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The cheapest insurance company for you might differ depending on your needs and background. Cincinnati Insurance is the best car insurance company for minimum coverage after a driving violation and for the best customer service. Nationwide is the ideal insurance for full coverage, and GEICO is recommended for teens on family policies. If you have a military background, consider USAA.

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2023

Cheapest and Best Car Insurance in Birmingham

Cheapest Minimum Liability Car Insurance in Birmingham

The cheapest car insurance companies offering minimum coverage policies in Birmingham are:

  • Cincinnati Insurance: $232 per year
  • Nationwide: $298 per year

Farmers is the most expensive car insurance company, charging an average of $565 annually.

Cincinnati Insurance is also the most affordable car insurance in Alabama. The company charges even lower rates, only $201 per year, to insure drivers in Alabama as of October 2022.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$203

$17

Cincinnati Insurance

$232

$19

Nationwide

$292

$24

Cincinnati Insurance

$297

$25

Nationwide

$298

$25

Country Financial

$322

$27

Country Financial

$326

$27

Nationwide

$407

$34

Travelers

$442

$37

GEICO

$447

$37

Allstate

$451

$38

Country Financial

$453

$38

Auto-Owners Insurance Co

$469

$39

Allstate

$472

$39

Travelers

$472

$39

GEICO

$473

$39

Auto-Owners Insurance Co

$478

$40

Allstate

$489

$41

State Farm

$491

$41

Travelers

$498

$42

Progressive

$507

$42

State Farm

$521

$43

Progressive

$534

$44

GEICO

$542

$45

Farmers

$565

$47

Farmers

$587

$49

Auto-Owners Insurance Co

$625

$52

Nationwide

$631

$53

State Farm

$635

$53

Progressive

$669

$56

Cincinnati Insurance

$675

$56

Farmers

$693

$58

Nationwide

$700

$58

Country Financial

$795

$66

Allstate

$802

$67

Cincinnati Insurance

$833

$69

Allstate

$859

$72

Country Financial

$864

$72

Allstate

$886

$74

Travelers

$913

$76

Travelers

$915

$76

Nationwide

$922

$77

GEICO

$952

$79

GEICO

$985

$82

Farmers

$1,012

$84

Cincinnati Insurance

$1,031

$86

State Farm

$1,043

$87

Auto-Owners Insurance Co

$1,063

$89

Farmers

$1,064

$89

Travelers

$1,082

$90

Auto-Owners Insurance Co

$1,097

$91

State Farm

$1,133

$94

Country Financial

$1,153

$96

GEICO

$1,224

$102

Farmers

$1,289

$107

Progressive

$1,423

$119

State Farm

$1,453

$121

Progressive

$1,493

$124

Auto-Owners Insurance Co

$1,525

$127

Progressive

$1,955

$163

Based on Alabama law, a minimum coverage policy only covers bodily injury liability and property damage with the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Liability coverage protects you against expenses if you injure someone in an accident or damage their property. If you have $50,000 in bodily injury per accident, that’s the maximum amount the insurance company will cover. You must pay the remaining amount if the injured individual’s medical bills cost $60,000.

Cheapest Full Coverage Car Insurance in Birmingham

MoneyGeek found that the following companies will suit you best if you’re looking for full coverage in Birmingham:

  • Nationwide: $700 per year
  • Allstate: $802 per year

Progressive offers the most expensive policies, costing an average of $1,493 annually.

Cincinnati Insurance is the cheapest full coverage car insurance company in Alabama. The cost of your policy will also depend on your location.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$203

$17

Cincinnati Insurance

$232

$19

Nationwide

$292

$24

Cincinnati Insurance

$297

$25

Nationwide

$298

$25

Country Financial

$322

$27

Country Financial

$326

$27

Nationwide

$407

$34

Travelers

$442

$37

GEICO

$447

$37

Allstate

$451

$38

Country Financial

$453

$38

Auto-Owners Insurance Co

$469

$39

Allstate

$472

$39

Travelers

$472

$39

GEICO

$473

$39

Auto-Owners Insurance Co

$478

$40

Allstate

$489

$41

State Farm

$491

$41

Travelers

$498

$42

Progressive

$507

$42

State Farm

$521

$43

Progressive

$534

$44

GEICO

$542

$45

Farmers

$565

$47

Farmers

$587

$49

Auto-Owners Insurance Co

$625

$52

Nationwide

$631

$53

State Farm

$635

$53

Progressive

$669

$56

Cincinnati Insurance

$675

$56

Farmers

$693

$58

Nationwide

$700

$58

Country Financial

$795

$66

Allstate

$802

$67

Cincinnati Insurance

$833

$69

Allstate

$859

$72

Country Financial

$864

$72

Allstate

$886

$74

Travelers

$913

$76

Travelers

$915

$76

Nationwide

$922

$77

GEICO

$952

$79

GEICO

$985

$82

Farmers

$1,012

$84

Cincinnati Insurance

$1,031

$86

State Farm

$1,043

$87

Auto-Owners Insurance Co

$1,063

$89

Farmers

$1,064

$89

Travelers

$1,082

$90

Auto-Owners Insurance Co

$1,097

$91

State Farm

$1,133

$94

Country Financial

$1,153

$96

GEICO

$1,224

$102

Farmers

$1,289

$107

Progressive

$1,423

$119

State Farm

$1,453

$121

Progressive

$1,493

$124

Auto-Owners Insurance Co

$1,525

$127

Progressive

$1,955

$163

Comprehensive and collision insurance are two components of a full coverage policy in Birmingham.

  • Comprehensive Insurance: If your vehicle gets damaged due to a non-accident incident, such as weather-related damage, this component will pay for its repair or replacement.
  • Collision Insurance: If there’s vehicle damage due to an at-fault accident with another vehicle or object, this coverage will cover your vehicle’s repair or replacement cost.

In some circumstances, getting a full coverage policy with an older vehicle is not recommended, as it’s likely that the policy cost could outweigh the value of your vehicle.

Cheapest Car Insurance in Birmingham After a Driving Offense

The following insurance companies are ideal if you have driving violations on your record:

  • Speeding ticket: Nationwide ($855 per year)
  • At-fault accident: Cincinnati Insurance ($1,440 per year)
  • DUI: Country Financial ($1,360 per year)

Progressive charges the most expensive rates for those with a speeding ticket ($1,959 per year) or an at-fault accident ($2,682 per year). Auto-Owners Insurance Co is the most costly insurer with a DUI ($2,304 annually).

Poor driving records can significantly impact rates, meaning even the cheapest rates will exceed those available to someone with a clean record.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$239

$20

Cincinnati Insurance

$276

$23

Nationwide

$346

$29

Nationwide

$352

$29

Cincinnati Insurance

$354

$30

Cincinnati Insurance

$357

$30

Cincinnati Insurance

$412

$34

Country Financial

$440

$37

Country Financial

$446

$37

Nationwide

$473

$39

Country Financial

$487

$41

Cincinnati Insurance

$491

$41

Nationwide

$494

$41

Allstate

$499

$42

Country Financial

$506

$42

Nationwide

$516

$43

GEICO

$519

$43

Allstate

$522

$43

Cincinnati Insurance

$523

$44

Auto-Owners Insurance Co

$539

$45

State Farm

$545

$45

Allstate

$545

$45

State Farm

$545

$45

GEICO

$549

$46

Auto-Owners Insurance Co

$550

$46

Country Financial

$551

$46

Country Financial

$559

$47

Cincinnati Insurance

$570

$48

State Farm

$579

$48

State Farm

$579

$48

Nationwide

$588

$49

Travelers

$595

$50

Allstate

$599

$50

Country Financial

$621

$52

Allstate

$621

$52

Travelers

$623

$52

Allstate

$624

$52

State Farm

$627

$52

Travelers

$630

$53

GEICO

$635

$53

Nationwide

$640

$53

Auto-Owners Insurance Co

$646

$54

Allstate

$648

$54

Country Financial

$657

$55

Auto-Owners Insurance Co

$660

$55

Travelers

$660

$55

Allstate

$661

$55

State Farm

$667

$56

GEICO

$669

$56

Nationwide

$673

$56

Travelers

$684

$57

Allstate

$687

$57

Progressive

$689

$57

Farmers

$696

$58

Travelers

$702

$58

State Farm

$706

$59

State Farm

$706

$59

Auto-Owners Insurance Co

$718

$60

Cincinnati Insurance

$720

$60

Travelers

$727

$61

Progressive

$727

$61

GEICO

$728

$61

Travelers

$735

$61

Progressive

$746

$62

Farmers

$773

$64

Country Financial

$777

$65

Nationwide

$783

$65

GEICO

$795

$66

Nationwide

$798

$66

Cincinnati Insurance

$800

$67

Farmers

$803

$67

Progressive

$805

$67

Travelers

$810

$68

State Farm

$812

$68

Farmers

$822

$68

Progressive

$831

$69

Farmers

$845

$70

Nationwide

$855

$71

Auto-Owners Insurance Co

$863

$72

Progressive

$884

$74

Farmers

$897

$75

Allstate

$904

$75

Farmers

$930

$78

Farmers

$930

$78

Progressive

$972

$81

Allstate

$973

$81

Farmers

$975

$81

Cincinnati Insurance

$991

$83

Allstate

$999

$83

Progressive

$1,035

$86

GEICO

$1,041

$87

Nationwide

$1,048

$87

Auto-Owners Insurance Co

$1,053

$88

Nationwide

$1,063

$89

Country Financial

$1,065

$89

Auto-Owners Insurance Co

$1,076

$90

GEICO

$1,081

$90

Allstate

$1,114

$93

Country Financial

$1,122

$93

Progressive

$1,135

$95

Allstate

$1,144

$95

State Farm

$1,149

$96

State Farm

$1,149

$96

GEICO

$1,151

$96

Country Financial

$1,154

$96

GEICO

$1,162

$97

Nationwide

$1,163

$97

Country Financial

$1,166

$97

Cincinnati Insurance

$1,169

$97

GEICO

$1,172

$98

Auto-Owners Insurance Co

$1,207

$101

Allstate

$1,209

$101

Cincinnati Insurance

$1,225

$102

Allstate

$1,231

$103

Auto-Owners Insurance Co

$1,242

$103

Allstate

$1,244

$104

State Farm

$1,246

$104

State Farm

$1,246

$104

Allstate

$1,264

$105

Country Financial

$1,265

$105

Travelers

$1,298

$108

State Farm

$1,308

$109

Nationwide

$1,329

$111

Travelers

$1,358

$113

Country Financial

$1,360

$113

Farmers

$1,374

$115

Farmers

$1,382

$115

Travelers

$1,396

$116

Auto-Owners Insurance Co

$1,406

$117

State Farm

$1,416

$118

Travelers

$1,418

$118

Nationwide

$1,428

$119

Auto-Owners Insurance Co

$1,428

$119

Cincinnati Insurance

$1,440

$120

GEICO

$1,459

$122

Auto-Owners Insurance Co

$1,464

$122

Travelers

$1,468

$122

Travelers

$1,486

$124

Farmers

$1,495

$125

Travelers

$1,507

$126

GEICO

$1,510

$126

GEICO

$1,514

$126

Nationwide

$1,522

$127

Farmers

$1,523

$127

Country Financial

$1,545

$129

Country Financial

$1,548

$129

Farmers

$1,565

$130

Farmers

$1,591

$133

Farmers

$1,599

$133

State Farm

$1,600

$133

State Farm

$1,600

$133

Cincinnati Insurance

$1,600

$133

Travelers

$1,627

$136

Travelers

$1,643

$137

Farmers

$1,721

$143

Auto-Owners Insurance Co

$1,730

$144

Cincinnati Insurance

$1,776

$148

Farmers

$1,795

$150

GEICO

$1,796

$150

Nationwide

$1,808

$151

State Farm

$1,821

$152

Country Financial

$1,841

$153

Progressive

$1,889

$157

Progressive

$1,959

$163

Cincinnati Insurance

$1,978

$165

Progressive

$2,019

$168

Progressive

$2,030

$169

Auto-Owners Insurance Co

$2,044

$170

GEICO

$2,194

$183

Auto-Owners Insurance Co

$2,263

$189

GEICO

$2,281

$190

Auto-Owners Insurance Co

$2,304

$192

Progressive

$2,362

$197

GEICO

$2,416

$201

Cincinnati Insurance

$2,441

$203

Progressive

$2,448

$204

Progressive

$2,682

$224

Progressive

$2,807

$234

Auto-Owners Insurance Co

$3,233

$269

Progressive

$3,246

$270

In most cases, you will pay significantly higher car insurance rates if you have severe driving violations on your record. For instance, your annual premium after a speeding ticket increases to $1,219 yearly. With a DUI, you must pay $1,651 annually, $662 more than for someone with a clean record. Shopping around allows you to get the cheapest car insurance for a poor driving record.

Cheapest Car Insurance in Birmingham for Teens and Their Families

MoneyGeek found that the following companies will suit you best if you’re a teen driver on a family policy:

  • Nationwide: $1,527 per year for female teens and $1,667 per year for male teens
  • Allstate: $1,976 per year for female teens and $2,085 per year for male teens

The most expensive company for male teens is State Farm, charging $4,564 per year. Auto-Owners Insurance Co offers the highest rates for female teens, costing an average of $4,118 annually.

Men generally pay higher rates in their teens because they are considered riskier to insure.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$947

$1,877

Nationwide

$965

$2,003

Nationwide

$1,000

$2,489

Nationwide

$1,032

$2,720

Nationwide

$1,073

$2,128

Nationwide

$1,081

$2,344

Nationwide

$1,112

$2,309

Nationwide

$1,118

$2,557

Travelers

$1,120

$1,943

Nationwide

$1,122

$2,225

Nationwide

$1,164

$2,417

Travelers

$1,209

$2,029

Travelers

$1,261

$2,189

Travelers

$1,270

$2,424

Travelers

$1,303

$2,262

Allstate

$1,309

$1,717

Allstate

$1,360

$1,783

Allstate

$1,362

$1,725

Allstate

$1,367

$2,176

Nationwide

$1,375

$4,058

GEICO

$1,382

$2,428

GEICO

$1,383

$4,624

Travelers

$1,390

$2,333

GEICO

$1,409

$2,322

GEICO

$1,422

$2,499

Travelers

$1,432

$2,647

GEICO

$1,437

$2,368

Travelers

$1,438

$2,775

Allstate

$1,438

$2,114

Allstate

$1,447

$4,644

Nationwide

$1,448

$5,337

Allstate

$1,451

$2,380

GEICO

$1,463

$2,718

Allstate

$1,470

$1,928

Allstate

$1,472

$1,864

Nationwide

$1,477

$4,781

Nationwide

$1,495

$3,720

Travelers

$1,498

$2,515

GEICO

$1,502

$2,638

GEICO

$1,503

$2,704

Nationwide

$1,527

$5,887

GEICO

$1,527

$2,518

Allstate

$1,535

$2,167

Nationwide

$1,537

$5,667

Farmers

$1,537

$2,546

GEICO

$1,572

$3,039

Nationwide

$1,578

$6,242

Nationwide

$1,584

$4,173

Allstate

$1,591

$2,533

GEICO

$1,594

$3,017

Allstate

$1,596

$2,021

Allstate

$1,605

$2,957

Farmers

$1,635

$2,810

Allstate

$1,655

$5,163

Nationwide

$1,667

$6,902

Travelers

$1,669

$3,087

Travelers

$1,675

$3,095

Nationwide

$1,677

$6,634

Travelers

$1,683

$3,589

GEICO

$1,684

$3,255

GEICO

$1,701

$3,569

Allstate

$1,740

$3,204

GEICO

$1,741

$6,754

GEICO

$1,791

$3,751

GEICO

$1,797

$3,403

Allstate

$1,813

$2,972

GEICO

$1,847

$7,169

Travelers

$1,907

$4,476

State Farm

$1,929

$3,572

Allstate

$1,930

$6,193

Allstate

$1,976

$8,183

Travelers

$1,980

$3,662

Travelers

$1,996

$4,327

Auto-Owners Insurance Co

$2,038

$4,142

Allstate

$2,085

$7,687

Allstate

$2,134

$6,656

Auto-Owners Insurance Co

$2,138

$4,335

State Farm

$2,144

$3,971

GEICO

$2,189

$7,320

Auto-Owners Insurance Co

$2,212

$4,485

State Farm

$2,215

$4,017

GEICO

$2,227

$12,000

State Farm

$2,251

$4,803

Auto-Owners Insurance Co

$2,271

$4,617

Farmers

$2,309

$2,239

Auto-Owners Insurance Co

$2,313

$5,167

State Farm

$2,338

$4,330

Travelers

$2,338

$5,477

Auto-Owners Insurance Co

$2,352

$4,770

Farmers

$2,353

$2,281

Travelers

$2,353

$5,521

Farmers

$2,358

$2,286

Auto-Owners Insurance Co

$2,375

$5,607

Farmers

$2,380

$2,424

GEICO

$2,385

$11,990

State Farm

$2,397

$5,197

Farmers

$2,413

$2,395

Auto-Owners Insurance Co

$2,435

$4,950

Farmers

$2,451

$2,432

Travelers

$2,462

$7,333

Farmers

$2,477

$5,058

Auto-Owners Insurance Co

$2,486

$6,374

Farmers

$2,489

$2,470

State Farm

$2,499

$4,532

Farmers

$2,513

$2,677

Auto-Owners Insurance Co

$2,554

$5,544

Farmers

$2,582

$5,425

Farmers

$2,611

$10,440

State Farm

$2,644

$5,641

Progressive

$2,663

$3,663

Progressive

$2,695

$3,836

State Farm

$2,746

$6,712

State Farm

$2,746

$5,955

State Farm

$2,751

$4,988

Progressive

$2,758

$4,959

Farmers

$2,760

$11,294

Auto-Owners Insurance Co

$2,817

$6,114

Auto-Owners Insurance Co

$2,836

$6,806

Farmers

$2,838

$4,700

Farmers

$2,879

$11,510

Auto-Owners Insurance Co

$2,898

$7,428

Auto-Owners Insurance Co

$2,909

$8,570

Progressive

$2,923

$4,021

State Farm

$2,937

$6,256

Travelers

$2,940

$6,887

Farmers

$2,955

$5,080

Progressive

$3,008

$4,575

Progressive

$3,035

$4,320

Farmers

$3,061

$12,526

Farmers

$3,083

$15,036

Travelers

$3,095

$9,385

Progressive

$3,117

$4,287

State Farm

$3,142

$7,679

Progressive

$3,210

$5,322

Farmers

$3,278

$16,423

Progressive

$3,279

$6,105

Progressive

$3,371

$4,799

State Farm

$3,441

$8,389

State Farm

$3,447

$7,342

State Farm

$3,587

$8,765

State Farm

$3,603

$9,974

Progressive

$3,666

$16,633

Progressive

$3,719

$8,057

Auto-Owners Insurance Co

$3,771

$7,623

Auto-Owners Insurance Co

$3,789

$10,071

Progressive

$3,916

$7,040

Progressive

$3,956

$18,102

State Farm

$3,978

$9,589

Progressive

$4,072

$18,565

Auto-Owners Insurance Co

$4,118

$8,965

Auto-Owners Insurance Co

$4,148

$8,385

Progressive

$4,189

$9,264

Progressive

$4,211

$19,108

Progressive

$4,314

$8,031

Auto-Owners Insurance Co

$4,328

$11,503

Progressive

$4,329

$19,724

Auto-Owners Insurance Co

$4,330

$12,947

State Farm

$4,542

$10,950

State Farm

$4,564

$12,468

Progressive

$4,588

$20,919

Your insurance rates will greatly increase if you purchase an individual policy. A 16-year-old male driver buying an individual policy will have to pay an average of $5,869 annually. The same driver will only pay $2,769 per year on a family policy. Before choosing a policy, compare rates to find the cheapest car insurance for teens.

Cheapest Car Insurance in Birmingham for Military Drivers

The most affordable car insurance companies for drivers with a military background are:

  • USAA: $656 per year
  • Nationwide: $700 per year

The cheapest companies for minimum coverage are Cincinnati Insurance ($232 per year) and USAA ($281 per year).

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$203

$17

Cincinnati Insurance

$232

$19

USAA

$281

$23

USAA

$285

$24

Nationwide

$292

$24

Cincinnati Insurance

$297

$25

Nationwide

$298

$25

Country Financial

$322

$27

Country Financial

$326

$27

USAA

$384

$32

Nationwide

$407

$34

Travelers

$442

$37

GEICO

$447

$37

Allstate

$451

$38

Country Financial

$453

$38

Auto-Owners Insurance Co

$469

$39

Allstate

$472

$39

Travelers

$472

$39

GEICO

$473

$39

Auto-Owners Insurance Co

$478

$40

Allstate

$489

$41

State Farm

$491

$41

Travelers

$498

$42

Progressive

$507

$42

State Farm

$521

$43

Progressive

$534

$44

GEICO

$542

$45

Farmers

$565

$47

Farmers

$587

$49

Auto-Owners Insurance Co

$625

$52

Nationwide

$631

$53

State Farm

$635

$53

USAA

$651

$54

USAA

$656

$55

Progressive

$669

$56

Cincinnati Insurance

$675

$56

Farmers

$693

$58

Nationwide

$700

$58

Country Financial

$795

$66

Allstate

$802

$67

Cincinnati Insurance

$833

$69

Allstate

$859

$72

Country Financial

$864

$72

USAA

$879

$73

Allstate

$886

$74

Travelers

$913

$76

Travelers

$915

$76

Nationwide

$922

$77

GEICO

$952

$79

GEICO

$985

$82

Farmers

$1,012

$84

Cincinnati Insurance

$1,031

$86

State Farm

$1,043

$87

Auto-Owners Insurance Co

$1,063

$89

Farmers

$1,064

$89

Travelers

$1,082

$90

Auto-Owners Insurance Co

$1,097

$91

State Farm

$1,133

$94

Country Financial

$1,153

$96

GEICO

$1,224

$102

Farmers

$1,289

$107

Progressive

$1,423

$119

State Farm

$1,453

$121

Progressive

$1,493

$124

Auto-Owners Insurance Co

$1,525

$127

Progressive

$1,955

$163

How to Compare Cheap Birmingham Car Insurance Quotes Online

Getting an online quote for car insurance in Birmingham can take 15 minutes or more and involves providing extensive personal information.

To make this process easier, consider using MoneyGeek’s car insurance calculator. It doesn’t require personal information, but you must enter your age, vehicle type, coverage level and driving record. Based on your profile, the calculator will let you know how much it will cost for car insurance.

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USAA

Best Car Insurance in Birmingham: Summary

The best car insurance will depend on your needs and how much importance you give to service quality, cost and other factors.

The following are the best car insurers in Birmingham:

  • Best overall: Cincinnati Insurance (MoneyGeek score of 83 out of 100)
  • Best service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
  • Best cheap: Cincinnati Insurance (MoneyGeek score of 88 out of 100)

MoneyGeek’s overall score may change because weightings are different in each category.

Cincinnati Insurance is also the best car insurance company in Alabama. You should opt for USAA car insurance if you have a military background. It has a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Birmingham

MoneyGeek found that the following companies offer the best car insurance in Birmingham:

  • Cincinnati Insurance: MoneyGeek score of 83 out of 100 ($833 per year)
  • Country Financial: MoneyGeek score of 75 out of 100 ($864 per year)

Cincinnati Insurance scored well for affordability and had the highest score for customer satisfaction. It shows that the company will promptly resolve your complaints.

We found USAA car insurance the most suitable option for drivers with a military background. It earned a MoneyGeek score of 85 out of 100.

Cincinnati Insurance

pros

Scored the highest for customer satisfaction among other insurance providers in Birmingham

Ranked well for affordability

Provides various rare coverages like lock replacement, new car replacement and glass deductible modification

cons

Doesn’t offer accident forgiveness coverage

COMPANY HIGHLIGHTS

Besides having the highest customer satisfaction score, Cincinnati Insurance offers affordable rates and many rare coverages with its policies.

The insurance provider offers glass deductible modification coverage that waives your deductible if you have to get your car’s windows or glass replaced due to a covered loss. With the lock replacement coverage, the company will pay up to $1,500 to replace your door locks if someone steals your car keys. With the new car replacement coverage, you will get a brand new car of the same make and model if your car is totaled.

Cincinnati Insurance also ranked the highest for customer satisfaction, showing that it provides exceptional customer support and will resolve your complaints promptly.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Car Insurance in Birmingham for Customer Service

MoneyGeek found the following insurance providers for drivers looking for the best customer service regardless of the policy cost:

  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($833 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($1,097 per year)

Cincinnati Insurance scored well for customer satisfaction and available coverages. This company came third for affordability among other insurers, which means it doesn’t charge high rates for good service.

Cincinnati Insurance

pros

Ranked high for customer satisfaction and available coverage add-ons

Offers unique coverages like airbag reinstallation, child safety seat replacement and safety restraint benefit

cons

Accident forgiveness coverage isn’t available

COMPANY HIGHLIGHTS

Cincinnati Insurance offers various rare coverages to the policyholder and ranks well for customer satisfaction.

The company provides airbag reinstallation coverage which helps you replace your airbag that deploys without an accident. You won’t pay any deductible with this coverage. The child safety seat replacement coverage covers your installed child seat against loss.

With the safety restraint benefit, the company will increase your medical payments if you or a passenger in your car gets injured while wearing a manufacturer-installed seat belt.

Besides these coverages, the company also offers many other standard and unique coverages, which is why it ranked high in that category. It has a high customer satisfaction score, showing few customer complaints about its service.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Cheap Car Insurance Companies in Birmingham

MoneyGeek researched and analyzed various companies offering minimum coverage policies based on cost and service quality. We found the following companies will be the most suitable options:

  • Cincinnati Insurance: MoneyGeek score of 89 out of 100 ($232 per year)
  • Country Financial: MoneyGeek score of 71 out of 100 ($326 per year)

Purchasing the cheapest minimum coverage policy won’t cost you much, but such a policy won’t have enough liability coverage. It will not protect you against the cost of damages to your car.

Cincinnati Insurance

pros

An affordable minimum coverage policy costs an average of $232 per year

Offers bundling, multiple car and anti-lock brakes discounts

Ranked the highest for affordability among other insurance providers

Scored well for customer service

cons

Doesn’t offer a distant student discount

COMPANY HIGHLIGHTS

Cincinnati Insurance has perfect scores for affordability, which means it charges the least rates compared to other insurance companies in Birmingham. It ranked well for customer satisfaction based on J.D. Power reports and customer complaints level, showing that customers have fewer complaints about its service.

You can save on your premiums with this company in many ways, as it offers various common and rare discounts. Standard discounts include a discount on bundling different types of policies and insuring multiple cars.

The company will also give you a discount if you install and maintain safety equipment in your vehicle. Other discounts for installing an anti-theft system or safe driving are available.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Average Cost of Car Insurance in Birmingham

The average cost of car insurance in Birmingham for a full coverage policy is $989 per year, $276 less than the national average of $1,265 and $79 more than Alabama's average as of October 2022. Your location within the state will affect your insurance rates.

The above rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.