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Habitat Car Insurance Birmingham AL stands at number 1 in the list of cities with most expensive car insurance rates in Alabama with a indexing difference of $1523. This means that the car owners in Birmingham AL pay $1523 more in car insurance premium than the Alabama state average and $2073 more than the national average. This make it even more important for you to shop for a few car insurance rates before you buy your policy. Exactly where we fit in for you. We help you get multiple car insurance quotes at one place with just 5 simple questions answered or on a quick call with one of our agents.