The best cheap car insurance companies in Birmingham, Alabama are Geico, USAA, Travelers, Allstate and Country Financial, based on Bankrate’s extensive research on the largest insurance carriers in the city by market share.These companies have been analyzed and we found that quality car insurance can often be obtained at a reasonable price.
Birmingham residents pay on average $1,764 annually for full-coverage car insurance.Based on annual premiums quoted. Your car insurance premium will be based on many factors. However, it is possible to get quotes from multiple companies to compare rates. We want to make it easy for you to make informed decisions as you search for the right company for you.
The best car insurance companies of Birmingham
You might consider Allstate, USAA, Travelers, and Geico if you’re looking for the best car coverage in Birmingham.These companies have low insurance costs, offer excellent customer service, and offer discounts.
Bankrate began by looking at the current premium information from Quadrant Info Services to determine which companies we would feature. This includes the market share of the largest carriers in Birmingham. We also looked at each company’s discounts and coverages.
Geico
Geico offers some of the best rates in Birmingham. However, the company is well-known for its excellent customer service. Geico was awarded the J.D. The Service category of the Power 2021 U.S. Insurance Digital Experience study was awarded to Geico. Geico is a good option if you prefer to manage your insurance online or via an app. Geico also offers one of the most extensive discounts in the business, including savings for military personnel, federal employees and students.
USAA
USAA offers a wide range of coverage and discounts, but it only sells products to military personnel, veterans, and their families. Despite being technically ineligible for membership due to limitations, USAA consistently scores high customer satisfaction from J.D. Power. USAA offers additional coverages than you would expect. This includes discounts for military personnel who store their car at a military base, or if they garage it on a military base.
Travelers
Travelers offers standard auto coverage at affordable rates. However, they also offer a variety of optional coverages that can be customized to your policy. You can add auto insurance endorsements to your policy, including new car replacement, accident forgiveness and rideshare coverage. There are many discounts available, including policy bundling and driver training. Travelers may be the right fit for you if you’re looking for a flexible policy.
Allstate
Allstate offers Birmingham average rates that are lower than the city’s median quoted premiums. There is also a unique way for you to earn rewards. If you participate in the company’s Drivewise or Milewise programs, you could save money on your car insurance and earn points for good driving. You can redeem your points for gift cards, hotels, car rentals, magazine subscriptions and other merchandise. Allstate offers classic car insurance and Mexican driving coverage.
Birmingham has the lowest car insurance
Geico is the cheapest car insurance company for Birmingham, followed by USAA Travelers, Allstate, Allstate, and COUNTRY Financial.Our research shows that these average rates are significantly lower than the Birmingham average.
The average cost of car insurance in Birmingham is $1,764 per year for full coverage. Alabama residents pay $1623 annually for full coverage. The national average premium for full coverage is $1674. Comparing premiums can help you find coverage that’s quite a bit cheaper than the average premiums.
But cost is only one aspect of car insurance policies to consider. Although finding cheap auto insurance policies might be your top priority, it is important to consider what coverages are available, which discounts you can get, and what customer service rates the company offers.
Birmingham insurance requirements
Alabama requires drivers to maintain auto insurance with 25/50/25 minimum requirements, which means that you must carry the following coverages and limits to drive legally:
- $25,000 per person for bodily injury
- $50k bodily injury per accident
- $25,000 Property Damage to Others
But, minimum coverage isn’t the only option. It doesn’t fit all situations. If you finance or lease a vehicle, the lender may require you to purchase collision and comprehensive coverage. Full coverage offers drivers greater financial protection and peace of mind.
Alabama is ranked seventh in the country for the highest number of uninsured motorists on the roadsAccording to the Insurance Information Institute, it is. Uninsured motorist coverage is recommended by many insurers to help protect your finances in the event of an accident involving uninsured drivers. Consult a licensed agent to help you determine the right coverage for your needs.
Birmingham: Car insurance discounts
There are many ways to save money on auto insurance in Birmingham. Discounts are a great way to reduce your insurance premium. These discounts are available throughout Birmingham and could reduce your annual premiums.
- Policy bundling discount: You may get a discount if your auto policy is purchased from the same company as your condo, home, or renters insurance.
- Automatic payments discountMany carriers offer additional discounts for customers who sign up to have their premiums automatically taken from their bank accounts.
- Discount for paid-in-full: Ask your company about discounts if you can pay your premiums upfront. You may be able to save money by paying your premiums in full.
- Student discounts: You can save money if you insure a driver younger than 25 or a student who is a full-time driver.
You might get a lower premium if you choose a company that offers discounts for multiple providers. Although discounts are often available on provider websites, there may be differences in availability by state. Talking to a representative of the company might be the best way for you to find savings opportunities.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company for you is based on your personal preferences and what features you are looking for. Insurance experts recommend that you choose a carrier that has strong financial ratings, excellent customer service scores, competitive rates, and offers the coverages and discounts you require. Comparing quotes from different companies can help you to find the right fit for your needs.
What amount of car insurance do you need in Birmingham?
Alabama’s minimum requirements are all you need to drive legally. Although the minimum limits are low, most insurance professionals recommend purchasing higher limits if possible. A higher liability limit means you have better financial protection in the event of an accident. You will need full coverage if you have a loan, lease, or other financial obligations.
Is Alabama a no-fault state?
Alabama is an at-fault state. Sometimes called a tort state. If you are at fault in an auto accident, then you will be responsible for the medical and property damages expenses of the other driver. These situations are not covered by auto insurance. However, if you cause injury or damage beyond your insurance limits, you’ll be responsible for any excess out of pocket.