Cheapest Car Insurance Quotes in Birmingham

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Birmingham Car Insurance

^$ 39

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Birmingham

The car insurance rate in Birmingham is $1335 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $547, making it a popular choice for budget-conscious drivers. Rates in Birmingham can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Birmingham

$1335

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Birmingham

1st place: Travelers

At $547 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $686 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $758 for six months, making it the third cheapest auto insurance company in Birmingham.

Birmingham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Birmingham, MI is Travelers, offering policies at just $547 for a six-month term. This is followed by USAA, which has an average six-month premium of $686.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $904 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Birmingham drivers find the best deals.

Cheap Car Insurance Companies in Birmingham, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$547	$92
USAA	$686	$115
Encompass	$758	$127
Auto-Owners Insurance Co	$778	$132
Chubb	$818	$137
Auto-Owners	$917	$154
AAA	$936	$158
Farm Bureau Ins of MI	$962	$163
Pioneer State Mutual Ins Co	$1048	$174
Progressive	$1048	$176
Westfield	$1305	$220
Farm Bureau	$1471	$250
State Farm	$1873	$315
Allstate	$1998	$340
Bristol West	$2604	$434
Farmers	$4048	$688
Hastings Mutual	$904	$151

Key Takeaways

Way's key takeaways about car insurance in Birmingham

The auto insurance costs in Birmingham fall around $547 for six months.
The cheapest auto insurance company in Birmingham is Travelers.
Teen drivers pay the highest rate in Birmingham at $1072 per month.

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Cheapest Minimum Liability Car Insurance in Birmingham

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Birmingham are given below.

Travelers provides the cheapest minimum car insurance coverage in Birmingham. Their Average 6 Month Premium is $231. Hastings Mutual is the most expensive at $395 for the same period.

Cheapest Liability Coverage in Birmingham, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$231	$39
Westfield	$244	$41
USAA	$310	$52
Encompass	$316	$53
Chubb	$336	$56
Auto-Owners Insurance Co	$363	$62
Auto-Owners	$428	$72
Farm Bureau Ins of MI	$468	$80
Progressive	$482	$81
AAA	$574	$98
Farm Bureau	$725	$121
Allstate	$850	$144
Bristol West	$1088	$181
State Farm	$1167	$196
Farmers	$2103	$351
Hastings Mutual	$395	$65

Cheapest Full Coverage Car Insurance in Birmingham

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Birmingham is Travelers at $92 per month and $547 for six months.

Cheapest Full Coverage Car Insurance Quotes in Birmingham, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$547	$92
USAA	$686	$115
Encompass	$758	$127
Auto-Owners Insurance Co	$778	$132
Chubb	$818	$137
Auto-Owners	$917	$154
AAA	$936	$158
Farm Bureau Ins of MI	$962	$163
Pioneer State Mutual Ins Co	$1048	$174
Progressive	$1048	$176
Westfield	$1305	$220
Farm Bureau	$1471	$250
State Farm	$1873	$315
Allstate	$1998	$340
Bristol West	$2604	$434
Farmers	$4048	$688
Hastings Mutual	$904	$151

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Average Car Insurance in Birmingham by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Birmingham, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Birmingham, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Birmingham's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Birmingham

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$310
30s	USAA	$235
40s	USAA	$225
50s	USAA	$216
60s	Chubb	$198
70s	Chubb	$216

Cheapest Car Insurance Rates for Teen Drivers in Birmingham,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Birmingham at $46 per month. At $6435 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$271	$46
Westfield	$290	$49
Encompass	$316	$53
Chubb	$376	$64
Auto-Owners Insurance Co	$395	$65
Grange	$514	$88
USAA	$1042	$175
Auto-Owners	$1247	$210
AAA	$1662	$280
Farm Bureau	$2393	$407
Progressive	$2565	$432
Allstate	$4326	$736
State Farm	$4438	$739
Farmers	$18567	$3157
Bristol West	$6435	$1072

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Birmingham.

As young drivers face the highest rates in Birmingham, Chubb offers the cheapest auto insurance rates at $310 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Birmingham, Travelers is the cheapest car insurance provider. At $442 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Birmingham is Farm Bureau Ins of MI, offering rates of around $1397 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$442	$75
Encompass	$455	$75
Progressive	$639	$109
Westfield	$673	$112
Auto-Owners Insurance Co	$713	$121
Pioneer State Mutual Ins Co	$870	$145
Grange	$1101	$188
Farm Bureau Ins of MI	$1397	$233

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Car Insurance Rates with An Accident in Birmingham

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Birmingham, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Birmingham

The cheapest car insurance companies after an at-fault accident in Birmingham include Chubb and Westfield, offering $336 and $356, respectively. Pioneer State is an expensive provider with an average six-month premium of $527.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$336	$58
Westfield	$356	$59
Auto-Owners Insurance Co	$415	$71
Encompass	$468	$78
Farm Bureau Ins of MI	$554	$94
Pioneer State Mutual Ins Co	$613	$102
Travelers	$653	$110
USAA	$818	$138
Progressive	$904	$152
Auto-Owners	$1009	$170
AAA	$1292	$218
Farm Bureau	$1800	$300
State Farm	$2050	$349
Allstate	$3185	$531
Farmers	$5690	$968
Pioneer State	$527	$88

Birmingham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Birmingham MI. For example, the car insurance in Birmingham after a DUI increases to $2664 for a six month policy. While the rate increases by $1451 for a six-month policy in the case of a speeding ticket.

Birmingham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1451	$242
Failure to wear a seat belt	$1721	$293
Cell phone violation	$1826	$304
Texting while driving	$1826	$311
Illegal turn	$1833	$305
Wrong way/wrong lane	$1833	$312
Speeding in school zone	$1859	$310
Driving with expired registration	$1873	$319
Failure to stop at a red light	$1893	$315
Improper passing	$1893	$322
Speeding 16 - 20 MPH over limit	$2103	$351
Open container	$2479	$422
Driving with a suspended license	$2776	$463
Racing	$3580	$608
Reckless driving	$3891	$648
Leaving scene of an accident/hit and run	$3989	$678
DUI	$4115	$686

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Birmingham after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Birmingham.

The cheapest car insurance premiums in Birmingham are offered by Chubb at $336 for a six-month policy. However, it can be as expensive as $10391 with companies like Allstate.

Birmingham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$336	$56
Auto-Owners Insurance Co	$890	$151
Grange	$897	$150
Progressive	$956	$161
Pioneer State Mutual Ins Co	$1081	$180
USAA	$1167	$196
Travelers	$1325	$221
Auto-Owners	$2005	$337
Westfield	$2182	$367
AAA	$2254	$380
Bristol West	$3086	$514
Farmers	$3165	$533
Farm Bureau	$3745	$624
State Farm	$4714	$794
Allstate	$10391	$1732

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Birmingham are offered by Westfield at $290. However, it can be as expensive as $13115 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Birmingham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$290	$49
Chubb	$336	$56
Encompass	$356	$61
Travelers	$435	$72
Auto-Owners Insurance Co	$462	$79
Farm Bureau Ins of MI	$659	$110
USAA	$686	$117
Grange	$699	$117
Auto-Owners	$962	$163
Progressive	$1411	$238
AAA	$1431	$243
Farm Bureau	$1437	$240
Allstate	$2604	$443
State Farm	$4371	$728
Farmers	$13115	$2230

Car Insurance Price Trends in Birmingham, Michigan

Car insurance rates in Birmingham have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Birmingham dipped by $297 in December compared to $305 of November. In other words, there has been an decrease by $8 when you compare December and November.

The average cost of liability insurance in the Birmingham rose to $99 in December, compared to $91 in November. This represents an increase of $8 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Birmingham?

The car insurance in Birmingham is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Birmingham?

The cheapest car insurance in Birmingham is $92 per month for full coverage.

How much is car insurance in Birmingham for teenagers?

Car insurance for teenagers costs $271 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Birmingham?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $224 per month to insure your car in Birmingham.

Is car insurance expensive in Birmingham?

Car insurance can be expensive in Birmingham if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Birmingham can be affordable.

Cheapest Car Insurance Quotes in Birmingham

Why you can trust Way?

How Much Is Car Insurance in Birmingham

Avg. Car Insurance in Birmingham

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Birmingham

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Birmingham Car Insurance Rates by Company

Cheap Car Insurance Companies in Birmingham, MI

Way's key takeaways about car insurance in Birmingham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Birmingham

Cheapest Liability Coverage in Birmingham, MI

Cheapest Full Coverage Car Insurance in Birmingham

Cheapest Full Coverage Car Insurance Quotes in Birmingham, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Birmingham by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Birmingham, MI increasing?

Car Insurance Premiums by Age in Birmingham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Birmingham,MI

If you are in your twenties Chubb is the best choice for car insurance in Birmingham.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Birmingham

Cheapest Car Insurance Companies after an At-Fault Accident in Birmingham

Birmingham Car Insurance Rates by Violation

Birmingham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Birmingham after a DUI

Birmingham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Birmingham after Speeding ticket

Car Insurance Price Trends in Birmingham, Michigan

Average Car Insurance Cost in Birmingham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Birmingham, MI

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources