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.
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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:
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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.
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*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.
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:
Completing a defensive driving course
Good student discount
Car safety feature discount
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!
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.