🚗 Car insurance cost in Birmingham, AL (2026)
Estimated average: $2,258 per year — +5% vs. the U.S. average of $2,150.
$2,258
Est. car insurance in Birmingham
per year
$2,258
Alabama average
$2,150
U.S. average
197,575
Population
Estimate your car insurance in Birmingham
Birmingham car insurance estimator
Estimated$3,952/year
Starts from the Birmingham estimate. Get quotes to confirm your price.
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.