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Get Cheap Car Insurance in Highland Park, Birmingham, AL

We monitor insurance prices, helping the average driver in Highland Park save up to 30.9% on car insurance.

 

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The Cheapest Minimum Coverage in Highland Park

The chart below shows the cheapest car insurance company in Highland Park for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.

 
Highland Park Insurer Monthly Cost
Travelers $69
Gainsco $72
State Farm $76
Safe Auto $77

Savings for Every Kind of Highland Park Driver

The table shows how much the average auto insurance customer in Highland Park might save by following our recommendations.

Based on our extensive insurance data, we know the average Highland Park driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $387 per year by choosing the right vehicle insurance company. Some Highland Park residents are paying out over $1,561 extra every year for auto insurance in Highland Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Highland Park, Birmingham, AL Savings / Yr.
Drivers with good records
$387
Drivers with accidents
$526
Drivers with speeding tickets
$493
Drivers with a DUI conviction
$559
Young drivers
$1,213
Married drivers
$67
Drivers with bad credit
$330

Highland Park Car Insurance vs. Birmingham

People living in Highland Park pay an average of 2.63% less than the typical driver in the state. The average driver in Highland Park can expect to pay about $1,030 per year, or $1,561 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Highland Park for most people.

Car Insurance Prices by Highland Park Neighborhood

Highland Park, Birmingham, AL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Highland Park?

The map shows insurance prices in and around Highland Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $121 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,614 to a low of $1,493. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Highland Park.

Pick the Best Car Insurance Company for You in Highland Park

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Highland Park insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Highland Park

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $387 over the average Highland Park car insurance company.

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We use the average good driver, paying $98 per month, as our baseline for pricing in Highland Park. Travelers, Safe Auto, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Highland Park drivers with accidents on their records

In Highland Park getting into an accident will raise premiums an average 36% for a yearly cost of $2,443. That's $882 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Safe Auto are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $526 over the competition.

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The best car insurance company for Highland Park drivers with speeding tickets

>Safe Auto gave the average person with a speeding ticket the most savings, averaging $493 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Highland Park, tickets raise premiums on new quotes about $698. If you have a speeding ticket, we recommend State Farm, Travelers, and Safe Auto for savings that beat the average insurance cost of $2,259 per year.

The best auto insurance for Highland Park drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,650 per year in auto insurance premiums, which was $1,090 more than a driver with no major issues. Allstate, Travelers, and Dairyland penalized their customers the least for a DUI.

Getting a quote from Allstate may cost the average person with a DUI about $559 less each year.

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The least expensive car insurance company for new and young drivers in Highland Park

In Highland Park, Travelers costs young drivers $1,213 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Highland Park. With an average cost of $5,321 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Highland Park

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $150. State Farm, Progressive, and Allstate provided the largest discounts to couples living in Highland Park.

State Farm gave the largest car insurance discounts to married couples, averaging $67 saved each year compared to an average Highland Park couple's premiums.

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The cheapest car insurance in Highland Park for drivers with bad credit

People with poor credit saved an average of $330 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $840 every year. Premiums for people with poor credit were about $2,401 in Highland Park. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Allstate, Travelers, and Gainsco.

The best Highland Park car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Highland Park, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Highland Park.

Nationwide was the best company for customer service in Highland Park according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Highland Park, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Highland Park. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Highland Park

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 69% of Highland Park residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Highland Park driver can expect to pay about $101 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Highland Park, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.
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Auto Insurance Prices in and Around Highland Park

What Influences the Cost of Car Insurance in Highland Park?

On average, car insurance in Highland Park is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Highland Park is 18 minutes, which is far less than average for a driver in the city.
  • Alabama state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Highland Park are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Highland Park is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Highland Park is $86 per month for minimum coverage and $130 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Highland Park driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Highland Park with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.