car insurance is $108.97 per month.

How Much Is Car Insurance in Birmingham, AL?

On average, the monthly cost of full coverage car insurance in Birmingham is $166. That makes the price more expensive than the state average of $139 and slightly more expensive than the national average, which is $148. The state-required minimum liability averages $52 in Birmingham, higher than the national average of $47 and the state average of $39.
Of course, that still leaves the question: is this a good insurance price or not? To help you decide, we have a list of other major Alabama cities and their average annual car insurance prices.

Cities Full Coverage State-Required Minimum or Liability Coverage
Birmingham $1,992 $624
Huntsville $1,644 $540
Mobile $1,884 $612
Montgomery $1,740 $552
Tuscaloosa $1,716 $540

Birmingham Affordable Car Insurance Rates by Zip Code

You can tell from our breakdown above that moving somewhere new can dramatically affect your car insurance prices. However, even if you are just moving to a new home within Birmingham, Alabama, you can expect fluctuations in your insurance premium.

How much you pay may vary by zip code. Below, we have the info you need on average monthly car insurance prices in some of Birmingham’s many zip codes:

Zip Codes Full Coverage State-Required Minimum or Liability Coverage
35224 $161 $49
35226 $151 $50
35228 $160 $50
35229 $153 $50
35231 $166 $52
35233 $155 $50
35234 $160 $50
35235 $158 $51
35236 $166 $52
35242 $150 $51
35243 $152 $50
35244 $152 $51
35254 $160 $50
35294 $155 $49

Birmingham Low-Cost Car Insurance Rates by Age

Many different factors impact your final insurance premium cost. Some of these factors are partially in your control, including your credit score and where you live.

But some are outside of your control, including how old you are. You can expect to pay different car insurance prices based on your age. Below, we have a breakdown of average monthly Birmingham car insurance prices by driver age.

Age Full Coverage State-Required Minimum or Liability Coverage
18 $604 $217
20 $359 $126
30 $160 $50
40 $154 $49
50 $147 $46
60 $140 $45
70 $153 $52

*Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Birmingham

How Many Fatal Accidents Happen in Birmingham?

In 2019, there were 38 traffic-related fatalities in Birmingham. These deaths were a result of 35 fatal car accidents.

How Are the Road Infrastructure and Bridges in Birmingham?

For the most part, the road and bridge infrastructure in Birmingham, Alabama, is very solid. The average resident doesn’t have much to worry about simply driving from Point A to Point B.

However, there will be some future infrastructure to accommodate new mobility options for traveling around the city. Beyond that, the main problem that local lawmakers struggle with is reducing crime within the city.

Minimum Car Insurance Requirements in Birmingham, AL

How much insurance do you actually need? This is a question we get quite frequently. And the truth is that each driver must individually figure out how much insurance they need.

But another way to answer this question is to explore how much insurance you are legally required to have. In Birmingham, you are required to have this minimum level of liability insurance coverage:

  • $25,000: Bodily injury coverage per person
  • $50,000: Bodily injury coverage per accident
  • $25,000: Property damage per accident

Remember: higher limits may result in a higher premium, but they also provide better protection in the event that you cause an accident!

Factors Allowed in Birmingham Car Insurance Rates

Several times now, we have reviewed how different factors can impact the cost of your insurance. But do you know which factors are “fair game” for your insurance carrier?

In Birmingham, insurance companies are allowed to use the following information to help determine your premium:

  • Age
  • Zipcode
  • Education & occupation
  • Marital status
  • Credit score
  • Gender

If any of these factors change (such as you getting married or improving your credit score), you should update your insurance company ASAP!

Discounts for Car Insurance in Birmingham

Whatever you pay for your monthly insurance premium, we’re willing to bet you’d like to pay less. But do you know how to make this happen?

We normally recommend getting quotes from different companies to really lower your bill. But beyond that, your best bet is to ask your insurance company about discounts. Here are some common discounts offered by carriers in Birmingham:

  • Blue icon of a blue car

    Safe driving

  • Graphic of a man driving a car

    Completing a defensive driving course

  • Blue icon of a graduation cap

    Good student discount

  • Illustration of a document

    Car safety feature discount

  • Pink icon of a thief

    Anti-theft device discount

What Are the Penalties for Driving Without Insurance in Birmingham, AL?

Driving without enough insurance coverage creates some major penalties because you may be stuck paying for property damage and medical care. But trust us: things get much worse if you are caught driving without any insurance at all!

In Alabama, if you are caught driving without insurance, the penalty for the first time involves paying a fine of up to $500. You then surrender your vehicle registration and possibly go to jail for up to three months.

For the second offense and beyond, the fine increases to $1,000 for the second fine and $3,000 for each additional offense. Your car registration may be suspended for up to four months, you may lose your license for up to six months, and you may spend up to six months in jail.

Get a Birmingham Car Insurance Quote Today!

Birmingham, Alabama, USA downtown cityscape at dusk

Now you know about car insurance and driving around Birmingham, Alabama. But do you know how to finally get the insurance you deserve?

Freeway Insurance is here to help you find the best car insurance for you in all of Alabama! Get started with a quote online, or visit us at an office near you. You can also call us at (800) 777-5620 for a quote.