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Who has Cheap Car Insurance in Birmingham, England?

Cheap Car Insurance for Young Drivers in Your Area

Quickly compare up to 99 UK insurance providers.

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Our analysis found that Admiral offered the cheapest car insurance in Birmingham overall. This car insurance company quoted our sample drivers an annual price of £989 on average across ten neighborhoods in Birmingham, 60% less than the Birmingham average.

However, we discovered that car insurance prices can vary widely within a city from neighborhood to neighborhood, and Admiral does not always come out cheapest for everybody. As a result, drivers should compare prices to get the best car insurance prices. You can click on the button above to start shopping for car insurance in your area.

Cheapest Car Insurance Companies in Birmingham

To see which car insurance companies offered the cheapest comprehensive car insurance prices in Birmingham, we gathered quotes from 70 car insurance companies who operate in a selection of 10 Birmingham neighborhoods. We then ranked the insurance companies based on their average quotes across all neighborhoods. Premiums reflect a 30 year old with a good driving record who owns a Ford Fiesta. Here are the five auto insurance companies with the best rates in Birmingham.

chart showing cheap car insurance companies in Birmingham, England

The results show that Admiral was the cheapest car insurance company in Birmingham, with an average cost of £1,008 for comprehensive car insurance without Telematics. Those willing to install a black box in their car can save even more with Admiral's LittleBox car insurance that cost roughly £989 across Birmingham. Overall, Admiral's plans were 60% less than the average car insurance quote in Birmingham, so shopping around for a good deal can save you hundreds of pounds or more.

RankAuto Insurance CompanyAnnual Premium
1Admiral (including LittleBox Telematics plans)£998
2LV=£1,038
3elephant.co.uk£1,299
4Privilege Insurance£1,072
5Churchill Insurance£1,080
6QuoteMeHappy.com£1,155
7General Accident£1,250
8Diamond£1,275
9esure£1,306
10Hastings Direct£1,336
Average£2,490

Cheap Car Insurance in Birmingham by Neighborhood

Car insurance prices vary widely depending on which neighborhood you reside. To illustrate the differences by geography, we gathered sample quotes across 10 neighborhoods in Birmingham. Here were the cheapest three for each neighborhood:

AreaInsurance CompanyCheapest Quotes
MoseleyAdmiral LittleBox£754
Admiral£850
Diamond£850
Edgbastonesure£691
Sheilas' Wheels£708
LV=£753
Kings Heathesure£657
Sheilas' Wheels£673
LV=£759
Selly OakAdmiral LittleBox£771
esure£772
Sheilas' Wheels£791
BearwoodAdmiral LittleBox£781
esure£821
Sheilas' Wheels£842
Erdingtonesure£784
Admiral LittleBox£793
Sheilas' Wheels£803
Digbethesure£757
Sheilas' Wheels£776
Admiral LittleBox£777
Bordesley GreenAdmiral LittleBox£892
Admiral£1,161
Diamond£1,188
Washwood HeathAdmiral LittleBox£996
Privilege Insurance£1,250
Hastings Essentials£1,255
HandsworthAdmiral LittleBox£1,072
LV=£1,074
Churchill Insurance£1,135

Each insurer has a different claims experience in each area of a city, so the prices across neighborhoods can be quite different. Below are average auto insurance costs and the five cheapest companies for the ten Birmingham neighborhoods.

Bearwood, Birmingham

Technically part of Smethwick, Bearwood borders on the Edgbaston neighborhood of Birmingham. Not only are home prices more affordable in Bearwood than in Edgbasaton, but so are are car insurance prices. It costs around £2,110 to buy car insurance if you live in Bearwood, the second cheapest neighborhood in our Birmingham study. Bearwood residents will pay on average 17% less than those across Birmingham.

There are some good deals to be found with the 5 cheapest car insurance plans all coming in under £1,000. The data showed that cheap car insurance companies for Bearwood include Admiral, esure, Sheilas' Wheels and Elephant. If you're really looking to save money on car insurance you might want to consider plans with a black box in your car to track your driving style, like Admiral LittleBox which could save you another £40 a year or so.

chart showing cheapest car insurance in Bearwood, Birmingham

Bordesley Green, Birmingham

The many residents of inner-city Bordesley Green will pay a significant amount more for car insurance, with the average quote coming in at £3,088—the second highest Birmingham neighborhood in our study. By installing a black box drivers might be able to secure car insurance for under £1,000, but otherwise the cheapest plans in this area cost around £1,200, from Admiral, Diamond, elephant.co.uk and Churchill.

chart showing cheapest car insurance in Bordesley Green, Birmingham

Digbeth, Birmingham

Centrally-located Digbeth residents get the most benefit from shopping around—the 5 cheapest car insurance plans in our study cost a remarkable 68% less than the average rate for Digbeth. Top car insurance companies for Digbeth in terms of price included esure, Sheilas' Wheels, Admiral and elephant.co.uk.

chart showing cheapest car insurance in Digbeth, Birmingham

Edgbaston, Birmingham

Those living in Birmingham suburb Edgbaston can expect to get quotes averaging £2,370 for car insurance, but cheap deals can be found for closer to £770. For cheap car insurance in Edgbaston, drivers can look to esure, Sheilas' Wheels, LV=, Admiral LittleBox and QuoteMeHappy.com, the car insurance companies with the lowest prices in our study for the area.

chart showing cheapest car insurance in Edgbaston, Birmingham

Erdington, Birmingham

It costs on average £2,500 for a comprehensive car insurance plan in Erdington, north Birmingham, which is spot on the Birmingham average. Those looking for cheaper car insurance might want to look at esure, Admiral LittleBox, Sheilas' Wheels, Admiral and elephant.co.uk as these were the cheapest plans in our study.

chart showing cheapest car insurance in Erdington, Birmingham

Handsworth, Birmingham

It costs over £3,000 on average to insure a car if you live just outside the Birmingham City Centre in Handsworth, although cheaper deals can be found for 60% less if you comparison shop. The cheapest plans in our study, LV=, Churchill, Privilege and Admiral, averaged £1,177 for non-black box comprehensive car insurance.

chart showing cheapest car insurance in Handsworth, Birmingham

Kings Heath, Birmingham

Kings Heath residents are not only lucky because they live near green Highbury Park and the much-loved Hare and Hounds pub—they also pay the least for car insurance amongst the Birmingham neighborhoods in our study, with average quotes coming in at just £1,742 a year and the cheapest quotes costing under £700.

Those living in Kings Heath pay an astounding 32% less than the Birmingham average. The best quotes were secured from esure, Sheilas' Wheels, LV=, Admiral LittleBox* and Privilege Insurance.

chart showing cheapest car insurance in Kings Heath, Birmingham

Mosely, Birmingham

Mosely's village community, pubs and parks contributed to it being named the best place in the UK for city living in 2015 by the Sunday Times. Not only is Mosely a great place to live but Mosely residents can secure a cheap car insurance plan for around £850—9% less than other Birmingham neighborhoods.

Despite the lower rates, it's still critical to shop around as the average quote for Mosely was £2,597, or 3X the cost of the cheapest plans—comparing prices to find the best deal can save you over £1,500 a year.

chart showing cheapest car insurance in Mosely, Birmingham

Selly Oak, Birmingham

A stone's throw from the University of Birmingham, Selly Oak residents pay around 13% less than average compared to the rest of Birmingham. While the average Selly Oak comprehensive car insurance quotes runs close to £2,200 a year, those looking to pay a low price can find good deals in the range of £810.

chart showing cheapest car insurance in Selly Oak, Birmingham

Washwood Heath, Birmingham

Those living in densely-populated Washwood Heath pay the most of any neighborhood in our Birmingham study—£3,093—which is 22% more than the Birmingham average. The cheapest deals from Admiral LittleBox, Privilege, Hastings, Churchill and LV= cost £1,260 on average per year.

chart showing cheapest car insurance in Washwood Heath, Birmingham

Average Cost of Car Insurance in Birmingham

Birmingham residents looking for car insurance will receive average quotes of £2,490 per year for comprehensive car insurance. Those living in Bordesley Green and Washwood Heath are likely to pay the most, with average annual quotes of nearly £3,100—22% more than the Birmingham average.

Kings Heath residents are likely to pay the least, receiving average quotes of £1,742 for comprehensive car insurance—a whopping 32% less than average for those living in Birmingham. To add to the geographical differences in car insurance costs, Bordesley Green and Washwood Heath residents will pay more than 2X the excess paid by Kings Heath residents should a claim arise.

RankAreaPremiumExcess
1Kings Heath£1,742£447
2Bearwood£2,110£574
3Selly Oak£2,218£659
4Edgbaston£2,370£816
5Erdington£2,504£656
6Mosely£2,597£824
7Digbeth£2,694£1,064
8Handsworth£3,037£1,021
9Bordesley Green£3,088£988
10Washwood Heath£3,093£941
Neighborhood Average£2,545£799
chart showing cost of car insurance across Birmingham

Insurance quotes can vary significantly from person to person based on an individual's details, so quotes you receive may be higher or lower than our sample quotes. Please use the information presented here for educational purposes to help guide you in your search for the best car insurance for your needs. In addition, the "cheap" plans mentioned here generally have a higher excess than you might find on competing plans. You may prefer a slightly higher premium if it means paying less should you need to claim. This is an individual decision.

Methodology

In order to determine what a Birmingham driver will typically pay for comprehensive car insurance and to pick out the cheapest car insurance companies, we gathered quotes for a 30-year-old male driver with a Full UK Licence and 5 years of No Claims Discount who drives a three-year-old, 2015 Ford Fiesta (the UK's most popular car). Our sample driver parks on the street near home and drives under 5,000 miles per year. We tested prices for the following ten Birmingham neighborhoods:

  • Moseley
  • Edgbaston
  • Kings Heath
  • Selly Oak
  • Bearwood
  • Erdington
  • Digbeth
  • Bordesley Green
  • Washwood Heath
  • Handsworth

Altogether we collected over 800 quotes from the following 70 car insurance companies:

  • A Choice
  • Academy Insurance
  • Acorn Insurance
  • Admiral
  • Advance Insurance
  • Ageas
  • Apricot Insurance
  • Apricot Plus
  • Apricot Premier
  • Bell Insurance
  • Brightside Car Insurance
  • Budget Insurance
  • Churchill Insurance
  • City Insurance
  • Computerquote insurance.com
  • Coverbox
  • Devitt
  • Dial Direct
  • Diamond Insurance
  • Easy2Insure
  • elephant.co.uk
  • Endsleigh Insurance
  • Entire Cover
  • esure
  • esure broker
  • Flux Direct
  • General Accident
  • Get Cover
  • Go Girl
  • Got You Covered
  • Grove and Dean
  • Halifax
  • Hastings Direct
  • HR Insurance
  • Insurance Factory
  • Insurance Revolution
  • Insure 2 Drive
  • Insure Pink
  • Insure Wiser
  • insurewiser.co.uk
  • Littlebox
  • Lloyds Bank
  • LV=
  • M&S Car Insurance
  • Mayfair
  • More Th>n
  • My Policy
  • NCI Insurance
  • Nova Insurance
  • O2 Drive
  • One Call Insurance
  • One Quote Direct
  • Onecall
  • Owners Club Insurance
  • Peoples Choice
  • Performance Direct
  • Post Office
  • Premium Choice
  • Privilege Insurance
  • Quoteline Direct
  • QuoteMeHappy.com
  • RAC
  • RIAS
  • Right Choice Insurance
  • Sainsbury's Bank
  • Sheilas' Wheels
  • Sure Thing!
  • Tesco Bank
  • U Drive
  • Wise Driving

To get started shopping for car insurance in Birmingham, click the button below to get quick quotes from up to 99 car insurance companies in your area.

Cheap Car Insurance in Your Area

Quickly compare up to 99 insurance providers.

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