Birmingham auto insurance protects drivers so that when the unexpected occurs, the insurance carrier takes care of all costs up to the policy limits for any property damage, medical bills or court awards. Without appropriate coverage for car insurance in Birmingham, motorists would be required to pay all costs associated with an accident out of their own savings.
This unexpected expense has the potential to create financial devastation for those already living on a budget, and the state of Alabama could also impose its own additional penalties for drivers involved in an accident without insurance.
Fortunately, finding auto insurance in Birmingham can be quick and easy when you use our instant car insurance quoting system. All you need to get started is to input your zip code in the box above. Then, you’ll receive rates and coverage information from highly rated auto insurance carriers immediately right to your computer browser.
The convenience of receiving this information online is that you can compare quotes from the comfort of home and then purchase the policy that’s right for you instantly hassle-free.
Car Insurance Agents In Birmingham
When you want a little personal attention and service, Birmingham offers plenty of local agents to assist you in researching and purchasing Birmingham car insurance. As a community resource, local agents understand Alabama insurance requirements and the unique insurance needs of area residents. Below you’ll find information about some of the nation’s largest and most reputable auto insurance carriers and the available agents in the community able to assist you with your vehicle coverage.
With over 50 Allstate Insurance agents in Birmingham and surrounding communities, Alabama motorists are sure to find expert auto insurance assistance conveniently located near home or office.
For auto insurance in Birmingham, Farmers Insurance offers maintains a team of 50 agents in the city and neighboring communities of Homewood, Vestavia, Irondale, Hoover, Fairfield, Gardendale, Fultondale, Hueytown, Mount Olive and Trussville.
Birmingham car insurance from Geico is available through one area agent, and drivers may also visit the Geico website or call the support hotline to receive rate information and purchase coverage.
The city of Birmingham is home to 10 Progressive Insurance agents available to assist Alabama residents with insurance coverage for their cars, boats, motorcycles, ATVs and golf carts.
State Farm Insurance has 50 agents serving Birmingham, Homewood, Mountain Brook and Vestavia Hills.
You may check the license of any Alabama insurance agent on the state’s Department of Insurance website. The site offers information about license records including company appointments, date of licensure and any complaints filed against agent or agency.
If your company is not listed in our resource, contact us using our site’s If you do not see your company on our resource list, please get in touch with us via our email form. At the present time, we only accept individual agent listings through our paid feature option.
Birmingham car Insurance Rates
CarInsurance.com reports that Birmingham auto insurance averages $1,384 per year making it 31 percent lower than the national average of $1,998 but 14 percent higher than the Alabama annual average of $1,187.
Driving in Birmingham
Birmingham is the largest city in Alabama with a population of 212,000; however, the city is part of a greater metropolitan area of 1.1 million residents from both Hoover and Birmingham (2010 U.S. Census). Founded in 1871, the city became well known as a transportation center for its iron and steel production as well as mining and railroads. In the 20th century, new industries emerged to include banking, medical care, education and insurance.
In fact, Birmingham plays a large role in the business economy of the Southeast. Transportation is supported through a large network of roads linking the state both internally and to its neighbors. Four major highways run through Alabama: I-20, I-65, I-59 and I-22.
An additional expressway, I-459, connects each of these interstate roads in the south, east, southwest and northeast. The greater metropolitan area experiences heavy traffic congestion especially during peak rush hour in the early morning between 6:30 and 7 a.m. and then again in the afternoon between 4 and 5 p.m.
The 2010 Inrix.com National Traffic Scorecard found that the Birmingham Hoover metro area ranks 34 out of 100 cities for having the most traffic congestion in a metropolitan area.
And while traffic congestion is an issue in the city, Birmingham drivers are among the safest in the nation according to the Allstate 2011 Best Drivers Report. Birmingham ranked 23 out of 200 cities for safety in driving with an average of 11.2 years between accidents.
Although the city of Birmingham ranks highly for driver safety when it comes to car accidents resulting in death, the county where it is situated, Jefferson, is ranked number one for having the most traffic fatalities of any other county in the state according to the United States Department of Transportation. In 2010 Jefferson County had 89 deaths due to car accidents with 50 of the fatalities involving single vehicle crashes and 34 caused by alcohol or drug impaired driving.
Real time traffic reports for Birmingham are available on the Traffic.com website. Area residents may visit the site to learn about traffic accidents, construction or road closures that can delay driving in the city. Traffic reports are also available by calling the Traffic Hotline at (866) MY-TRAFC.
Alabama Auto Insurance Laws
The State of Alabama requires that all motorists have liability insurance for their vehicle and carry proof of that coverage with them at all times. Violating Alabama auto insurance laws carries stiff penalties including fines between $500 to $1,000, driver’s license suspension, license plate suspension and reinstatement fees.
While the minimum car insurance requirements in Alabama are for bodily injury and property damage, insurance companies and agents recommend higher policy limits than the state required coverage in order to fully protect drivers and their property. See our Alabama car insurance resource for details about minimum requirements.
Birmingham Car Insurance Quotes
Compare Birmingham car insurance companies, rates and coverage by using our instant quoting tool. There’s never been an easier or more convenient way to shop for auto insurance in Birmingham. Enter your zip code in the space below to get started saving on your car insurance today.
Alabama Department of Insurance Automobile Rates