Car Insurance Quotes Birmingham
Car Insurance Quotes Birmingham
One of the primary determinants of car insurance costs in Birmingham is geographic location. Even within the city, rates are not the same. it solely depends on one ZIP code to another. This is because insurers assess risk based on factors such as accident rates, population density, and the prevalence of theft and vandalism in specific neighborhoods
The average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record can range from $1,930 in ZIP code 35244 to $2,287 in ZIP code 35211. This substantial difference underscores the importance of considering your specific location when obtaining insurance quotes. Other ZIP codes with notable median rates include 35242 ($1,935), 35226 ($1,959), 35216 ($1,988), 35209 ($2,119), 35205 ($2,126), and 35235 ($2,252).
The type of coverage you choose also impacts your car insurance rates. Birmingham law mandates minimum liability coverage of 25/50/25, which translates to $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident. However, this minimum coverage may not be enough to cover all costs in the event of a serious accident.
As such, many drivers opt for full coverage, which includes collision and comprehensive coverage in addition to liability. Full coverage provides more extensive financial protection, covering damages to your vehicle regardless of fault. However, it comes at a higher price. In Birmingham, the average monthly cost of full coverage is around $166, which is approximately $1,992 annually. In comparison, the average cost of state-required minimum or liability coverage is around $52 per month or $624 annually.
Birmingham drivers pay an average of $59 per month for liability-only policies and $141 per month for full coverage, which are lower than the national averages of $105 and $199, These are statewide averages, and Birmingham residents may experience higher rates due to the city’s specific risk factors
READ ALSO; car insurance quotes kansas city mo
Average cost of car insurance in Birmingham’s largest ZIP codes
Here are the most populated ZIP codes in Birmingham and the average annual cost of auto insurance for a 35-year-old driver with good credit and a clean driving record. The cost of auto insurance varies depending on where you live, even from one local area to the next. Some areas of a city may have higher rates of accidents or thefts, which can increase the price you pay.
ZIP Median Rate
35242……….$1,935
35215……….$2,239
35226………$1,959
35244………$1,930
35216………$1,988
35209……..$2,119
35211……….$2,287
35243……..$1,946
35205……..$2,126
35235……..$2,252
Average car insurance cost in Birmingham
In Birmingham, Drivers’ quotes can be impacted by a variety of factors, including the type of roadways, the number of accidents, and even the weather. Birmingham’s is $2,146.
Median City Rate Median State Rate
$2,146…………………………….$2,031
How Much Is Car Insurance in Birmingham, AL?
Birmingham’s full coverage auto insurance averages $166 per month, which is slightly higher than the national average of $148 and higher than the state average of $139, The state-mandated minimum liability averages $52, which is higher than the state average of $39 and the national average of $47. To help you make up your mind, we’ve included a list of other major Birmingham cities and their average annual car insurance quote.
Cities Full Coverage State-Required Minimum or Liability Coverage
Birmingham…………$1,992…………………..$624
Huntsville…………….$1,644…………………..$540
Mobile…………………$1,884…………………..$612
Montgomery………..$1,740……………………$552
Tuscaloosa…………..$1,716…………………….$540
Car Insurance Requirements in Birmingham
Alabama is a tort, or at-fault ,state, like many others. This means that in the event of a car accident, the at-fault driver is responsible for paying for the other parties’ medical bills and property damage.
The contributory negligence rule is followed in Birmingham, which makes it special. You might not be able to get compensation for an accident if you share any of the blame, according to the contributory negligence rule. Drivers must also present proof of insurance when operating a vehicle to avoid penalties.
The following coverages are included in Birmingham’s minimum liability insurance requirements of 25/50/25
Coverage Minimum Requirements
Bodily injury liability………………$25,000 per person and $50,000 per accident
Property damage liability………..$25,000 per accident
Birmingham Low-Cost Car Insurance Rates by Age
Your final insurance premium is determined by several factors. Your residence and credit score are two examples of these factors that can influence to some extent.
But there are some that you can’t control, like your age. You should anticipate paying varying rates for auto insurance according to your age. A breakdown of average monthly Birmingham auto insurance rates by driver age can be found below.
Age Full Coverage State-Required Minimum or Liability Coverage
18………..$604…………………$217
20……….$359………………….$126
30……….$160………………….$50
40……….$154………………….$49
50……….$147………………….$46
60……….$140…………………$45
70……….$153………………….$52
car insurance landscape in Birmingham requires a thorough understanding of the various factors that influence rates. For additional information, visit here
RELATED ARTICLE