Car Insurance in Birmingham, AL

Learn essential facts about car insurance in Birmingham, AL.
Compare, shop and customize quotes from top-rated insurance carriers.

Welcome to Birmingham

Founded in 1871. Birmingham began with a trading post and a county store. Several factors fueled its growth, including the crossing of the Alabama & Chattanooga and South & North Alabama railroads and several nearby deposits of iron ore, coal and limestone. Rapid expansion during the early 20th century earned Birmingham its nickname, "The Magic City." 

Today, Birmingham has a diversified economy along with a unique history and a thriving arts scene. Area residents work in a variety of industries, including banking, education, health care, technology and telecommunications. In 2022, the U.S. Census Bureau estimated Birmingham's population at 196,910. The region has a humid subtropical climate with hot, muggy summers and mild winters. 

Commuting in Birmingham

Birmingham's MAX Transit system serves the entire metro area. Operated by the Birmingham Jefferson County Transit Authority, the system offers over 40 bus and trolley routes. However, many routes do not run past 8 p.m. and there is no Sunday service. Consequently, most people in Birmingham drive to and from their destinations. 

Birmingham households typically have at least two vehicles. The average Birmingham driver spends 21.7 minutes on the road while commuting to work or school. With so much time spent on the roads, auto insurance is an essential need for the city's residents. Let VIU by HUB help you find coverage that fits your needs, budget and lifestyle. 

Understanding Car Insurance in Birmingham, AL

No matter how careful you are behind the wheel, you can't control everything. Auto insurance safeguards against serious financial losses from unforeseen events. Knowing state requirements, coverage types and average costs can help you pick a policy that best meets your needs. 

Alabama Auto Insurance Requirements

Alabama state law specifies that drivers must carry a minimum amount of liability coverage. It mirrors the standard 25/50/25 requirements in most other states:

  • Bodily injury:  $25,000 per person, $50,000 per incident
  • Property damage: $25,000 per incident

While Alabama technically doesn't mandate drivers to carry uninsured motorist coverage, it does require insurance companies to offer it with the same 25/50/25 minimum liability limits for bodily injury and property damage. Uninsured motorist insurance typically pays for these types of claims in cases when the at-fault driver has no coverage at all. 

Besides the minimum requirements, Alabama drivers can include other coverage types on their auto policies. Collision, comprehensive and underinsured motorist insurance each pay for different kinds of losses:

  • Collision reimburses for damage resulting from your vehicle colliding with another object, such as another vehicle or a building. 
  • Comprehensive covers repairs and restoration related to fire, falling objects, theft, vandalism, storm damage, flooding and animal collisions.
  • Underinsured motorist pays for property damage and bodily injuries from collisions with at-fault drivers lacking sufficient coverage. 

Every driver has different indemnity protection needs. VIU by HUB lets you obtain quotes, compare policies and purchase custom-tailored auto coverage online.

Auto Insurance Costs in Birmingham

Birmingham drivers pay an average of $1,959 per year for auto insurance. While that's slightly higher than the state average, it's lower than the national annual average of $2,014. Several factors can impact individual rates, including a driver's age, credit history, vehicle type, yearly mileage and driving record. 

Find Your Best Car Insurance in Birmingham, AL

Auto insurance policies protect you, your passengers and your financial future. VIU by HUB is an easy-to-use platform where you can get quotes, view policies and buy car insurance in Birmingham, AL. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.


City of Birmingham

U.S. Census Bureau


Alabama Department of Insurance


Auto insurance in Alabama by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.