Birmingham Car Insurance

Your Complete Car Insurance Guide for Birmingham, AL

Find the right car insurance policy for you.

Imagine causing a pileup on Birmingham's I-65 freeway. Not only did you hit one car, but after hitting the brakes, you also spun out and hit another car in the lane next to you. Did you know that any damage to the vehicles you hit and any medical bills those drivers accumulate are now in your hands? This is where car insurance comes in to protect your finances. To find a Birmingham auto insurance policy that meets your needs and budget, you can work with one of our local Independent Insurance Agents. They can assess the risks you face as an Alabama driver and make sure you are set up with the right coverage.

How Much Does Birmingham Car Insurance Cost?

Car insurance is a necessity for Birmingham drivers. But don’t settle for a one-size-fits-all approach. The price you pay should be based on your unique characteristics, such as where you live, what make and model your car is and how far you drive to work or school every day. You should evaluate multiple policy options to make sure you are picking the right mix of coverage for your needs, without breaking the bank. Don’t overpay for your Birmingham auto insurance. Talk with an agent today about the cost and coverage options that are available to you. After weighing out your options, the average cost of Birmingham car Insurance is $199 Per Month.

Alabama Car Insurance Requirements

Alabama requires every driver to have a minimum amount of auto insurance. Drivers without the required coverage face stiff fines. In order to comply with Alabama law, drivers must have the following coverage, at a minimum: 

· Bodily injury liability: Required

· Property damage liability: Required

· Personal injury protection (PIP): Not required

· Uninsured motorist coverage: Not required

· Minimum liability limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage

Talk to an agent about the importance of purchasing more than the minimum liability insurance required by the state. The minimum coverage may be enough to cover damage from a minor accident. But if you cause a serious accident, the minimum coverage likely won’t protect you. If you don’t have enough coverage, you’ll have to pay out of pocket for expenses that exceed your coverage limits. And if you’re sued for additional damages, the financial consequences can be devastating. Purchasing higher liability insurance limits is usually the best way to ensure you are protected. An independent agent can help you decide what coverage limits are best for you and your family.

Number of Uninsured Motorists in Alabama

Driving without insurance is against the law in Alabama, yet many drivers continue to drive without coverage. Uninsured drivers in Alabama face a $200 fine for the first offense, $300 for the second offense, and $400 for the third and any subsequent offenses. Failure to pay the fine will result in a suspended license. The state of Alabama recently enacted these new, stronger penalties in an attempt to combat the high number of uninsured drivers in the state. Alabama has the 6th highest percentage of uninsured drivers in the U.S.

  • How many US drivers are uninsured? 13%
  • How many Alabama drivers are uninsured? 18.4%.

If you are in an accident that is caused by an uninsured driver, it may be difficult or impossible to collect what the other driver owes you for repairs and medical bills. Uninsured motorist insurance was created to ensure that you can receive compensation without the need to take the at-fault driver to court. Uninsured motorist coverage is optional in Alabama, but with so many uninsured drivers on the road, going without could be a serious mistake.

Number of Auto Thefts in Alabama

The auto theft rate in Auburn is lower than in Alabama and the US overall. But around 78 cars are stolen in Auburn each year, on average, which means drivers still need to take precautions and be sure they have the right coverage for auto theft.

  • National auto theft rate per 1,000 vehicles: 2.28
  • Alabama auto theft rate per 1,000 vehicles: 2.68
  • Auburn auto theft rate per 1,000 vehicles: 1.24

If your car is stolen or vandalized, you need comprehensive coverage to reimburse you for your lost or damaged car. Comprehensive coverage also helps you pay if falling objects, floods, structure fires, or other hazards cause damage to your car.  An independent agent in Auburn can help you review the cost to include this coverage in your policy.

How to Find Affordable Auto Insurance in Birmingham

Our independent insurance agents take pride in offering quality, affordable car insurance to Birmingham residents. Our agents aren't tied down to one carrier. They can get quotes from numerous insurance companies so you have a variety of policy options. No matter where you live or what you drive, a reliable agent will assess the risks you face so you can find coverage that meets your needs and budget.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn