Cheap Car Insurance for Drivers in Birmingham, England
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Our analysis of 40 brands showed that Churchill was the winner for cheap car insurance in Birmingham UK, with the cheapest rates overall across ten neighborhoods. The average car insurance cost for Birmingham was £926 from Churchill for our sample driver—17% less than the average of the cheapest 5 quotes available in each area. However, Churchill does not always come out cheapest for everybody.
- Which Car Insurance Companies are Cheapest in Birmingham UK?
- Average Cost of Birmingham UK Car Insurance by District
We discovered that car insurance prices can vary widely within a city from postcode to postcode, as you'll see below. As a result, drivers should compare prices to get the best car insurance prices. Click on the button above to start shopping for car insurance in your area.
Car Insurance in Birmingham UK
To see which car insurance brands offered the cheapest comprehensive car insurance prices in Birmingham, we gathered quotes from 40 car insurance brands that operate in a selection of 10 Birmingham neighborhoods (see our Methodology section for more information).
We then ranked the insurance companies based on their average quotes across all neighborhoods. Premiums reflect a 30-year-old male with a driving history and used car as described in our Methodology section. Here are the five auto insurance companies with the best rates in Birmingham.
The results show that, of the 40 brands in our study, Churchill had the cheapest overall comprehensive car insurance in Birmingham, with an average cost of £926 across all 10 areas. Churchill's plans were 33% less than the average of the next 5 cheapest (My Policy, Hastings, Sheilas' Wheels, esure and People's Choice). That said, Churchill was not the cheapest in all neighborhoods, so 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|
We also check quotes for a 19-year-old driver in Birmingham and found that car insurance prices started from £1,200 to £1,500 a year with prices varying considerably by Birmingham post code, for a used car as described in our Methodology section. Most of the cheaper policies were black box/telematics plans, such as More Than Smart Wheels, Carrot, Ingenie, MyPolicy, Doddle Cover, and O2.
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 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.
Average Cost of Car Insurance in Birmingham
A typical 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.
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.
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. 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.
- Advantage Insurance
- Be Wiser
- City Insurance
- Dial Direct
- Doddle Cover
- General Accident
- Go Girl
- Hastings Essential
- Insure 2 Drive
- Insure Pink
- Insure The Box
- Lloyds Bank
- LV= / Plus
- M&S Car Insurance
- More Than Motor
- My Policy
- NCI Insurance
- O2 Drive
- One Call Insurance
- People's Choice
- Post Office
- Right Choice
- Sainsbury's Bank
- Sheilas' Wheels
- Tesco Bank Box
- U Drive
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
Quickly compare up to 99 insurance providers.