🚗 Car insurance cost in Birmingham, AL (2027)
Estimated average: $2,258 per year — +5% vs. the U.S. average of $2,150.
With about 197,575 residents, Birmingham is a mid-size city and the #3 largest city in Alabama. Car insurance rates here are estimated at $2,258 per year, near the Alabama average of $2,258 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Birmingham with other Alabama cities.
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Birmingham car insurance FAQ
How much is car insurance in Birmingham, AL?
The estimated average is $2,258 per year — about the state average (0% vs. the Alabama average of $2,258, and +5% vs. the U.S. average).
Is car insurance more expensive in Birmingham than elsewhere in Alabama?
Birmingham has about 197,575 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Birmingham?
Compare at least three quotes from insurers active in Birmingham, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.