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

Zimlon, through its research, found that car owners in Anniston, 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.

Investigating Car Insurance Rates in Anniston, AL

Understanding the nuances of car insurance rates is integral for drivers seeking to protect themselves and their vehicles at the most affordable cost. In this article, we delve into the dynamics of car insurance in Anniston, Alabama, highlighting the top competitors, their pricing, as well as the role of quotes, rates, and agents. Additionally, we explore the various factors influencing insurance rates in Anniston.

Competitors and Their Prices

• State Farm: Known for its extensive coverage and commendable customer service, State Farm's average annual rate for a full coverage policy in Anniston is around $1,550.

• Geico: Renowned for competitive prices and a convenient online platform, Geico's average annual full coverage rate is about $1,450.

• Progressive: Progressive offers a variety of customizable policies and boasts an average annual full coverage rate of approximately $1,650.

• Allstate: Allstate provides a wide range of discounts and maintains strong customer service, with an average premium for full coverage at about $1,700 annually.

• USAA: Specifically catering to military personnel and their families, USAA offers premium services at competitive rates. Their average annual full coverage premium stands around $1,350.

Quotes, Rates & Agents

Car insurance quotes provide an estimate of the cost of a policy with a particular insurer. These quotes can vary considerably based on an array of factors, such as driving history, the type of vehicle, and desired coverage level.

Rates refer to the actual cost of the insurance policy and can be influenced by many of the same factors that impact quotes. It's important for drivers to compare rates from different insurers to find the most affordable coverage.

Agents play a crucial role in helping you navigate the often complex world of car insurance. They can provide personalized advice, explain various policy options, and potentially negotiate better rates on your behalf. Many Anniston residents prefer working with an agent for the personalized service they offer.

Factors Influencing Insurance Rates in Anniston

Several factors can influence car insurance rates in Anniston, AL:

• Driving Record: A driver's history plays a crucial role in determining insurance rates. Those with a clean record typically enjoy lower rates, while drivers with a history of accidents or violations usually face higher premiums.

• Vehicle Type: The make, model, and year of your vehicle can significantly affect insurance costs. Expensive or newer cars usually cost more to insure.

• Location: Where you live in Anniston can impact your rates. Areas with higher rates of accidents or vehicle theft may come with higher premiums.

• Age and Gender: Younger and male drivers typically face higher insurance rates due to statistically higher accident rates within these demographics.

• Credit Score: Insurers often use credit scores as an indicator of risk. A lower credit score can lead to higher premiums.

• Mileage: The more you drive, the more exposure to risk you have, which can result in higher insurance rates.

Understanding the landscape of car insurance rates in Anniston, AL, requires a comprehensive examination of the top providers, their pricing structures, and the numerous factors influencing these rates. By conducting thorough research and seeking the assistance of insurance agents, drivers can find the best policy to meet their needs and budget.

Factors that can influence the cost of car insurance in Anniston, 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.

---

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

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

	Anniston	Alexandria	Oxford	Hobson City	Weaver	West End-Cobb Town
Average Insurance Rates	$1,370	$1,447	$1,462	$1,402	$1,431	$1,392

---

Anniston, 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 Anniston, 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)
Anniston	$1,620	$1,369
West End-Cobb Town	$1,920	$1,622
Saks	$1,539	$1,300
Hobson City	$1,444	$1,220
Oxford	$1,088	$919
Alexandria	$2,795	$2,361
Weaver	$1,808	$1,527
Calhoun County	$1,466	$1,238

---

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

Teenagers in Anniston, 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	$4,445
20 Years	$1,760
30 Years	$1,356
40 Years	$1,305
50 Years	$1,208
60 Years	$1,225
70 Years	$1,426

---

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

Car owners in Anniston, 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	$2,384	$356
3 Vehicles	$3,576	$534
4 Vehicles	$4,768	$712

---

Anniston, 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 Anniston, AL.

Location	Average Insurance Cost	Post DUI Insurance Rate
Anniston	$1,370	$2,429
West End-Cobb Town	$1,392	$2,468
Saks	$1,422	$2,521
Hobson City	$1,402	$2,486
Oxford	$1,462	$2,592
Alexandria	$1,447	$2,566
Weaver	$1,431	$2,537
Calhoun County	$1,436	$2,546

---

Anniston, 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)	$1,175
Excellent (740-799)	$1,342
Good (670-739)	$1,428
Average (580-669)	$1,862
Poor (300-579)	$2,235

---

Anniston, 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
Jerry Mccullars	Allstate	1027 S Quintard Ave, Anniston, 36201	(256) 237-1100
West Insurance Agency Inc	Liberty Mutual Independent	1211 West Hamric Drive, Oxford, 36203	None
Mark Lee Insurance Agency Inc.	Nationwide	320 Snow St STE A, Oxford, 36203	(256) 831-8691
Harris Mckay Insurance	Travelers	1112 WILMER AVE, ANNISTON, 36201	256-236-0301
Randy Jones & Associates Inc	Nationwide	413 Quintard Ave, Anniston, 36201-5751	(256) 237-7508
West Ins Agy Inc	Allstate	203 Hamric Dr W, Oxford, 36203	(205) 831-0205
Jay Barker Agency	Allstate	3000 Eagle Pt Corp Dr Ste 5, Birmingham, 35242	(205) 995-4014
Chester Lewis	State Farm	16641 Highway 280 Ste 300, Chelsea, 35043-8354	205-678-0200
Leo Blankenship	Nationwide	2025 Center Point Pkwy, Birmingham, 35215-4619	(205) 854-1606
Bill Ward	State Farm	1329 Quintard Ave, Anniston, 36201-4619	256-236-1966
Allan Girardea	State Farm	7129 Gadsden Hwy Ste 209, Trussville, 35173-1669	205-661-3420
Steve Frantz	State Farm	112 N Chalkville Rd, Trussville, 35173-1333	205-661-0221

---

Anniston, 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	+$60	$1,430
Driver's Failure In Showing Documents	+$133	$1,503
Driving With An Expired Registration	+$141	$1,511
Driving At A Considerably Slow Pace	+$297	$1,667
Using A Cellphone While Driving	+$314	$1,684
Running A Red Light	+$319	$1,689
Speeding	+$336	$1,706
Driving A Vehicle Without The Required Permission	+$426	$1,796
Driving With An Expired/Suspended License	+$923	$2,293

Anniston, 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	$1,315
Active Disabling Device	$1,315
Tracking Device	$1,288
Passive Disabling Device	$1,274

---

Latest Auto Insurance Reviews in Anniston, AL | Back to Top