Car Insurance Quotes Birmingham al
Car Insurance Quotes Birmingham al
Car insurance serves as a safeguard for car owners, protecting against financial loss from accidents and other unforeseen events. In Birmingham, Alabama, the cost of car insurance not only reflects the individual driver’s profile but also varies significantly based on numerous external factors such as geographical location, age, and driving history.
The average cost of car insurance coverage in Birmingham is approximately $824 every six months, which averages to about $137 per month. this rate is higher than both the national average of $1,093 and the statewide average of $725 for Alabama. factor influencing car insurance costs is the driving record of the individual, particularly the presence of violations. In Birmingham, violations such as DUI, speeding tickets, and reckless driving can lead to an increase in insurance premiums. a DWI/DUI conviction raises the average six-month premium to $1,349, while a speeding ticket results in an average premium of $957. Reckless driving incurs an even higher cost at $1,330.
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What is the average cost of car insurance in Birmingham?
In Birmingham, the average cost of car insurance coverage is $824 every six months. That is more costly than the national average of $1,093 and more than the state-wide average of $725 in Alabama. The average rates for Birmingham car insurance are determined by age, credit score, driving record, and other typical Birmingham variables.
Average cost of car insurance in Birmingham’s largest ZIP codes
Where you live, even from one neighbourhood to another, affects how you pay for car insurance. The price you pay may go up in some areas of a city because of increased accident or theft rates. Here are the ZIP codes in Birmingham, al, along with the yearly premium for car insurance for a 35-year-old driver with good credit and no moving violations.
ZIP Median rate
35242………$1,994
35215……….$2,301
35226………$2,052
35244………$2,028
35216………$2,092
35209……..$2,114
35211………$2,281
35243………$2,045
35205………$2,172
35235………$2,315
Birmingham Car Insurance Rates by Age
According to our data, the majority of drivers in Birmingham are between 20 and 29. The age group with the lowest car insurance rates in Birmingham is those in their 50s, who pay an average of $736 every six months; drivers in their 60s pay no more than $751. Teenage drivers pay the highest insurance rates in Birmingham, and their rates decrease as they enter their 20s. Teenage drivers in Birmingham pay $6,893, a full $5,391 more than the second-highest rate paid by an age group.
Age Avg. 6 Mo. Premium
Teenagers……..$3,446
20s……………….$1,184
30s……………….$811
40s……………….$785
50s……………….$736
60s……………….$751
70s……………….$900
Birmingham car insurance Quote By Violation
Avoiding collisions and fines is the best strategy to maintain reasonable CAR insurance premiums, regardless of where you live. Because insurance companies give low-risk drivers the gift of cheap rates, at-fault collisions, DUIs, reckless driving charges, and speeding tickets all raise the cost of auto insurance.
When it comes to auto insurance, drivers in Birmingham who are found guilty of reckless driving pay a higher annual cost of $1,013 than the city average. On average, a speeding ticket raises your insurance rate by $267, but a DUI conviction raises your premiums by $1,051 year.
Incident/Violation Avg. 6 Mo. Premium
DWI/DUI………………………………………………………………..$1,349
Reckless Driving……………………………………………………….$1,330
At-fault Accident (damages less than $1,000)……………..$1,117
At-fault Accident (damages > $2,000)………………………..$1,196
Speeding Ticket (16-20 mph over speed limit)……………..$957
Factors Allowed in Birmingham Car Insurance Rates
Are you aware of the things your insurance company considers? The following details can be used by insurance firms in Birmingham to help in calculating your premium:
- Age
- Zip code
- Education & Occupation
- Marital status
- Credit score
- Gender
As soon as any of these things change for example, you get married or your credit score rises—you should notify your insurance provider!
By fostering greater awareness of these dynamics, drivers can make informed decisions that best suit their needs and budget, ensuring a safer driving experience on Birmingham roads. For additional information visit here
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