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How much is car insurance in Birmingham?

Knowing the average cost of car insurance in Birmingham can help you make a more confident decision when it comes to buying your policy. Drivers in the West Midlands pay £1,068* for their car insurance premiums, on average. This is £207 more expensive than the UK average of £861 according to our price index data

Each quarter we look at 6 million car insurance quotes to understand how prices have changed across all areas of the UK. This data is embedded into our insurance calculator to help you find the average price in your area. Compare car insurance quotes to get the most accurate price.

 

*Confused.com price index data, Q3 2024.

Why is car insurance in Birmingham so expensive?

When insurers calculate your price they will look at several factors, including your location. For example, if Birmingham has more claims, worse crime rates and higher accident rates than the UK average, it could increase the rate of your premium.

Which areas are most at risk in the UK for car theft?

Our data suggests Birmingham is the second-worst affected city for car theft in the UK**. This could be one of the reasons why car insurance is more expensive compared with car insurance in other regions of the UK. You should take extra precaution to minimise this risk. Check out our top tips for car theft prevention.

Here’s the top 10 cities where you car is more at risk of being stolen(2):

  • London
  • Birmingham
  • Manchester
  • Sheffield
  • Romford
  • Ilford
  • Dudley
  • Coventry
  • Walsall
  • Chelmsford
See the likelihood of your car being stolen by using our car theft risk calculator.
 
(2)Data used is based on car theft claims declared by Confused.com customers since January 2018. It's important to remember that it only includes data from our customers and is not representative of all car thefts in the UK.

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Why use Confused.com?

  • Exclusive deals: We work closely with our insurance partners to get our best deals and exclusive discounts so you can save even more.
  • Help yourself to 1 of 4 rewards: When you purchase car insurance, choose from one of four rewards**.
  • Save up to £523***: With our price comparison, you can find our best deals and could save up to £523 on your car insurance.
  • Customer fairness and protection: We're regulated by the Financial Conduct Authority (FCA) and take your finances seriously. We ensure you are treated fairly. 

***Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '24). 51% of Confused.com car insurance customers could save £523.17

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What our car insurance expert says

“If you're getting car insurance in Birmingham, just a heads up - it tends to be more expensive because of the heavy traffic in the area. More cars on the road mean a higher chance of accidents, and insurers factor that in when setting prices.

To save some money, it’s always a good idea to compare quotes from different insurers. Shopping around can help you find the best deal, even in high-cost areas like Birmingham.”

Rhydian Jones - Confused.com Commercial Director
Commercial Director & Motoring Expert Confused.com logo

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Page last reviewed: 23 October 2024

Reviewed by: Rhydian Jones

1Correct as of October 2024