Expertise.com Homepage

2024

Last updated:

Best Local Car Insurance Agencies in Birmingham, AL

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Birmingham Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

138Reviewed

86Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

850 Corporate Parkway, Birmingham, AL 35242
WebsiteLicense: 58349

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

The Alabama Insurance Agency is a professional and full-service insurance firm that serves clients in Birmingham, Childersburg, Columbus, and nearby areas. The firm provides a wide array of insurance products and services such as personal and commercial auto insurance, RV and motorhome insurance, motorcycle insurance, boat and watercraft coverage, and supervises filing and claims for SR-22 and SR-22A. The company has access to various insurance brands and carriers, allowing them to provide each client with a suitable insurance package fit to meet their needs.

  • RV & Motorhome
  • Motorcyle & ATV

9340 Helena Road Suite F #160, Birmingham, AL 35244
WebsiteLicense: 3001167612

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

The Kilgore Agency, LLC, serves residents of Birmingham who need car insurance policies. The firm offers products that indemnify individuals’ personal injury liabilities during accidents, any related property damage charges, one’s own collision repairs, and theft. The agency provides coverage for boats and ATVs, and has special plans for classic cars. The Kilgore Agency offers products from established industry names such as Hagerty, State Auto, Safeco, and Progressive. It also deals in renters' and business assurance options.

  • Multiple Carriers

2225 Cahaba Valley Drive, Birmingham, AL 35242
WebsiteLicense: 3000389602

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Legacy Insurance is a full-service company that caters to the personal and business insurance needs of clients in Birmingham. The firm guides car owners, motorists, and vehicle operators in choosing the right auto insurance policy that may include liability coverage, medical payments, personal injury protection, and uninsured motorist coverage. Its agents also offer additional and specialty coverage for towing, emergency road services, and rental reimbursements. The company aims to provide individualized services to all its clients.

  • Boats
  • Motorcyle & ATV

213 Gadsden Highway, Birmingham, AL 35235
WebsiteLicense: 3000387632

Expertise.com Rating

Review Sources

Google
4.5 (78)

Why choose this provider?

PAC Insurance Agency, Inc., which is located in Roebuck, specializes in providing auto insurance plans. Serving the Birmingham area, the company offers car insurance policies that include liability, medical, and property coverage. Its team insures personal automobiles, recreational vehicles, motorcycles, boats, and watercraft. The agents have access to insurance plans from various carriers such as Safeco Insurance, National General Insurance, Progressive, and Travelers. PAC Insurance Agency, Inc., also specializes in homeowners' insurance. It has been in service since 1981.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

2120 16th Avenue S, Birmingham, AL 35205
WebsiteLicense: 79151

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

Founded in 1946, Byars Wright Insurance is a family-owned and family-operated agency serving individuals and businesses in Birmingham. It offers car insurance policies that provide collision, comprehensive, property damage, and physical injury liability coverages in the event of an accident, disaster, or theft. The agency employs more than 50 personal and commercial insurance agents who represent several insurance companies. Byars Wright Insurance was named one of the "Best Companies to Work For in Alabama" in 2016, 2017, 2018, 2019, 2020, and 2021 by Business Alabama.

  • Multiple Carriers

5850 Valley Road, Birmingham, AL 35235
WebsiteLicense: 273351

Expertise.com Rating

Review Sources

Google
4.8 (70)
Facebook
4.9 (1)
Yelp
5.0 (1)

Why choose this provider?

Guide Insurance is an independent Birmingham-based company that provides a variety of car insurance solutions. The agency offers the standard auto insurance package, which has liability, no-fault, collision, and comprehensive coverages. Its professional team of agents can help clients find, draft, and negotiate insurance contracts that protect against specific financial losses during the policy's term. Additionally, the firm has commercial auto, boat, homeowners', and renters' insurance that can fit customers' coverage needs.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

1554 Forestdale Boulevard, Birmingham, AL 35214
WebsiteLicense: 297817

Expertise.com Rating

Review Sources

Google
4.4 (21)

Why choose this provider?

USAgencies has an office in Birmingham that provides the car insurance needs of clients in the area. Its team of insurance specialists can quote and write auto policies that protect people from financial losses due to road accidents and unexpected life events. The firm can also accommodate all types of drivers regardless of their record or history. Moreover, its team is dedicated to helping people shop from its multiple insurance partners and find the best coverage that can maximize their savings at the same time.

  • Multiple Carriers

9624 Pkwy E, Birmingham, AL 35215
WebsiteLicense: 766692

Expertise.com Rating

Why choose this provider?

Since 2012, The Reed Insurance Agency has been serving individuals, families, and business owners residing in and around the Birmingham metro. The firm provides a wide selection of car insurance products, including auto insurance, cargo coverage, and SR-22 certifications. It can also provide auto insurance to policy buyers without a driving license. Founder and operator Lekesha Reed collaborates with multiple carriers to offer clients customized policies. The Reed Insurance Agency also sources umbrella, commercial, workers' compensation, and life insurance coverage plans.

  • Bundling Option

2809 Crescent Avenue, Homewood, AL 35209
WebsiteLicense: 459916

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Robert Bray is a State Farm insurance agent operating in Birmingham. He provides auto insurance plans to all kinds of drivers, including students and seniors. Robert uses over seven years of agent experience in analyzing a client's background and driving history. He advises both safe and high-risk drivers in picking different coverage plans, such as property damage compensation and injury liability fees. He also speaks in Spanish and can converse in American Sign Language. His other insurance plans include home and health coverage.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Alabama Insurance Agency Inc
850 Corporate Parkway, Birmingham, AL 35242
The Kilgore Agency, LLC
9340 Helena Road Suite F #160, Birmingham, AL 35244
Legacy Insurance - Birmingham
2225 Cahaba Valley Drive, Birmingham, AL 35242
PAC Insurance Agency, Inc. - Roebuck
213 Gadsden Highway, Birmingham, AL 35235
Byars Wright Insurance
2120 16th Avenue S, Birmingham, AL 35205
Guide Insurance
5850 Valley Road, Birmingham, AL 35235
Birmingham Car Insurance AL 35214
1554 Forestdale Boulevard, Birmingham, AL 35214
The Reed Insurance Agency
9624 Pkwy E, Birmingham, AL 35215
Robert Bray
2809 Crescent Avenue, Homewood, AL 35209

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • When is it necessary to purchase car insurance in Birmingham?

    Car insurance in Birmingham must be acquired before registering your vehicle. For newcomers to the state, there's a 30-day window to transfer their license and registration, while residents purchasing a new vehicle must secure insurance prior to registering it. Additionally, driving without insurance in Alabama can lead to legal penalties and financial consequences, so it's essential to have coverage in place before operating your vehicle.

  • Are young drivers and individuals with poor credit more likely to pay higher insurance rates in Birmingham?

    Yes. In Birmingham, young drivers typically face higher insurance rates than middle-aged drivers due to their limited driving experience. Additionally, individuals with poor credit are more likely to pay higher insurance rates in the state. Insurance companies often consider these factors as indicators of higher risk, leading to increased premiums for these demographics. It's important to compare quotes from different insurers to find the best rates.

  • What are the mandatory auto insurance coverage limits in Birmingham?

    In Birmingham, the mandatory auto insurance coverage limits are set by the state of Alabama. Drivers are required to have at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. This standard policy, often referred to as a 25/50/25 policy, ensures that victims of accidents have coverage for their injuries and property damage caused by at-fault drivers.

  • Is theft covered by Birmingham car insurance policies?

    Yes, car insurance in Birmingham can cover theft, but it depends on the type of coverage you have. Optional comprehensive coverage typically includes protection against auto theft. If you have this coverage, your insurance will compensate you for the loss or damage of your vehicle due to theft. It's important to check your policy and consider adding comprehensive coverage for theft protection.

  • What information will you need to provide when seeking a commercial car insurance quote in Birmingham?

    When seeking a commercial car insurance quote in Birmingham, you'll need to provide information about your business's vehicles and usage. Questions may include the number of commercial vehicles, their primary purpose, annual mileage, the number and experience of drivers, and any completed safe driving courses. Providing these details ensures an accurate quote tailored to your business needs and may help identify potential discounts.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.