Car Insurance Cost in Birmingham, AL – 2024 Rates + Comparisons

• Average car insurance cost in Birmingham is $1,922 per year, or about $160 per month, for a full-coverage policy.
• Monthly auto insurance rates for a few popular models in Birmingham include the Chevrolet Equinox at $148, Nissan Altima at $174, and Honda Accord at $155.
• For cheap auto insurance in Birmingham, crossover vehicles like the Subaru Crosstrek, Kia Soul, Mazda CX-5, and Toyota Corolla Cross have better car insurance rates.

What is average car insurance cost in Birmingham?

The average car insurance expense in Birmingham is $1,922 per year, or approximately $160 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 $1,883.

In the state of Alabama, the average cost of car insurance is $1,736 per year, so the average cost in Birmingham is $186 more per year. The cost of insurance in Birmingham compared to other Alabama cities is about $210 per year more than in Huntsville, $164 per year more than in Tuscaloosa, and $54 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 – $6,843 per year or $570 per month
• 17 year old – $6,631 per year or $553 per month
• 18 year old – $5,943 per year or $495 per month
• 19 year old – $5,411 per year or $451 per month
• 20 year old – $3,868 per year or $322 per month
• 30 year old – $2,050 per year or $171 per month
• 40 year old – $1,922 per year or $160 per month
• 50 year old – $1,702 per year or $142 per month
• 60 year old – $1,596 per year or $133 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 2024 vehicle models including luxury vehicles.

The average cost of auto insurance per month in Birmingham is $160, with policy premium ranging from $133 to $368 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 2024 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 – $1,770 per year ($148 per month)
• Nissan Altima – $2,082 per year ($174 per month)
• Honda Accord – $1,858 per year ($155 per month)
• Subaru Forester – $1,714 per year ($143 per month)
• Jeep Wrangler – $2,194 per year ($183 per month)
• Hyundai Elantra – $2,090 per year ($174 per month)
• Jeep Grand Cherokee – $1,922 per year ($160 per month)
• Honda CR-V – $1,640 per year ($137 per month)
• Toyota Corolla – $1,874 per year ($156 per month)
• Honda Civic – $1,702 per year ($142 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 $2,166 per year cheaper than for a 20-year-old driver.
• Cost per month ranges from $133 to $570 – 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 $1,818 less each year than a 20-year-old driver, $2,050 versus $3,868.
• Teen females have cheaper rates than teenage males – Teenage females pay $834 to $448 less per year than their male counterparts.
• Birmingham car insurance rates are more expensive than the Alabama state average – $1,922 (Birmingham average) versus $1,736 (Alabama average)
• Insurance for teenagers can cost a lot – Average cost ranges from $4,577 to $6,843 per year to insure a teenage driver in Birmingham.
• Birmingham average car insurance cost is more than the U.S. average – $1,922 (Birmingham average) compared to $1,883 (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 Chevrolet Trailblazer, Subaru Crosstrek, and Hyundai Venue. Average auto insurance prices for those small SUVs cost $1,562 or less per year, or $130 per month, for a full coverage policy.

Additional models that are in the top 20 in our overall cost comparison are the Chevrolet Colorado, Acura RDX, Volkswagen Taos, and Volkswagen Tiguan.

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 $1,650 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.

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 Toyota GR Corolla ranks at #1 for the most budget-friendly non-luxury car to insure in Birmingham, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $1,670 per year for a policy with full coverage.

Also ranking well in our comparison are cars like the Chevrolet Malibu, Hyundai Ioniq 6, Honda Accord, and Kia K5, with an average car insurance cost of $1,862 per year or less.

In the lower half of the top 20 cars to insure, models like the Hyundai Sonata, Toyota Corolla, Kia Forte, Mazda 3, and Nissan Versa cost between $1,862 and $1,986 per year for auto insurance.

Full-coverage auto insurance for this segment in Birmingham for a middle-age safe driver starts at around $139 per month, depending on your location.

If vehicle size is considered, the most budget-friendly compact car to insure in Birmingham is the Toyota GR Corolla at $1,670 per year, or $139 per month. For midsize 2024 models, the Hyundai Ioniq 6 has the best rates at $1,768 per year, or $147 per month. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,822 per year, or $152 per month.

The rate comparison table below ranks the twenty cars with the most affordable average insurance rates in Birmingham, starting with the Toyota GR Corolla at $1,670 per year and ending with the Mazda 3 at $1,986 per year.

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 Kia Soul, Chevrolet Trailblazer, Nissan Kicks, Honda Passport, and Subaru Crosstrek. Auto insurance prices for these models average $1,532 or less per year.

Not the cheapest, but still in the top 10, are models like the Toyota Corolla Cross, Ford Bronco Sport, Hyundai Venue, and Buick Envision, with an average cost to insure of $1,574 per year or less.

Some additional models that make the list include the Subaru Ascent, Nissan Murano, Honda CR-V, and Kia Niro, which cost between $1,574 and $1,672 to insure per year.

As a cost per month, full-coverage insurance on this segment in Birmingham will start around $118 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 Subaru Crosstrek at $1,420 per year, or $118 per month. For midsize models, the Honda Passport has the best rates at $1,532 per year, or $128 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,806 per year, or $151 per month.

The rate comparison table below ranks the SUVs with the cheapest car insurance in Birmingham, starting with the Subaru Crosstrek at $1,420 per year and ending with the Honda HR-V at $1,672 per year.

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 $1,644 per year, Nissan Titan at $1,798 per year, Nissan Frontier at $1,814 per year, and Ford Ranger at $1,836 per year.

Other models that have cheaper rates include the GMC Sierra 2500 HD, Honda Ridgeline, GMC Canyon, and Hyundai Santa Cruz, with an average cost to insure of $1,978 per year or less.

Auto insurance rates in this segment starts at an average of $137 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.

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 Acura TLX, Acura Integra, Lexus IS 300, BMW 330i, and Mercedes-Benz CLA250. Auto insurance prices for these models average $1,990 or less per year.

Other models that have cheaper rates include the Cadillac CT4, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus ES 350, with average rates of $2,022 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 $142 per month, depending on your location.

The comparison table below ranks the luxury cars with the most affordable insurance 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 Cadillac XT4, Jaguar E-Pace, Acura RDX, Cadillac XT5, and Lexus NX 250. Car insurance quotes for these models average $1,814 or less per year.

Not the cheapest to insure, but still ranked well, are models like the Lexus NX 350h, Lexus UX 250h, Mercedes-Benz GLB 250, and Lexus NX 450h, with average insurance cost of $1,852 per year or less.

Auto insurance in this segment for a safe driver starts at an average of $134 per month, depending on the company and your location.

The lowest-cost compact luxury SUV to insure in Birmingham is the Acura RDX at $1,608 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,796 per year. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,156 per year.

The table below ranks the twenty SUVs with the lowest-cost car insurance rates in Birmingham, starting with the Acura RDX at $1,608 per year ($134 per month) and ending with the Lexus NX 350 at $1,928 per year ($161 per month).

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 $1,778 per year, Toyota GR86 at $2,026 per year, Ford Mustang at $2,110 per year, and BMW Z4 at $2,122 per year.

Not the cheapest, but still very affordable, are cars like the Nissan Z, Toyota GR Supra, Lexus RC F, and Subaru BRZ, with an average car insurance cost of $2,296 per year or less.

Ranked between 10th and 20th place, cars like the Jaguar F-Type, BMW M3, Lexus LC 500, Porsche 911, BMW M4, and Chevrolet Camaro cost between $2,296 and $3,254 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 $148 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 $1,778 per year ($148 per month) and ending with the Porsche Taycan at $3,254 per year ($271 per month).

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 $2,744 per year for a 20-year-old driver and as much as $800 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 $300 per year for a 40-year-old driver and $588 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 $512 per year. Major convictions such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,784 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 $326 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.