Cheap Car Insurance in Birmingham, Alabama

The largest city is Alabama has plenty of options for cheap car insurance. Birmingham is home to an estimated 212,500, as well as a healthy craft beer and chef-owned gourmet restaurant scene. A regional commercial center, the city is the headquarters for two major banks, Regions and BBVA. A relatively low cost of living, scenic beauty and job opportunities have earned Birmingham a spot on many “Best Places to Live” rankings.

Driving Conditions in Birmingham

GPS maker TomTom ranked Birmingham as the fifth best U.S. City for traffic, based on its fifth annual Traffic Index. The report used trip data from its 400 million users to study gridlock in major cities. Birmingham's traffic congestion adds just under 14 percent to a typical commute time, the report states, while the norm for large U.S. cities is around 20 percent.

Census Bureau data reports Birmingham has an average commute time that is on par with the U.S. average of just over 25 minutes.

Real-time cameras, maps and traffic information can be accessed at

Unique Laws in Birmingham

Alabama laws prohibit 16-year-old drivers from having more than 4 occupants in the car unless accompanied by a parent or guardian, and they cannot drive between midnight and 6 a.m. unless going to school, work or a medical emergency.

A list of odd laws assembled by Thrillist points out that Alabama, thankfully, has banned driving while blindfolded. A 1964 Birmingham law states it is illegal “for a toilet facility to become so unclean “that foul and offensive odors arise therefrom.” Other city statues ban putting slugs or buttons into parking meters, skating outside a church while services are in session or riding a bicycle at “a speed greater than reasonable and prudent under the conditions then existing.”

Birmingham Crime Statistics

Often ranked as one of the country's most violent cities, Birmingham ranked fifth in homicides for 2015, according to FBI data, and 8th for property crimes.

The Birmingham-Hoover metro area had 3,671 cases of auto theft in 2016, according to the National Insurance Crime Bureau, or a rate of 337 incidents per 100,000 people. The rate is a jump from the prior year, when the auto theft rate in Birmingham was on par with the U.S. average of 220 incidents per 100,000 people.

Birmingham Safety Requirements

Drivers and front-seat passengers must wear seat belts in Alabama. Babies up to a year old or 20 pounds must ride in a rear-facing infant seat, and those up to age 5 or 40 pounds must ride in a child safety seat. Five-and 6-year-olds are required to ride in booster seats and anyone under 15 must wear a seat belt. Drivers aged 16 and 17 with intermediate licenses are banned from using cellphones. Texting and driving has been prohibited in Alabama since 2012.

Birmingham Impaired Driving Laws

Much like the rest of the U.S., the legal breath or blood alcohol content in Alabama is 0.08.

There is no minimum mandatory jail sentence for first-time offenders, but they will pay up to $2,000 in fines and receive a driver's license suspension of 90 days, according to the Alabama Law Enforcement Agency. Second offenders serve a minimum of 48 hours in jail and pay higher fines, while third offenders spend 60 days in jail and can pay up to $10,000 in fines with up to three years license revocation.

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Car Insurance Birmingham, Alabama Agents

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  • Chris Dorris - State Farm Insurance Agent


    Chris Dorris
    State farm insurance agent since 1990 here in hoover, al. Call or stop by the office today for a fast and accurate insurance quote!

    What makes your specific agency stand out from your competition?
    Rule #1 - if we don't take care of the customer, somebody else will! We focus on auto insurance, home insurance, renters insurance and life insurance throughout the hoover, al area. When the unfortunate incidents occur we pledge to be there to assist you-through the good & the bad.

    • Good Driving Discount

      Good Student Discount

      Multi-line Discount

      Safe Driver Discount

    • License

    • AL-37893

    2717 John Hawkins Parkway Suite 115
    Birmingham, AL 35244
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  • A State Farm Agency


    Michael O'neal
    13 year state farm agent with fully licensed staff offering home, auto, life and health insurance. Stop by, call, or click for a quote today!

    512 Montgomery Hwy, Ste 100 Birmingham, Al
    Birmingham, AL 35216
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  • Aaa Insurance


    2400 Acton Rd
    Birmingham, AL 35243
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    AAA Travel is the best travel agency around! They always get me the best deals. My agent provides me with the best advice and recommendations to make sure I have a wonderful trip.

    AAA Travel did an awesome job booking my last vacation. Agent was very knowledgeable and they beat the price I found on the Internet. Will use the again!

  • Ashley A Bruette Agency


    3430 Independence Dr
    Birmingham, AL 35209
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    Reviews like the best and most friendly service!! Ashley has been my agent for 2 years and was able to offer my my car insurance for over $250 less and my homeowners $85 less that my previous company. When I was unfortunate enough to have a claim, she was very patient in dealing my thousands of questions and was able to ease my stress by helping me to understand it and alk me through the process as painless as possible. I don't think you could ask for a better insurance agent!

    Ashley has been a wonderful agent over the years. She was just a phone call away when my car had a flat tire leaving work one night. Someone was there to fix my flat in no time and I was on my way. Ashley is a great agent and I recommend her to everyone!!

  • Greenhalgh Insurance Agency, Inc.


    3144 Cahaba Heights Rd
    Birmingham, AL 35243
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    The agents that work here are always polite and helpful. top rate company

  • J E Mike Bell


    1214 Forestdale Sq
    Birmingham, AL 35214
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    Jimmy and Rusty are true professionals. They help to make this complicated decision simple with out using pushy tactics.

    Super helpful and friendly

  • Rene' Burke


    4851 Cahaba River Rd Ste 117
    Birmingham, AL 35243
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    I am retired from the insurance industry with more than forty years in the property and casualty fields. I realize the importance of having a knowledgeable and aggressive agent to handle my personal insurance. Rene', is not only knowledgeable and aggressive, but she is always available.

    Rene and her staff were very thorough and helpful with all of my insurance needs that fit my particular situations. They explained my coverages and made sure I understood each policy auto, home, and life before leaving the office. Would definitely recommend them!

  • Aaa Insurance
  • Adam Canant
  • Adcock
  • Alabama General Insurance Agency
  • Alabama Insurance Agency
  • Alabama Insurance Agency
  • Alabama Insurance Agency
  • Alabama Insurance Agency
  • Alabama Insurance Center
  • Alabama Insurance Exchange
  • Alasure Insurance
  • Alexander Insurance Agency
  • All American Insurance Agency
  • American Insurance Agency
  • Anb Insurance Services
  • Annette Chase
  • Anre D Faush
  • Beacon Insurance Group
  • Blomeley Insurance Group
  • Blythe Insurance Agency
  • Bob Ezekiel
  • Bob Pirkle
  • Bobby Jones
  • Brandon Gurley
  • Branham Insurance Agency
  • Breck Price
  • Brenda Dailey
  • Brennan Agency
  • Brian Campbell
  • Buddy Wade
  • Buddy Womochil
  • Calvert Bibb
  • Chandler Brothers
  • Charles Burns
  • Chris Peoples
  • Clark Associates
  • Claude Houser
  • Cobbs Allen & Hall
  • Cooley Insurance
  • Crc Insurance Services
  • Cullifer & Associates
  • Curtis Gwathney Jr
  • Danny Thomason
  • Danny Wakefield
  • Darrel Campbell
  • Darryl Humes
  • Dave Smith Insurance Services
  • David J Rosetta Agency
  • David Porter
  • Dean Pappas
  • Dick Webb Agency
  • Dixon Moore Agency
  • Don B Goldstein Jr
  • Don Roberts
  • Don Taylor
  • Dona Tucker
  • Donald Alston
  • Doug Elliott
  • E Bryant Cottingham
  • Ed Patridge
  • Emanuel Madonia
  • Emc - Birmingham Brance
  • Ernie E Wiechman
  • Everette Insurance
  • Eyal Ron
  • Ferlincia Patterson
  • Flagstar Insurance
  • Fred Quinn
  • Gary Mann
  • Gary Ross
  • Gene Lance Weeks
  • Harris Insurance
  • Hayes-rasbury Insurance Agency
  • Hayes-rasbury Insurance Agency
  • Hilb, Rogal & Hobbs
  • Hines Ridolphi Carper & Aman
  • Homeservices Insurance
  • Houseal Insurance & Bonding
  • Independent Insurance Agents
  • Insurance Coverage
  • Insurance Office Of America
  • Insurance Place
  • J H Berry Insurance Agency
  • J R Prewitt & Associates
  • J. Smith Lanier & Co.
  • James Champion
  • Jeremy Blalock
  • Jerome Sims
  • Jerri Burnett
  • Jerry A Gardner
  • Jerry R Burnett
  • Jessup Standifer
  • Jim Gorman
  • Jim Todd
  • Jimmy Moore
  • John David Reed
  • John Patterson
  • Jones-williamson Insurance
  • Judy Carter & Associates
  • Jyc Insurance Agency
  • Kaizen Insurance Alliance
  • Kaizen Insurance Alliance
  • Kelly Bishop-hicks
  • Ken Caldwell Insurance Agency
  • Ken Taylor
  • Kirby Insurance Agency
  • Ladd Insurance Agency
  • Lambert Agency
  • Larry Mckinney
  • Larry Reed
  • Leo Blankenship
  • Louis Porter Kelker
  • Louise Hodges
  • Lyn Holland
  • Mac Denson
  • Mailon Kent Insurance Agency
  • Marcus Williams Insurance Agency
  • Marnie Erdman Watson
  • Marsh Usa
  • Master Quote Insurance
  • Max Blalock
  • Mcgriff Seibels & Williams
  • Melvin Humes
  • Metlife Auto & Home
  • Metlife Auto & Home
  • Michael Gray
  • Mike Hodges
  • Mike Kennedy
  • Mikos Kampakis Insurance
  • Mitch Carbonie
  • Molton Allen & Williams
  • Mutual Assurance Agency
  • Mutual Assurance Agency
  • Natalie Glover
  • Neil Flowers
  • Nesbitt & Associates
  • New South Agency
  • Norman Hodge
  • O M Hughes Insurance
  • Pac Insurance Agency
  • Pac Insurance Agency
  • Pac Insurance Agency
  • Palomar Insurance
  • Pat Donalson
  • Pat Lowe Insurance Agency
  • Patrick W Matthews
  • Pete Russell
  • Pete Russell
  • Pinckard Agency
  • Prime South Insurance Group
  • Rallis Jones
  • Randy Jones Insurance Agency
  • Reggie Whitaker
  • Richard Gilmer
  • Richard Reid
  • Richard Wood
  • Robert Baird
  • Robert E Langston & Associates
  • Robert Hodges
  • Robert Kinsey
  • Robert Logan
  • Robinson-adams Insurance
  • Rodney D Davis
  • Roger L Watts
  • Ron Foster
  • Ron Jones
  • Ron Nash
  • Ron Walters Insurance Agency
  • Ronald Hall
  • Ronnie Rivera
  • Royale Standards Insurance Agency
  • Russ Richardson Agency
  • Russell Phillips
  • Russell Prewett
  • Rusty Jessup
  • Rutledge Insurance Agency
  • S S Nesbitt & Company
  • Senitra C Blackburn
  • Sevier, Fowlkes & Jackson
  • Shawn Council
  • Sheri Smith
  • Sidney K Brooks
  • Southern Insurance Services
  • Spirit Insurance Agency
  • Stanley Quinn Wormely
  • Steve Baacke
  • Steven Clark
  • Stewart Insurance Agency
  • T K Smith Insurance Agency
  • The Insurance Shop
  • Theo Hawthorne
  • Tim Neal
  • Tom Ventress Iii
  • Tommy Coshatt
  • Tommy Zito
  • Tragg Tew
  • Trammell L Norris
  • Trammell, Harper & Williams
  • Trans Con Assurance
  • Truitt Insurance Agency
  • W A J (andy) Swann
  • William Felton
  • Willis Of Alabama
  • Yellowhammer Insurance, Inc.

Auto body shops Birmingham, Alabama

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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