Albertville Auto Insurance Rates, Quotes, Agents & Reviews in AL

Albertville, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Albertville, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Ways to Reduce the Cost of Auto Insurance in Albertville, AL

The average cost of auto insurance in Albertville, AL, is $1,441. This cost is higher than nearby locations like New Union, Boaz, and Albertville-Boaz but lower than other nearby places like Guntersville and Sardis City. Car owners in Albertville, AL can reduce the cost of their car insurance by considering various factors like the neighborhood, credit score, and deductibles. Below is an analysis by Zimlon highlights some factors that can lower the cost of car insurance in Albertville, AL. 

Neighborhood:

The neighborhood one lives in Albertville, AL influences the cost of car insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the prices can vary. 

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Albertville, AL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance in Albertville, AL, on a deductible of $500 is $1,700 and it decreases to $1,436 when the deductible is $1,000.

Age of the Driver: 

Car owners in Albertville, AL, can lower their car insurance costs by comparing multiple age of the driver based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers in Albertville, AL, pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. The average cost of car insurance for a teenager in Albertville, AL, is $4,676. Whereas, for a 40 to 60-year-old car driver the average cost of car insurance in Albertville, AL, is less than $1300. Below is the list of the cost of car insurance for different age groups in Albertville, AL.

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Multi-Car Insurance: 

Car owners in Albertville, AL, can further reduce the cost of their car insurance by opting for multi-car insurance policies and insuring multiple vehicles with the same insurance company. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits.

According to Zimlon’s research, car owners in Albertville, AL, can save $346 by opting to insure two cars together. Insuring three or four cars would further help residents of Albertville, AL, to save $519 and $692, respectively. 

Credit Score:

Having an “excellent” or “good” credit score will also help to make car insurance less expensive in Albertville, AL. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Albertville, AL, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,236. Whereas car insurance costs can get as high as $1,959 and $2,350 if the credit score is average or poor. 

Factors that can influence the cost of car insurance in Albertville, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Albertville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Albertville, AL with that of other cities in and around Albertville.

Albertville New Union Boaz Guntersville Albertville-Boaz Sardis City
Average Insurance Rates $1,441 $1,408 $1,437 $1,471 $1,435 $1,463

Albertville, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Albertville, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Albertville $1,700 $1,436
Albertville-Boaz $1,461 $1,234
Boaz $1,327 $1,121
Marshall County $1,376 $1,162
Guntersville $1,310 $1,107
Sardis City $1,712 $1,446
Douglas $1,579 $1,334
New Union $1,384 $1,169

Albertville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Albertville, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,676
20 Years $1,852
30 Years $1,426
40 Years $1,372
50 Years $1,271
60 Years $1,288
70 Years $1,500

Albertville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Albertville, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,536 $346
3 Vehicles $3,804 $519
4 Vehicles $5,072 $692

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$519

Savings on 4 Vehicles bundle:$692


Albertville, AL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Albertville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Albertville $1,441 $2,555
Albertville-Boaz $1,435 $2,544
Boaz $1,437 $2,548
Marshall County $1,445 $2,562
Guntersville $1,471 $2,608
Sardis City $1,463 $2,594
Douglas $1,397 $2,477
New Union $1,408 $2,496

Albertville, AL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,236
Excellent (740-799) $1,411
Good (670-739) $1,502
Average (580-669) $1,959
Poor (300-579) $2,350

Albertville, AL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Michael Higdon Allstate 1024 Blount Ave, Guntersville, 35976 (256) 582-1239
Jay Rains Farmers 201 E Mckinney Ave Ste B, Albertville, 35950 (256) 878-1311
Lynn Holifield State Farm 1528 Gunter Avenue, Guntersville, 35976-0130 256-582-4476
Michael Higdon Allstate 319a Al Highway 75 N, Albertville, 35951 (256) 878-8787
Allison Agency Inc Travelers 8457 US HWY 431, ALBERTVILLE, 35950 256-891-8686
Carolyn Lankford Allstate 7771 Highway 72 W Ste A, Madison, 35758 (256) 430-0477
Ken Davis State Farm 3503 Memorial Pkwy NW Ste Ea, Huntsville, 35810-2414 256-489-5450
Harris Fowler Insurance Inc Travelers Po Box 218, Albertville, 35950 None
Tim Roberts State Farm 303 Williams Ave SW Ste 1221, Huntsville, 35801-6082 256-533-3431
Apc Insurance Travelers 6210-A OLD MADISON PIKE, HUNTSVILLE, 35806 256-837-0552
The Insurance King, Inc. None Po Box 1409, Decatur, 35602 None

Albertville, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,504
Driver's Failure In Showing Documents +$140 $1,581
Driving With An Expired Registration +$148 $1,589
Driving At A Considerably Slow Pace +$313 $1,754
Using A Cellphone While Driving +$330 $1,771
Running A Red Light +$336 $1,777
Speeding +$353 $1,794
Driving A Vehicle Without The Required Permission +$448 $1,889
Driving With An Expired/Suspended License +$971 $2,412

Albertville, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,383
Active Disabling Device $1,383
Tracking Device $1,355
Passive Disabling Device $1,340