Cheap Car Insurance for Young Drivers in Your Area
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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.
- Which Car Insurance Companies are Cheapest in Birmingham?
- Cheap Car Insurance for Greater Birmingham Towns and Cities
- Average Cost of Greater Birmingham Car Insurance by District
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.
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.
|Rank||Auto Insurance Company||Annual Premium|
|1||Admiral (including LittleBox Telematics plans)||£998|
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:
|Area||Insurance Company||Cheapest Quotes|
|Selly Oak||Admiral LittleBox||£771|
|Bordesley Green||Admiral LittleBox||£892|
|Washwood Heath||Admiral LittleBox||£996|
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
- Kings Heath
- Selly Oak
- Bordesley Green
- Washwood Heath
Altogether we collected over 800 quotes from the following 70 car insurance companies:
- A Choice
- Academy Insurance
- Acorn Insurance
- Advance Insurance
- Apricot Insurance
- Apricot Plus
- Apricot Premier
- Bell Insurance
- Brightside Car Insurance
- Budget Insurance
- Churchill Insurance
- City Insurance
- Computerquote insurance.com
- Dial Direct
- Diamond Insurance
- Endsleigh Insurance
- Entire Cover
- esure broker
- Flux Direct
- General Accident
- Get Cover
- Go Girl
- Got You Covered
- Grove and Dean
- Hastings Direct
- HR Insurance
- Insurance Factory
- Insurance Revolution
- Insure 2 Drive
- Insure Pink
- Insure Wiser
- Lloyds Bank
- M&S Car Insurance
- More Th>n
- My Policy
- NCI Insurance
- Nova Insurance
- O2 Drive
- One Call Insurance
- One Quote Direct
- Owners Club Insurance
- Peoples Choice
- Performance Direct
- Post Office
- Premium Choice
- Privilege Insurance
- Quoteline Direct
- 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.