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.

What Does Birmingham Car Insurance Actually Do For Me?

Car insurance protects you from financial devastation after a car accident. Liability insurance, which pays for car repairs and medical bills for other drivers if you cause an accident, is required for all drivers in Alabama. But the minimum coverage required by the state is likely not enough after a serious crash. Here are just a few of the ways a Birmingham car insurance policy can help you protect your assets.

  • Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
  • Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $25,000.
  • Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Nothing Required.
  • Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.

Who Pays If the Accident Wasn't My Fault?

The driver who caused the accident, of course. If you are hit by an uninsured driver, you have to pay for all of your own car damage and medical expenses. 19.6% of Alabama drivers are uninsured. Drivers without insurance have no financial backup plan for accidents. Other drivers on the road become financially responsible for an uninsured driver’s mistakes. That's why Alabama drivers need “uninsured motorist coverage.” It pays for things like medical bills and vehicle damage if an uninsured driver hits you. In Alabama, you are not required to have uninsured motorist coverage, but it can definitely bring about some peace of mind.

What Affects the Cost of Birmingham Auto Insurance?

The average Birmingham car insurance payment will be based on several personal characteristics, such as the following:

  • Your age
  • Your gender
  • Your ZIP code
  • Your history of accidents and claims
  • The kind of car you drive
  • The number of cars and drivers in your household

Where you live plays a huge role in what you pay for car insurance. It helps the insurance company determine how “risky” you are to insure. If you have a long daily commute or if your city has a high rate of auto theft, you likely will pay more for car insurance than someone with a short commute in a very safe city. Fortunately, most insurance companies offer a variety of discounts that may help to offset some of the costs. Your independent agent can help you determine if you are eligible for any discounts.

Here Are Some City Factors That Will Affect Your Rate:

Commute time: The more time you spend on the road, the more likely it is that you'll be in an accident. Drivers with longer daily commute times usually pay more for car insurance. Birmingham drivers spend slightly less time on the road than most, which can help keep insurance rates relatively low.

  • National Average: 25.4 minutes
  • Birmingham Average: 20.9 minutes

Theft in your city: Vehicle theft is a problem in Birmingham, which can lead to increased car insurance rates for local residents. But your car insurance is essential to protecting yourself. It can help reimburse you if your car is stolen or vandalized. If you live in Birmingham, protecting your car from theft should be a top priority. Here are some common-sense deterrents:

  • Never leave your car key in your vehicle.
  • Keep your vehicle in the garage whenever possible.
  • Never leave valuables in your vehicle, especially where they can be seen.
  • Never leave your vehicle running when you leave it.
  • Always roll up the windows and lock your car, even at home.
  • Always park in high-traffic, well-lit areas.

Remember to immediately report a stolen vehicle to the police and your insurance agent.

  • Auto Theft Rate in the U.S. (per 1,000 vehicles): 2.94
  • Auto Theft Rate in Birmingham (per 1,000 vehicles): 7.18

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.

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