Birmingham has 198,173 residents in 88,788 households. We list 12 agencies for collectible auto insurance in Birmingham. Here is what the local numbers say about the cover people here need.

Birmingham at a glance

12collectible auto insurance agencies listed
54.5%of households rentRenters insurance
$158,800median home valueHome insurance
1965median year homes were builtRebuild cost calculator
12%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Jefferson County

FEMA rates the overall natural hazard risk in Jefferson County, where most Birmingham agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Birmingham
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Birmingham
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Alabama
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Birmingham
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Alabama

Alabama requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Birmingham How much liability cover do you need?

Source: revenue.alabama.gov. Checked 2026-10-24.

Insurance companies Birmingham agencies work with

Of the 12 Birmingham agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Chubb8 agencies
Chubb (ACE)6 agencies
Great American6 agencies
Liberty Mutual6 agencies
Mercury6 agencies
The Hartford6 agencies
Travelers6 agencies
Travelers (Standard Fire)6 agencies
CNA5 agencies
Employers5 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Birmingham agencies are

Birmingham agencies we list sit in 7 ZIP codes, mostly in Jefferson County.

352052 agencies
352092 agencies
352222 agencies
352232 agencies
352432 agencies
352331 agency
352421 agency

Questions

Collectible Auto insurance in Birmingham

All insurance agencies in Birmingham · Collectible Auto insurance across Alabama

Where can I find collectible auto insurance in Birmingham?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does collectible auto insurance cover?

Agreed-value cover for classic and collector vehicles.

Which insurance companies do Birmingham agencies work with?

Among the 12 Birmingham agencies whose appointments we hold, the companies they are most often appointed with are Chubb (8), Chubb (ACE) (6), Great American (6), Liberty Mutual (6), Mercury (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Birmingham?

FEMA's National Risk Index rates inland flooding risk in Jefferson County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Collectible Auto insurance near Birmingham

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