Car Insurance Quotes Birmingham

Car Insurance Quotes Birmingham

*Best Car Insurance Quotes in Birmingham

Car insurance quotes in Birmingham change based on factors such as traffic levels, accident rates, and population density, all play a role in raising premiums. Because of this, finding quotes from different insurance companies is necessary. Each company looks at things like your driving record, age, credit score, and vehicle type to set prices. Some drivers qualify for discounts. These may include safe driver savings, multi-vehicle discounts, or price reductions for combining auto and home insurance. Programs that track driving habits through mobile apps may also lower your rates.

Drivers in Birmingham, Alabama, pay more for car insurance than many others in the state and across the country. On average, full coverage car insurance in Birmingham costs $166 per month, which is higher than the Alabama state average of $139 and the national average of $148. For the state-required minimum liability coverage, the average monthly cost is $52, also above the state average of $39 and the national average of $47.

Acquiring car insurance quotes in Birmingham makes it easier to get coverage that suits your needs and budget. With simple online tools, you can easily compare options and select what works best for you. Having the right insurance not only protects you on the road but also meets legal requirements. Taking a few minutes to analyse quotes can help you get the best quote you desire. This guide provides detailed information about car insurance quotes in Birmingham.

READ MORE: Car Insurance Quotes State Farm

Birmingham Car Insurance Minimum Requirements

In Birmingham, AL, drivers are required to have a minimum car insurance coverage to legally drive on the road. This includes bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as property damage liability coverage of $25,000 per accident. These limits help cover the cost of injuries or damage caused to others in an accident. Having at least this level of coverage is essential for meeting state laws and protecting yourself financially.

Information Needed for Birmingham Car Insurance Quotes

Here is the basic information you will need to get car insurance quotes:

•  Driver’s license number
•  Vehicle make, model, and year
• Vehicle Identification Number (VIN)
• Current mileage on the car
•  How the car is used (daily commute, business, etc.)
•  Your home address
•  Driving history (accidents, tickets, claims)
• Names and info of other drivers on the policy

Average Car Insurance Quotes in Birmingham

Full coverage car insurance in Birmingham costs around $166 per month, which is more than the Alabama average of $139 and the national average of $148. If you are looking for just the state-required minimum coverage, the average cost is about $52 per month. That’s still higher than the state average of $39 and the national average of $47. These numbers show that insurance in Birmingham tends to be a bit more expensive than in other places.

Birmingham Car Insurance Rates by Age

 Younger drivers:

•  18: $604 (full), $217 (minimum)
• 20: $359 (full), $126 (minimum)

Adult drivers:

• 30: $160 (full), $50 (minimum)
• 40: $154 (full), $49 (minimum)
• 50: $147 (full), $46 (minimum)

Senior drivers:

• 60: $140 (full), $45 (minimum)
• 70: $153 (full), $52 (minimum)

READ MORE: Car Insurance Quotes Full Coverage

Birmingham Car Insurance Quotes by Driving Record

Here is a list of car insurance quotes by driving record in Birmingham:

• Travelers: $1,454
• Auto-Owners: $1,973
• GEICO: $2,059
• Progressive: $2,094
• State Farm: $2,209
• USAA: $1,522 (for eligible members)

Factors That Affect Car Insurance Quotes in Birmingham

Factors allowed in Birmingham car insurance rates:

• Age
• Zip code
•  Education & occupation
• Marital status
•  Credit score
• Gender

How to Get Car Insurance Quotes in Birmingham

Here are five tips to get car insurance quotes in Birmingham:

•  Research insurance providers
• Gather the necessary vehicle and driver information
•  Fill out quote forms (online or in-person)
• Compare quotes from multiple providers
• Choose and purchase a policy that suits your needs

Finding the right car insurance in Birmingham does not have to be difficult. By comparing quotes and understanding your coverage needs, you can get a policy that suits both your needs and your budget. Whether you want full coverage or just a simple quote. If you think this article has been helpful, share your thoughts and suggestions in the comments section below. Click here for more information.

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