Cheapest car insurance companies in Birmingham
Nationwide and Travelers have the cheapest car insurance premiums for Birmingham drivers in 2023, based on a data study by Insurance.com.
The car insurance company in Birmingham that provides the cheapest car insurance premiums is Nationwide, with an average annual rate of $1,340 .
When it comes to car insurance costs in Birmingham, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| Nationwide | $1,340 |
| USAA | $1,489 |
| Travelers | $1,556 |
| Geico | $1,826 |
| Country Financial | $1,899 |
| State Farm | $2,117 |
| Auto-Owners | $2,251 |
| Allstate | $2,295 |
| Progressive | $2,728 |
| Farmers | $2,937 |
Cheapest car insurance cost in Birmingham by Age Group
Country Financial offers the cheapest full coverage car insurance for teenage drivers in Birmingham, with an average annual cost of $3,916 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.
Nationwide provides the cheapest car insurance coverage for young drivers in Birmingham, with an annual premium of $2,297 on average.
An analysis of car insurance rates for Birmingham drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Nationwide offers the cheapest full-coverage car insurance rates at $1,328 per year.
Nationwide tops the list in terms of affordability for senior drivers in Birmingham. With an average annual premium of $1,250, Nationwide offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Country Financial | $3,916 | $2,752 | $1,931 | $1,810 |
| USAA | $4,320 | $2,376 | $1,536 | $1,572 |
| Nationwide | $4,986 | $2,297 | $1,328 | $1,250 |
| Travelers | $4,999 | $2,456 | $1,589 | $1,606 |
| Geico | $5,001 | $2,621 | $1,815 | $1,784 |
| State Farm | $6,174 | $3,559 | $2,135 | $2,066 |
| Auto-Owners | $6,456 | $3,922 | $2,293 | $2,398 |
| Allstate | $8,192 | $3,352 | $2,279 | $2,400 |
| Progressive | $12,242 | $4,447 | $2,735 | $2,739 |
| Farmers | $12,854 | $3,726 | $2,779 | $3,068 |
Cheapest car insurance companies in Birmingham by driver profile
When determining car insurance rates in Birmingham, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Finding the cheapest car insurance in Birmingham requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
In Birmingham, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Birmingham drivers at about $1,524 per year.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,524 |
| Geico | $1,792 |
| USAA | $2,148 |
| Travelers | $2,243 |
| Allstate | $2,656 |
| Progressive | $3,671 |
| Farmers | $4,003 |
| State Farm | $6,625 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Birmingham with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,446.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,446 |
| Nationwide | $1,527 |
| Allstate | $1,829 |
| Travelers | $1,921 |
| Geico | $2,117 |
| State Farm | $2,226 |
| Progressive | $2,879 |
| Farmers | $3,355 |
Cheapest auto insurance after an at-fault accident: Nationwide
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that Nationwide offers the cheapest car insurance rates for Birmingham drivers with at-fault accidents. It provides coverage at an average annual cost of $1,796.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,796 |
| Travelers | $2,027 |
| USAA | $2,173 |
| Geico | $2,347 |
| State Farm | $2,485 |
| Allstate | $2,781 |
| Farmers | $3,904 |
| Progressive | $4,016 |
Cheapest auto insurance after a DUI: State Farm
In Birmingham, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $2,226 a year.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $2,226 |
| Travelers | $2,452 |
| Allstate | $2,460 |
| Nationwide | $2,467 |
| USAA | $2,775 |
| Geico | $2,869 |
| Progressive | $3,198 |
| Farmers | $4,055 |
Average car insurance cost in Birmingham
Full coverage car insurance in Birmingham for a coverage limit of 100/300/100 is $2,040 per year or $170 per month, while the state minimum coverage costs an average of $513 a year.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $2,040 | $513 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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