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- Which Car Insurance Companies are Cheapest in Birmingham UK?
- Birmingham Car Crime Rates
- Average Cost of Birmingham UK Car Insurance by District
- Birmingham is Expensive for Car Insurance
Birmingham, England Car Insurance Costs
In Birmingham, the average cheap car insurance quote was around £900 for our sample driver, but prices can be lower or higher depending on your age, the car your drive, your post code and other factors. Younger drivers in particular pay higher rates in Birmingham.
There is a very big difference in prices between insurance companies, with some brands costing 2X to 3X more than others. Here are examples of five auto insurance companies with generally good rates in Birmingham, although the cheapest for you will depend on your circumstances. Premiums below reflect a 30-year-old male with a driving history and used car as described in our Methodology section.
Churchill, Admiral, My Policy, Hastings, Sheilas' Wheels, esure and People's Choice are generally among the cheaper brands. Some companies such as Churchill may be quite cheap in some cases, but either may not offer a quote or not be cheap in all neighborhoods—shopping around for a good deal can save you hundreds of pounds or more.
|Rank||Auto Insurance Company||Annual Premium Estimate in Birmingham|
|9||More Than Motor||£1,597|
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. In fact, many insurance companies wouldn't return a quote for the "theoretical" driver in our study so you may very well find other companies such as Admiral offer cheaper quotes. Please use the information presented here for educational purposes only to help guide you in your search for the best car insurance for your needs.
Vehicle Crime Rates in Birmingham, UK
There are 13.1 vehicle crimes a year per 1,000 people in Birmingham. Vehicle crime rates influence car insurance premiums, because cars located in areas of higher crime are more likely to be stolen. Vehicle crime rates are much higher in some neighborhoods, which is part of the reason for differential car insurance quotes by postcode.
The safest areas in Birmingham with the lowest vehicle crime rates are in the north: B75, B44 and B74, covering, Sutton Trinity, Falcon Lodge, Rectory, Perry Barr, Kingstanding, Great Barr, Four Oaks, Mere Green, Little Aston and Streetly. In these neighborhoods, there are fewer than 7.5 vehicle crimes per 1,000 residents.
At the opposite end of the spectrum, B2 and B3 covering parts of Birmingham City Centre and Ladywood have the worst vehicle crime rates of 47 and 78 crimes per 1,000 people, respectively, which are 4X and 6X higher than the Birmingham average.
|Rank||Local Area||Postcode||Vehicle Crime Rate (per 1,000 people)|
|1||Sutton Trinity Falcon Lodge Rectory||B75||6.6|
|2||Perry Barr Kingstanding Great Barr||B44||7.3|
|3||Four Oaks Mere Green Little Aston Streetly||B74||7.4|
|4||Perry Barr Great Barr Hamstead||B42||8.7|
|6||Great Barr Hamstead||B43||8.9|
|9||Woodgate Bartley Green Quinton California||B32||9.4|
|14||Kings Heath Yardley Wood Brandwood Druids Heath Warstock||B14||10.0|
|16||Sutton Coldfield town centre Maney Wylde Green||B72||10.5|
|18||Boldmere New Oscott Wylde Green||B73||10.8|
|19||Selly Oak Bournbrook Selly Park Weoley Castle California||B29||11.6|
|20||Washwood Heath Ward End Saltley||B8||11.7|
|21||Erdington Short Heath||B23||11.7|
|22||Birchfield Handsworth Wood Perry Barr||B20||11.8|
|23||Bournville Cotteridge Stirchley||B30||11.9|
|30||Shard End Buckland End||B34||14.5|
|32||Lozells Newtown Birchfield||B19||16.4|
|34||Kitts Green Stechford||B33||17.6|
|37||Balsall Heath Sparkbrook Highgate||B12||19.7|
|38||Winson Green Hockley||B18||20.4|
|39||Birmingham City Centre Ladywood||B4||25.8|
|40||Edgbaston Lee Bank||B15||27.8|
|41||Birmingham City Centre Ladywood||B1||36.1|
|43||Digbeth Highgate Lee Bank||B5||44.1|
|44||Birmingham City Centre Ladywood||B2||47.3|
|45||Birmingham City Centre Ladywood||B3||77.7|
Average Cost of Car Insurance in Birmingham, England
A typical 30-year-old Birmingham resident will likely pay over £1,200 per year on average for cheap comprehensive car insurance, significantly more than the national average. Those living in Bordesley Green and Handsworth post codes are likely to pay the most—in our survey we found average annual quotes of around £1,500 for these areas, which is 25% more than the Birmingham average.
Edgbaston, Kings Heath, Selly Oak and Moseley post code residents pay quite a bit less, receiving average quotes for cheap comprehensive car insurance closer to £1,000 a year. Residents who compare quotes can pay hundreds less.
|Birmingham Average Cost of Car Insurance||£1,216|
The average excess for these quotes was £425, but ranged from £120 to £1,500—beware of policies with a high excess, because you'll need to pay this much of a claim before the insurance kicks in.
Cheap Car Insurance Quotes for Young Drivers in Birmingham, England
A 19-year-old driver in Birmingham buying car insurance should absolutely compare quotes, because they're likely to pay from £1,200 to £1,500 a year—but prices varying considerably by Birmingham post code. Most of the cheaper policies were black box/telematics plans, such as More Than Smart Wheels, Carrot, Ingenie, MyPolicy, Doddle Cover, and O2. These help you save money by tracking your driving style which encourages safe driving.
Poll: How Much Do People Really Pay for Car Insurance in Birmingham?
Participate in our brand new poll so we can see how much people really spend on car insurance in Birmingham. If you already have car insurance or have received a quote that you're considering, give us your best guess as to how much you pay for comprehensive cover. Once you enter your answer the results will show so you can compare your price to what other people have said they pay.
Cheap Car Insurance in Birmingham by Neighborhood
Car insurance prices vary widely depending on which neighborhood you live. To illustrate the differences by geography, we gathered sample quotes across 10 neighborhoods in Birmingham from over 40 different UK car insurance brands. Here were the cheapest five companies for each Birmingham neighborhood:
|Area||Insurance Company||Cheapest Quotes|
|More Than Motor||£1,403|
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 car insurance prices. While the average of all quotes we received for Bearwood was £1,556, the 5 cheapest plans we found cost £1,130 on average. Bearwood residents will pay on average 7% less than those across Birmingham.
There are some good deals to be found with a few plans coming in under £1,200. The data showed that cheap car insurance companies for Bearwood include Churchill, MyPolicy, BeWiser, One Call and QuoteMeHappy.com. 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, which could save you another £40 a year or so.
Bordesley Green, Birmingham
Centrally-located Bordesley Green residents can get a big benefit from shopping around—the 5 cheapest car insurance plans in our study ranged from £1,024 to over £1,931, which is quite a wide range. The average of the 5 cheapest quotes was £1,533, which was the highest Birmingham neighborhood in our study (26% more expensive than other Birmingham neighborhoods). The more affordable options came from Churchill, My Policy, Quotemehappy.com, General Accident and Hastings Essential.
The many residents of inner-city Digbeth pay around £1,224 for comprehensive car insurance. Top car insurance companies for Digbeth in terms of price included Hastings Essential, People's Choice, Insure Pink, Sheilas' Wheels and esure. As you can see in the chart below, comparison shopping for the best price can save you hundreds of pounds, especially in Digbeth.
Those living in Birmingham suburb Edgbaston can expect to get cheap car insurance quotes averaging £959, with many quotes available around this price. Edgbaston was the cheapest Birmingham neighborhood for car insurance in our study. Drivers can consider Churchill, QuoteMeHappy.com, General Accident, Hastings and People's Choice—the car insurance companies with the lowest prices in our study for the area.
It costs on average £1,217 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 consider Churchill, My Policy, Sheilas' Wheels, esure and More Than as these were the cheapest brands in our study at the time, with Churchill really offering a good deal at the time of the last update.
The cheapest car insurance is around £1,532 on average if you live just outside the Birmingham City Centre in Handsworth, although cheaper deals can be found for around £970 if you comparison shop. The cheapest plans for Handsworth at the time of our study turned out to be Churchill, Hastings Essential, People's Choice, Insure Pink and LV=.
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 among the least for car insurance of the Birmingham neighborhoods in our study, with average cheap quotes coming in at just £1,009 a year and the cheapest quotes costing just over £700.
Those living in Kings Heath pay 14% less than the Birmingham average. The best quotes we secured in our study were from Churchill, Hastings Essential, Sheilas' Wheels, esure and People's Choice.
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 cheaper car insurance plan for around £1,064—12% less than other Birmingham neighborhoods.
Selly Oak, Birmingham
A stone's throw from the University of Birmingham, Selly Oak residents pay around 15% less than average compared to the rest of Birmingham. While the average Selly Oak comprehensive car insurance quotes runs close to £1,037 a year, those looking to pay a low price can find deals closer to £700, depending on your driver profile. Selly Oak was the third cheapest neighborhood in our Birmingham study.
Washwood Heath, Birmingham
Those living in densely-populated Washwood Heath pay around 4% more than the Birmingham average. The cheapest deals from MyPolicy, Hastings Essentials, Churchill, People's Choice and Insure Pink cost around £1,260 on average per year for a 30-year-old driver of a 2015 Ford Fiesta.
Birmingham Car Insurance is Expensive
Car insurance rates are more expensive in Birmingham than in most other major cities in England. We've compared postcodes across England by averaging the 3 cheapest quotes available for a 50-year-old driver from our car insurance partner QuoteZone and found that Birmingham drivers pay 39% more than average. The same holds true for young drivers in Birmingham.
|City||Post Code||Cheap Quotes|
Why is car insurance in Birmingham so expensive? Because of high claims rates. Unfortunately, the most popular car make in the UK is also the most likely to be stolen in Birmingham—which means that many motorists are affected by car theft and insurance rates are high.
To save money on car insurance in Birmingham, you can either move to a different neighborhood or try one of these 10 top tips for lowering the cost of car insurancesome are bound to work for you!
Car insurance is so expensive in Birmingham due to higher rates of claims than in other areas of the UK, for instance high rates of theft. Learn more about other reasons why car insurance is so expensive.
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 sample driver from 40 UK car insurance brands across 10 Birmingham postcodes. To find a sample price for each Birmingham neighborhood in our study, we took the 5 cheapest quotes available at the time. It's critical to shop around for car insurance, as we noticed some brands charge 2X or 3X as much as others—comparing prices to find the best deal can save you over £1,500 a year.
Our sample driver was a 30-year-old male driver with a Full UK Licence and 5 years of No Claims Discount who drives a five-year-old 2015 Ford Fiesta (the UK's most popular car). Insurance is quoted with a start date 3 weeks later (buying car insurance early can save you money!). Our sample driver parks on a private driveway and drives under 7,000 miles per year. Note: these quotes are for a theoretical driver—you may get better or worse quotes when you enter your details. Please note that many insurance companies wouldn't return a quote for a "theoretical" driver so you may very well find other companies offer cheaper quotes! We tested prices for the following ten Birmingham neighborhoods:
- Kings Heath
- Selly Oak
- Bordesley Green
- Washwood Heath
Altogether we collected over 500 quotes from the following 40 car insurance brands. Not all companies returned quotes for each neighborhood.
You may notice that some household insurance names are not included in the list of brands we surveyed, such as Admiral or Direct Line. Unfortunately, not all quote systems allow you to get a sample quote for a hypothetical car and driver. For companies that require information such as the car registration number and driver's licence number, we were unable to get quotes. This means that you may find an even cheaper quote for cover than we found in our survey!
Also, we excluded results from one company that consistently quoted cheap prices but imposed an excessively high excess: the excess for Doddle Cover quotes in our survey was a whopping £1,500, 3X the excess on most other policies. The excess is critical because you need to contribute this amount towards any claims—which not only means you'd need to have this amount of money at your disposal should you need it, but in the event of a claim you'll get less cover from the insurance company.
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 of Birmingham
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