- Average car insurance cost in Birmingham is $1,598 per year, or about $133 per month, for a full-coverage policy.
- Monthly auto insurance rates for a few popular models in Birmingham include the Chevrolet Equinox at $125, Nissan Altima at $149, and Honda Accord at $139.
- For cheap auto insurance in Birmingham, crossover vehicles like the Mazda CX-5, Chevrolet Trailblazer, Hyundai Venue, and Buick Encore have better car insurance rates.
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.
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.
Specific vehicles and the cost of insurance
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
- Chevrolet Equinox – $1,494 per year ($125 per month)
- Nissan Altima – $1,786 per year ($149 per month)
- Honda Accord – $1,666 per year ($139 per month)
- Subaru Forester – $1,382 per year ($115 per month)
- Jeep Wrangler – $1,826 per year ($152 per month)
- Hyundai Elantra – $1,800 per year ($150 per month)
- Jeep Grand Cherokee – $1,762 per year ($147 per month)
- Honda CR-V – $1,396 per year ($116 per month)
- Toyota Corolla – $1,570 per year ($131 per month)
- Honda Civic – $1,580 per year ($132 per month)
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.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,214 | $101 |
| 2 | Nissan Kicks | $1,242 | $104 |
| 3 | Chevrolet Trailblazer | $1,252 | $104 |
| 4 | Honda Passport | $1,282 | $107 |
| 5 | Subaru Crosstrek | $1,282 | $107 |
| 6 | Toyota C-HR | $1,310 | $109 |
| 7 | Chevrolet Colorado | $1,314 | $110 |
| 8 | Buick Encore | $1,318 | $110 |
| 9 | Nissan Rogue Sport | $1,330 | $111 |
| 10 | Buick Envision | $1,356 | $113 |
| 11 | Hyundai Venue | $1,356 | $113 |
| 12 | Kia Seltos | $1,358 | $113 |
| 13 | Ford Maverick | $1,364 | $114 |
| 14 | Acura RDX | $1,366 | $114 |
| 15 | Toyota Corolla Cross | $1,368 | $114 |
| 16 | Subaru Ascent | $1,372 | $114 |
| 17 | Hyundai Kona | $1,378 | $115 |
| 18 | Mazda MX-5 Miata | $1,382 | $115 |
| 19 | Subaru Forester | $1,382 | $115 |
| 20 | Subaru Impreza | $1,382 | $115 |
| 21 | Volkswagen Tiguan | $1,384 | $115 |
| 22 | Chevrolet Spark | $1,394 | $116 |
| 23 | Honda CR-V | $1,396 | $116 |
| 24 | Cadillac XT4 | $1,400 | $117 |
| 25 | Mazda CX-30 | $1,414 | $118 |
| 26 | Ford Ranger | $1,420 | $118 |
| 27 | Honda HR-V | $1,436 | $120 |
| 28 | Ford Edge | $1,438 | $120 |
| 29 | Ford Ecosport | $1,448 | $121 |
| 30 | Chevrolet Trax | $1,464 | $122 |
| 31 | Subaru Outback | $1,464 | $122 |
| 32 | Acura ILX | $1,468 | $122 |
| 33 | GMC Terrain | $1,468 | $122 |
| 34 | Mitsubishi Eclipse Cross | $1,470 | $123 |
| 35 | Nissan Murano | $1,480 | $123 |
| 36 | Toyota Tacoma | $1,482 | $124 |
| 37 | Hyundai Tucson | $1,486 | $124 |
| 38 | Chevrolet Bolt | $1,488 | $124 |
| 39 | Honda Odyssey | $1,488 | $124 |
| 40 | Toyota Venza | $1,490 | $124 |
| 41 | Chevrolet Equinox | $1,494 | $125 |
| 42 | Volkswagen Taos | $1,498 | $125 |
| 43 | Ford Explorer | $1,500 | $125 |
| 44 | Fiat 500X | $1,504 | $125 |
| 45 | Toyota RAV4 | $1,506 | $126 |
| 46 | Kia Sorento | $1,508 | $126 |
| 47 | Kia Soul | $1,512 | $126 |
| 48 | Nissan Frontier | $1,518 | $127 |
| 49 | Hyundai Palisade | $1,530 | $128 |
| 50 | Volkswagen Golf | $1,534 | $128 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,382 | $115 |
| Chevrolet Spark | Compact | $1,394 | $116 |
| Volkswagen Golf | Compact | $1,534 | $128 |
| Subaru Legacy | Midsize | $1,546 | $129 |
| Honda Insight | Midsize | $1,552 | $129 |
| Volkswagen Jetta | Compact | $1,552 | $129 |
| Nissan Sentra | Compact | $1,558 | $130 |
| Kia K5 | Midsize | $1,570 | $131 |
| Toyota Camry | Midsize | $1,570 | $131 |
| Toyota Corolla | Compact | $1,570 | $131 |
| Kia Rio | Compact | $1,574 | $131 |
| Volkswagen Passat | Midsize | $1,576 | $131 |
| Honda Civic | Compact | $1,580 | $132 |
| Mazda 3 | Compact | $1,590 | $133 |
| Mazda 6 | Midsize | $1,592 | $133 |
| Toyota Prius | Compact | $1,592 | $133 |
| Hyundai Accent | Compact | $1,614 | $135 |
| Hyundai Veloster | Compact | $1,632 | $136 |
| Kia Forte | Compact | $1,634 | $136 |
| Chevrolet Malibu | Midsize | $1,658 | $138 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda CX-5 | Compact | $1,214 | $101 |
| Nissan Kicks | Compact | $1,242 | $104 |
| Chevrolet Trailblazer | Compact | $1,252 | $104 |
| Honda Passport | Midsize | $1,282 | $107 |
| Subaru Crosstrek | Compact | $1,282 | $107 |
| Toyota C-HR | Compact | $1,310 | $109 |
| Buick Encore | Compact | $1,318 | $110 |
| Nissan Rogue Sport | Compact | $1,330 | $111 |
| Buick Envision | Compact | $1,356 | $113 |
| Hyundai Venue | Compact | $1,356 | $113 |
| Kia Seltos | Compact | $1,358 | $113 |
| Toyota Corolla Cross | Compact | $1,368 | $114 |
| Subaru Ascent | Midsize | $1,372 | $114 |
| Hyundai Kona | Compact | $1,378 | $115 |
| Subaru Forester | Compact | $1,382 | $115 |
| Volkswagen Tiguan | Compact | $1,384 | $115 |
| Honda CR-V | Compact | $1,396 | $116 |
| Mazda CX-30 | Compact | $1,414 | $118 |
| Honda HR-V | Compact | $1,436 | $120 |
| Ford Edge | Midsize | $1,438 | $120 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,314 | $110 |
| Ford Maverick | Midsize | $1,364 | $114 |
| Ford Ranger | Midsize | $1,420 | $118 |
| Toyota Tacoma | Midsize | $1,482 | $124 |
| Nissan Frontier | Midsize | $1,518 | $127 |
| GMC Canyon | Midsize | $1,536 | $128 |
| Hyundai Santa Cruz | Midsize | $1,536 | $128 |
| Ford F150 | Full-size | $1,544 | $129 |
| Honda Ridgeline | Midsize | $1,554 | $130 |
| Jeep Gladiator | Midsize | $1,572 | $131 |
| GMC Sierra | Full-size | $1,626 | $136 |
| Nissan Titan | Full-size | $1,684 | $140 |
| Chevrolet Silverado | Full-size | $1,716 | $143 |
| Toyota Tundra | Full-size | $1,718 | $143 |
| Ford F350 Super Duty | Heavy Duty | $1,734 | $145 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,746 | $146 |
| Nissan Titan XD | Heavy Duty | $1,794 | $150 |
| Ram Truck | Full-size | $1,824 | $152 |
| GMC Sierra 2500 HD | Heavy Duty | $1,862 | $155 |
| GMC Sierra 3500 | Heavy Duty | $1,876 | $156 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura ILX | Midsize | $1,468 | $122 |
| Mercedes-Benz A220 | Compact | $1,568 | $131 |
| BMW 330i | Compact | $1,686 | $141 |
| Acura TLX | Compact | $1,698 | $142 |
| Volvo S60 | Compact | $1,710 | $143 |
| BMW 330e | Compact | $1,716 | $143 |
| BMW 228i | Compact | $1,728 | $144 |
| BMW 230i | Compact | $1,740 | $145 |
| Alfa Romeo Giulia | Compact | $1,768 | $147 |
| Lexus RC 300 | Midsize | $1,770 | $148 |
| Cadillac CT4 | Compact | $1,776 | $148 |
| Lexus RC 350 | Compact | $1,776 | $148 |
| Genesis G70 | Compact | $1,804 | $150 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,810 | $151 |
| BMW i4 | Midsize | $1,820 | $152 |
| Cadillac CT5 | Midsize | $1,828 | $152 |
| Audi A3 | Midsize | $1,846 | $154 |
| Audi A4 | Compact | $1,850 | $154 |
| Mercedes-Benz AMG CLA45 | Midsize | $1,852 | $154 |
| Audi S3 | Compact | $1,854 | $155 |
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).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,366 | $114 |
| Cadillac XT4 | Compact | $1,400 | $117 |
| Volvo XC40 | Compact | $1,534 | $128 |
| Cadillac XT5 | Midsize | $1,570 | $131 |
| Lexus NX 250 | Compact | $1,586 | $132 |
| BMW X1 | Compact | $1,588 | $132 |
| Lexus NX 350h | Compact | $1,598 | $133 |
| Lexus UX 250h | Compact | $1,598 | $133 |
| Lexus NX 350 | Compact | $1,626 | $136 |
| Lexus UX 200 | Compact | $1,632 | $136 |
| Jaguar E-Pace | Midsize | $1,634 | $136 |
| Lexus RX 350 | Midsize | $1,644 | $137 |
| Acura MDX | Midsize | $1,650 | $138 |
| Lincoln Nautilus | Midsize | $1,666 | $139 |
| Lexus NX 450h | Compact | $1,670 | $139 |
| Mercedes-Benz GLB 250 | Compact | $1,680 | $140 |
| Lexus RX 450h | Midsize | $1,682 | $140 |
| Land Rover Evoque | Compact | $1,686 | $141 |
| Infiniti QX50 | Midsize | $1,688 | $141 |
| Lincoln Corsair | Compact | $1,690 | $141 |
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).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,382 | $115 |
| Ford Mustang | Sports Car | $1,682 | $140 |
| BMW Z4 | Sports Car | $1,716 | $143 |
| Subaru WRX | Sports Car | $1,814 | $151 |
| Toyota GR86 | Sports Car | $1,860 | $155 |
| Toyota GR Supra | Sports Car | $1,904 | $159 |
| Audi TT | Sports Car | $1,946 | $162 |
| Subaru BRZ | Sports Car | $2,004 | $167 |
| Chevrolet Corvette | Sports Car | $2,010 | $168 |
| BMW M3 | Sports Car | $2,068 | $172 |
| Porsche 718 | Sports Car | $2,158 | $180 |
| Chevrolet Camaro | Sports Car | $2,214 | $185 |
| Lexus RC F | Sports Car | $2,266 | $189 |
| Dodge Challenger | Sports Car | $2,272 | $189 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,302 | $192 |
| Jaguar F-Type | Sports Car | $2,414 | $201 |
| Porsche Taycan | Sports Car | $2,474 | $206 |
| Porsche 911 | Sports Car | $2,536 | $211 |
| BMW M4 | Sports Car | $2,544 | $212 |
| Lexus LC 500 | Sports Car | $2,630 | $219 |
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.
