Car Insurance Cost in Birmingham, AL – 2022 Rates + Comparisons

How much does average Birmingham car insurance cost? We break down average insurance rates and reveal the models with the cheapest car insurance in Birmingham, AL.

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What is average car insurance cost in Birmingham?

The average car insurance expense in Birmingham is $1,598 per year, or approximately $133 per month for a full coverage policy. It costs 2% more to insure the average vehicle in Birmingham than the U.S. overall average rate of $1,567.

In the state of Alabama, the average cost of car insurance is $1,240 per year, so the average cost in Birmingham is $358 more per year. The cost of insurance in Birmingham compared to other Alabama cities is about $208 per year more than in Huntsville, $160 per year more than in Tuscaloosa, and $52 per year more than in Mobile.

The age of the driver is the one factor that has the largest impact on the price you pay for car insurance, so the list below illustrates this by breaking down average car insurance rates in Birmingham for drivers from 16 to 60.

Average cost of car insurance in Birmingham by driver age

  • 16 year old – $5,718 per year or $477 per month
  • 17 year old – $5,340 per year or $445 per month
  • 18 year old – $4,986 per year or $416 per month
  • 19 year old – $4,508 per year or $376 per month
  • 20 year old – $3,168 per year or $264 per month
  • 30 year old – $1,682 per year or $140 per month
  • 40 year old – $1,598 per year or $133 per month
  • 50 year old – $1,454 per year or $121 per month
  • 60 year old – $1,426 per year or $119 per month

The chart below summarizes average car insurance cost in Birmingham broken out for different driver ages and possible risk profiles. Rates are averaged for all 2022 vehicle models including luxury vehicles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Birmingham includes all Zip Codes and vehicle trim levels.Data last updated on November 18, 2022
Birmingham Car Insurance Cost by Driver Risk Profile
Average Car Insurance Cost in Birmingham, AL
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,616$301
Safe Driver Age 20$3,168$264
At-fault Accidents Age 40$2,248$187
Low Deductibles Age 40$2,074$173
Safe Driver Age 30$1,682$140
Safe Driver Age 40$1,598$133
Safe Driver Age 50$1,454$121
Safe Driver Age 60$1,426$119
High Deductibles Age 40$1,352$113
Discount Rate Age 40$1,324$110

The average cost of auto insurance per month in Birmingham is $133, with policy premium ranging from $110 to $301 for the data shown in the chart above.

The rates referenced above consist of an average based on every 2022 vehicle model, which is practical when making general comparisons such as the average cost difference between multiple locations. Average car insurance rates are terrific for getting the answer to questions like “are auto insurance rates in Birmingham cheaper than in Montgomery?” or “is Alabama auto insurance cheaper than Florida?”.

But for more useful car insurance comparisons, it makes sense to look at the exact vehicle being insured. Each make and model has different risk exposures for rating purposes and this data allows us to perform more detailed insurance cost analysis.

The following list details both annual and monthly average auto insurance rates in Birmingham for popular vehicles.

Auto insurance rates for popular models in Birmingham

The vehicles that are popular in Birmingham tend to be compact and midsize sedans like the Toyota Corolla, Honda Civic, and Nissan Altima and small or midsize SUVs like the Ford Escape and Ford Explorer.

Some additional popular vehicles from other segments include luxury models like the Acura ILX and Acura MDX, pickup trucks like the Ram 1500 and Ford Ranger, and sports cars like the Nissan GT-R and Porsche 911.

We explore rates in much more detail in the upcoming sections, but before we get into those numbers, let’s review the key concepts and comparisons that we covered in the first section.

  • Auto insurance gets cheaper as you get older – Car insurance rates for a 50-year-old driver in Birmingham are $1,714 per year cheaper than for a 20-year-old driver.
  • Cost per month ranges from $119 to $477 – That’s the average auto insurance price range for drivers aged 16 to 60 in Birmingham.
  • Insurance rates decrease considerably between ages 20 and 30 – The average 30-year-old Birmingham driver will pay $1,486 less each year than a 20-year-old driver, $1,682 versus $3,168.
  • Teen females have cheaper rates than teenage males – Teenage females pay $498 to $682 less per year than their male counterparts.
  • Birmingham car insurance rates are more expensive than the Alabama state average – $1,598 (Birmingham average) versus $1,240 (Alabama average)
  • Insurance for teenagers can cost a lot – Average cost ranges from $4,010 to $5,718 per year to insure a teenage driver in Birmingham.
  • Birmingham average car insurance cost is more than the U.S. average – $1,598 (Birmingham average) compared to $1,567 (U.S. average)

Which cars have cheap insurance in Birmingham?

When comparing all types of models, the vehicles with the most affordable insurance prices in Birmingham tend to be small SUVs like the Nissan Kicks, Mazda CX-5, and Nissan Rogue Sport. Average auto insurance prices for those small SUVs cost $1,330 or less per year, or $111 per month, for a full coverage policy.

Additional models that are in the top 20 in our overall cost comparison are the Subaru Forester, Kia Seltos, Mazda MX-5 Miata, and Buick Envision.

Average insurance cost is marginally higher for those models than the cheapest compact SUVs and crossovers that rank near the top, but they still have an average insurance cost of $1,384 or less per year in Birmingham.

The table below shows the top 50 models with the cheapest car insurance rates in Birmingham, ordered by annual cost.

Cheapest Car Insurance Rates in Birmingham
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,214$101
2Nissan Kicks$1,242$104
3Chevrolet Trailblazer$1,252$104
4Honda Passport$1,282$107
5Subaru Crosstrek$1,282$107
6Toyota C-HR$1,310$109
7Chevrolet Colorado$1,314$110
8Buick Encore$1,318$110
9Nissan Rogue Sport$1,330$111
10Buick Envision$1,356$113
11Hyundai Venue$1,356$113
12Kia Seltos$1,358$113
13Ford Maverick$1,364$114
14Acura RDX$1,366$114
15Toyota Corolla Cross$1,368$114
16Subaru Ascent$1,372$114
17Hyundai Kona$1,378$115
18Mazda MX-5 Miata$1,382$115
19Subaru Forester$1,382$115
20Subaru Impreza$1,382$115
21Volkswagen Tiguan$1,384$115
22Chevrolet Spark$1,394$116
23Honda CR-V$1,396$116
24Cadillac XT4$1,400$117
25Mazda CX-30$1,414$118
26Ford Ranger$1,420$118
27Honda HR-V$1,436$120
28Ford Edge$1,438$120
29Ford Ecosport$1,448$121
30Chevrolet Trax$1,464$122
31Subaru Outback$1,464$122
32Acura ILX$1,468$122
33GMC Terrain$1,468$122
34Mitsubishi Eclipse Cross$1,470$123
35Nissan Murano$1,480$123
36Toyota Tacoma$1,482$124
37Hyundai Tucson$1,486$124
38Chevrolet Bolt$1,488$124
39Honda Odyssey$1,488$124
40Toyota Venza$1,490$124
41Chevrolet Equinox$1,494$125
42Volkswagen Taos$1,498$125
43Ford Explorer$1,500$125
44Fiat 500X$1,504$125
45Toyota RAV4$1,506$126
46Kia Sorento$1,508$126
47Kia Soul$1,512$126
48Nissan Frontier$1,518$127
49Hyundai Palisade$1,530$128
50Volkswagen Golf$1,534$128

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Birmingham, AL.Data last updated on November 18, 2022
    Cheapest Car Insurance Rates in Birmingham

    A list of 50 vehicles with the cheapest insurance in Birmingham serves the purpose if you just want the absolute lowest rates. Considering the fact that we have over 700 models in our database, a ton of models get left out.

    So let’s dig deeper and list the cheapest models an alternative way. The next six sections list the models with the cheapest auto insurance rates for each of the primary automotive segments.

    Cheapest cars to insure in Birmingham

    The Subaru Impreza ranks at #1 for the most budget-friendly non-luxury car to insure in Birmingham, followed by the Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. The 2022 model costs an average of $1,382 per year for a policy with full coverage.

    Also ranking well in our comparison are cars like the Toyota Camry, Honda Insight, Toyota Corolla, and Kia K5, with an average car insurance cost of $1,570 per year or less.

    In the lower half of the top 20 cars to insure, models like the Kia Forte, Volkswagen Passat, Kia Rio, Chevrolet Malibu, and Mazda 3 cost between $1,570 and $1,658 per year for auto insurance.

    Full-coverage auto insurance for this segment in Birmingham for a middle-age safe driver starts at around $115 per month, depending on your location.

    If vehicle size is considered, the most budget-friendly compact car to insure in Birmingham is the Subaru Impreza at $1,382 per year, or $115 per month. For midsize 2022 models, the Subaru Legacy has the best rates at $1,546 per year, or $129 per month. And for full-size sedans, the Toyota Avalon has the most affordable rates at $1,676 per year, or $140 per month.

    The rate comparison table below ranks the twenty cars with the most affordable average insurance rates in Birmingham, starting with the Subaru Impreza at $1,382 per year and ending with the Chevrolet Malibu at $1,658 per year.

    Cheapest Cars to Insure in Birmingham
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,382$115
    Chevrolet SparkCompact$1,394$116
    Volkswagen GolfCompact$1,534$128
    Subaru LegacyMidsize$1,546$129
    Honda InsightMidsize$1,552$129
    Volkswagen JettaCompact$1,552$129
    Nissan SentraCompact$1,558$130
    Kia K5Midsize$1,570$131
    Toyota CamryMidsize$1,570$131
    Toyota CorollaCompact$1,570$131
    Kia RioCompact$1,574$131
    Volkswagen PassatMidsize$1,576$131
    Honda CivicCompact$1,580$132
    Mazda 3Compact$1,590$133
    Mazda 6Midsize$1,592$133
    Toyota PriusCompact$1,592$133
    Hyundai AccentCompact$1,614$135
    Hyundai VelosterCompact$1,632$136
    Kia ForteCompact$1,634$136
    Chevrolet MalibuMidsize$1,658$138

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Birmingham, AL.Data last updated on November 18, 2022
      Cheapest Cars to Insure in Birmingham

      Popular cars in Birmingham don’t always have the lowest-cost car insurance rates. For example, some of the more popular non-luxury cars that ranked out of the top 20 include the Tesla Model 3 costing an average of $1,678 per year ($140 per month), the Volkswagen Jetta at an average of $1,552 ($129 per month), and the Toyota Avalon costing $1,676 ($140 per month).

      For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

      Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Birmingham car insurance quotes from top companies in Alabama.

      Cheapest SUV insurance rates in Birmingham

      Ranking in the top five for the lowest-cost Birmingham auto insurance rates in the non-luxury SUV segment are the Chevrolet Trailblazer, Nissan Kicks, Honda Passport, Subaru Crosstrek, and Mazda CX-5. Auto insurance prices for these models average $1,282 or less per year.

      Not the cheapest, but still in the top 10, are models like the Buick Encore, Buick Envision, Nissan Rogue Sport, and Toyota C-HR, with an average cost to insure of $1,356 per year or less.

      Some additional models that make the list include the Honda HR-V, Subaru Ascent, Hyundai Kona, and Mazda CX-30, which cost between $1,356 and $1,438 to insure per year.

      As a cost per month, full-coverage insurance on this segment in Birmingham will start around $101 per month, depending on your location and insurance company.

      When prices are compared by SUV size, the most budget-friendly non-luxury compact SUV to insure in Birmingham is the Mazda CX-5 at $1,214 per year, or $101 per month. For midsize models, the Honda Passport has the best rates at $1,282 per year, or $107 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,602 per year, or $134 per month.

      The rate comparison table below ranks the SUVs with the cheapest car insurance in Birmingham, starting with the Mazda CX-5 at $1,214 per year and ending with the Ford Edge at $1,438 per year.

      Cheapest SUVs to Insure in Birmingham
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,214$101
      Nissan KicksCompact$1,242$104
      Chevrolet TrailblazerCompact$1,252$104
      Honda PassportMidsize$1,282$107
      Subaru CrosstrekCompact$1,282$107
      Toyota C-HRCompact$1,310$109
      Buick EncoreCompact$1,318$110
      Nissan Rogue SportCompact$1,330$111
      Buick EnvisionCompact$1,356$113
      Hyundai VenueCompact$1,356$113
      Kia SeltosCompact$1,358$113
      Toyota Corolla CrossCompact$1,368$114
      Subaru AscentMidsize$1,372$114
      Hyundai KonaCompact$1,378$115
      Subaru ForesterCompact$1,382$115
      Volkswagen TiguanCompact$1,384$115
      Honda CR-VCompact$1,396$116
      Mazda CX-30Compact$1,414$118
      Honda HR-VCompact$1,436$120
      Ford EdgeMidsize$1,438$120

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Birmingham, AL.Data last updated on November 18, 2022
        Cheapest SUVs to Insure in Birmingham

        Some popular SUVs that have more expensive auto insurance rates than those above include the Chevrolet Tahoe at $1,602 per year, the Toyota RAV4 at $1,506, the Subaru Outback costing $1,464, and the Nissan Rogue at an average of $1,566.

        For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

        Don’t see insurance rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Alabama.

        Cheapest pickup truck insurance rates in Birmingham

        The top four pickup trucks with the cheapest insurance rates in Birmingham are the Chevrolet Colorado at $1,314 per year, Ford Maverick at $1,364 per year, Ford Ranger at $1,420 per year, and Toyota Tacoma at $1,482 per year.

        Other models that have cheaper rates include the Honda Ridgeline, Hyundai Santa Cruz, Jeep Gladiator, and GMC Canyon, with an average cost to insure of $1,572 per year or less.

        Auto insurance rates in this segment starts at an average of $110 per month, depending on your location and insurance company. The table below ranks the pickups with the most affordable average auto insurance rates in Birmingham.

        Cheapest Pickups to Insure in Birmingham
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,314$110
        Ford MaverickMidsize$1,364$114
        Ford RangerMidsize$1,420$118
        Toyota TacomaMidsize$1,482$124
        Nissan FrontierMidsize$1,518$127
        GMC CanyonMidsize$1,536$128
        Hyundai Santa CruzMidsize$1,536$128
        Ford F150Full-size$1,544$129
        Honda RidgelineMidsize$1,554$130
        Jeep GladiatorMidsize$1,572$131
        GMC SierraFull-size$1,626$136
        Nissan TitanFull-size$1,684$140
        Chevrolet SilveradoFull-size$1,716$143
        Toyota TundraFull-size$1,718$143
        Ford F350 Super DutyHeavy Duty$1,734$145
        Chevrolet Silverado HD 3500Heavy Duty$1,746$146
        Nissan Titan XDHeavy Duty$1,794$150
        Ram TruckFull-size$1,824$152
        GMC Sierra 2500 HDHeavy Duty$1,862$155
        GMC Sierra 3500Heavy Duty$1,876$156

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Birmingham, AL.Data last updated on November 18, 2022
          Cheapest Pickups to Insure in Birmingham

          See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

          Looking for insurance rates for a different truck? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Birmingham car insurance quotes from top companies in Alabama.

          Cheapest luxury car insurance rates in Birmingham

          The top five models for the most affordable Birmingham auto insurance rates in the luxury car segment are the Volvo S60, Acura ILX, Acura TLX, Mercedes-Benz A220, and BMW 330i. Auto insurance prices for these models average $1,710 or less per year.

          Other models that have cheaper rates include the BMW 330e, Lexus RC 300, BMW 230i, and BMW 228i, with average rates of $1,768 per year or less.

          From a cost per month standpoint, full-coverage insurance in this segment for a safe driver can cost as low as $122 per month, depending on your location.

          The comparison table below ranks the luxury cars with the most affordable insurance in Birmingham.

          Cheapest Luxury Cars to Insure in Birmingham
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,468$122
          Mercedes-Benz A220Compact$1,568$131
          BMW 330iCompact$1,686$141
          Acura TLXCompact$1,698$142
          Volvo S60Compact$1,710$143
          BMW 330eCompact$1,716$143
          BMW 228iCompact$1,728$144
          BMW 230iCompact$1,740$145
          Alfa Romeo GiuliaCompact$1,768$147
          Lexus RC 300Midsize$1,770$148
          Cadillac CT4Compact$1,776$148
          Lexus RC 350Compact$1,776$148
          Genesis G70Compact$1,804$150
          Mercedes-Benz AMG CLA35Midsize$1,810$151
          BMW i4Midsize$1,820$152
          Cadillac CT5Midsize$1,828$152
          Audi A3Midsize$1,846$154
          Audi A4Compact$1,850$154
          Mercedes-Benz AMG CLA45Midsize$1,852$154
          Audi S3Compact$1,854$155

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Birmingham, AL.Data last updated on November 18, 2022
            Cheapest Luxury Cars to Insure in Birmingham

            For all luxury car insurance comparisons, see our full luxury car insurance guide.

            Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Alabama.

            Cheapest luxury SUV insurance rates in Birmingham

            Ranking in the top five for the most affordable Birmingham car insurance rates in the luxury SUV segment are the Volvo XC40, Cadillac XT5, Acura RDX, Lexus NX 250, and Cadillac XT4. Car insurance quotes for these models average $1,586 or less per year.

            Not the cheapest to insure, but still ranked well, are models like the BMW X1, Lexus NX 350, Lexus UX 250h, and Lexus UX 200, with average insurance cost of $1,632 per year or less.

            Auto insurance in this segment for a safe driver starts at an average of $114 per month, depending on the company and your location.

            The lowest-cost compact luxury SUV to insure in Birmingham is the Acura RDX at $1,366 per year. For midsize luxury SUVs, the Cadillac XT5 is cheapest to insure at $1,570 per year. And for large luxury SUVs, the Volvo XC90 has the most affordable rates at $1,728 per year.

            The table below ranks the twenty SUVs with the lowest-cost car insurance rates in Birmingham, starting with the Acura RDX at $1,366 per year ($114 per month) and ending with the Lincoln Corsair at $1,690 per year ($141 per month).

            Cheapest Luxury SUVs to Insure in Birmingham
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,366$114
            Cadillac XT4Compact$1,400$117
            Volvo XC40Compact$1,534$128
            Cadillac XT5Midsize$1,570$131
            Lexus NX 250Compact$1,586$132
            BMW X1Compact$1,588$132
            Lexus NX 350hCompact$1,598$133
            Lexus UX 250hCompact$1,598$133
            Lexus NX 350Compact$1,626$136
            Lexus UX 200Compact$1,632$136
            Jaguar E-PaceMidsize$1,634$136
            Lexus RX 350Midsize$1,644$137
            Acura MDXMidsize$1,650$138
            Lincoln NautilusMidsize$1,666$139
            Lexus NX 450hCompact$1,670$139
            Mercedes-Benz GLB 250Compact$1,680$140
            Lexus RX 450hMidsize$1,682$140
            Land Rover EvoqueCompact$1,686$141
            Infiniti QX50Midsize$1,688$141
            Lincoln CorsairCompact$1,690$141

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Birmingham, AL.Data last updated on November 18, 2022
              Cheapest Luxury SUVs to Insure in Birmingham

              See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

              Don’t see your luxury SUV in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Birmingham car insurance quotes from the best car insurance companies in Alabama.

              Cheapest sports cars to insure in Birmingham

              The four cheapest sports cars to insure in Birmingham are the Mazda MX-5 Miata at $1,382 per year, Ford Mustang at $1,682 per year, BMW Z4 at $1,716 per year, and Subaru WRX at $1,814 per year.

              Not the cheapest, but still very affordable, are cars like the Subaru BRZ, Toyota GR Supra, Chevrolet Corvette, and BMW M3, with an average car insurance cost of $2,068 per year or less.

              Ranked between 10th and 20th place, cars like the Porsche 911, Porsche 718, Porsche Taycan, Mercedes-Benz AMG GT53, Jaguar F-Type, and Lexus RC F cost between $2,068 and $2,630 per year to insure.

              As a cost per month, full-coverage auto insurance in this segment for an average middle-age driver can cost as low as $115 per month, depending on the company and your location. The rate comparison table below ranks the twenty sports cars with the lowest-cost car insurance rates in Birmingham, starting with the Mazda MX-5 Miata at $1,382 per year ($115 per month) and ending with the Lexus LC 500 at $2,630 per year ($219 per month).

              Cheapest Sports Cars to Insure in Birmingham
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,382$115
              Ford MustangSports Car$1,682$140
              BMW Z4Sports Car$1,716$143
              Subaru WRXSports Car$1,814$151
              Toyota GR86Sports Car$1,860$155
              Toyota GR SupraSports Car$1,904$159
              Audi TTSports Car$1,946$162
              Subaru BRZSports Car$2,004$167
              Chevrolet CorvetteSports Car$2,010$168
              BMW M3Sports Car$2,068$172
              Porsche 718Sports Car$2,158$180
              Chevrolet CamaroSports Car$2,214$185
              Lexus RC FSports Car$2,266$189
              Dodge ChallengerSports Car$2,272$189
              Mercedes-Benz AMG GT53Sports Car$2,302$192
              Jaguar F-TypeSports Car$2,414$201
              Porsche TaycanSports Car$2,474$206
              Porsche 911Sports Car$2,536$211
              BMW M4Sports Car$2,544$212
              Lexus LC 500Sports Car$2,630$219

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Birmingham, AL.Data last updated on November 18, 2022
                Cheapest Sports Cars to Insure in Birmingham

                Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Alabama.

                How to find cheaper Birmingham car insurance

                Financially savvy drivers in Birmingham should always be thinking of ways to reduce the monthly expense for insurance So take a minute or two to look through the tips in this next list and maybe you’ll find a way to save some money the next time you need to insure a vehicle.

                • Don’t be a careless driver. Multiple at-fault accidents raise rates, possibly as much as $2,224 per year for a 20-year-old driver and as much as $650 per year for a 40-year-old driver. So drive safe and save!
                • Higher deductibles mean lower cost. Boosting your deductibles from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.
                • Tickets and violations can cost a lot. To get cheap auto insurance in Birmingham, it pays to be a conservative driver. As a matter of fact, just one or two minor infractions on your motor vehicle report could result in increasing insurance policy rates by at least $416 per year. Major convictions such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,458 or more.
                • More discounts means cheap auto insurance rates. Savings may be available if the insured drivers belong to certain professional organizations, insure their home and car with the same company, insure multiple vehicles on the same policy, are good students, or many other discounts which could save the average Birmingham driver as much as $274 per year.
                • Shop around for better rates. Taking 5-10 minutes before every policy renewal to get free car insurance quotes is our best recommendation for saving the most money. Companies change rates often and you can switch your coverage anytime.