Autauga County, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Autauga County, 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.
An Inside Look at Autauga County, AL Car Insurance Rates
Autauga County, Alabama, is home to thriving communities, scenic beauty, and a wide array of car insurance options. This article takes an inside look at car insurance rates in Autauga County, focusing on the leading competitors, their prices, and the key factors shaping insurance rates in the area.
Top Competitors and their Prices
Several well-established insurance providers serve Autauga County, each offering varied coverage options and prices:
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State Farm: A nationwide provider known for its comprehensive coverage, State Farm's average annual rate in Autauga County is around $1,310.
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Geico: Famous for its competitive pricing, Geico offers an average annual rate of approximately $1,265 in Autauga County.
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Allstate: Allstate, renowned for its wide coverage options, boasts an average annual rate of about $1,415.
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Progressive: With flexible coverage options, Progressive's average annual rate in Autauga County is roughly $1,365.
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Liberty Mutual: Known for its array of benefits and discounts, Liberty Mutual's average annual rate stands at approximately $1,395 in Autauga County.
These figures are average estimates, with actual rates varying significantly based on factors such as a driver's history, age, and the type of vehicle insured.
Quotes, Rates, and Agents
Autauga County's car insurance market is competitive, with rates differing substantially among providers. The quotes offered by insurance companies are determined by their risk assessment models and the agent's understanding of a client's needs.
Insurance agents play a vital role in this process. They act as intermediaries between clients and insurance companies, providing crucial guidance to clients in navigating the complex landscape of car insurance. Autauga County's agents leverage their local knowledge to provide tailored policies that best meet individual needs.
Factors Influencing Car Insurance Rates in Autauga County
Several factors influence the car insurance rates in Autauga County:
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Driving Record: Drivers with a clean record generally receive lower premiums than those with a history of accidents or violations.
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Vehicle Type: The make, model, and year of a vehicle significantly impact insurance costs. Newer, high-end vehicles usually cost more to insure than older, less expensive ones.
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Demographics: Age, gender, and marital status can affect insurance rates. Typically, younger, single, male drivers often pay higher rates due to perceived risk.
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Location: High-traffic areas or locations with frequent accident rates often have higher insurance premiums. Similarly, regions with high rates of vehicle theft can lead to increased insurance rates.
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Credit Score: Many insurance companies use credit scores as a measure of a driver's financial responsibility, impacting the rates they offer.
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Coverage and Deductibles: The level of coverage chosen and the deductible amount directly affect the premium. Generally, more coverage and lower deductibles result in higher premiums.
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Local Regulations: State and local laws, such as Alabama's requirement for drivers to carry a minimum level of liability insurance, can also influence insurance costs.
The car insurance market in Autauga County, AL, is subject to a multitude of influences, leading to considerable variation in rates between providers. It is advisable for customers to shop around, understand their insurance needs, and consult with a knowledgeable insurance agent to find a policy that best aligns with their circumstances. Whether you're a newcomer or a long-term resident of Autauga County, regular reviews of your car insurance policy can ensure you're getting the best coverage at a competitive price.
Factors that can influence the cost of car insurance in Autauga County, 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.
- Autauga County, AL Auto Insurance Rates
- Autauga County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Autauga County, AL
- Multi Vehicle Insurance Savings in Autauga County, AL
- How Credit Score Affects Car Insurance Rates in Autauga County, AL
- How DUI Affects Auto Insurance Premiums in Autauga County, AL
- Top Auto Insurance Agents Near Autauga County, AL
- How Driving Violations Affect Auto Insurance Rates in Autauga County, AL
- Autauga County, AL Auto Insurance Discounts on Anti Theft Feature
Autauga County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Autauga County, AL with that of other cities in and around Autauga County.
| Autauga County | Prattville | Billingsley | Marbury | Millbrook | Autaugaville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,472 | $1,456 | $1,421 | $1,447 | $1,475 | $1,410 |
Autauga County, 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 Autauga County, 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) |
|---|---|---|
| Autauga County | $1,717 | $1,450 |
| Autaugaville | $1,376 | $1,162 |
| Billingsley | $1,419 | $1,199 |
| Prattville | $1,439 | $1,215 |
| Marbury | $1,656 | $1,399 |
| Pine Level | $1,720 | $1,453 |
| Lowndesboro | $1,192 | $1,007 |
| Millbrook | $1,012 | $855 |
Autauga County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Autauga County, 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 | $4,776 |
| 20 Years | $1,891 |
| 30 Years | $1,457 |
| 40 Years | $1,402 |
| 50 Years | $1,298 |
| 60 Years | $1,316 |
| 70 Years | $1,532 |
Autauga County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Autauga County, 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 | $2,502 | $442 |
| 3 Vehicles | $3,754 | $662 |
| 4 Vehicles | $5,005 | $883 |
Savings on 2 Vehicles bundle:$442
Savings on 3 Vehicles bundle:$662
Savings on 4 Vehicles bundle:$883
Autauga County, 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 Autauga County, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Autauga County | $1,472 | $2,610 |
| Autaugaville | $1,410 | $2,500 |
| Billingsley | $1,421 | $2,519 |
| Prattville | $1,456 | $2,582 |
| Marbury | $1,447 | $2,566 |
| Pine Level | $1,478 | $2,621 |
| Lowndesboro | $1,421 | $2,519 |
| Millbrook | $1,475 | $2,615 |
Autauga County, 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) | $1,263 |
| Excellent (740-799) | $1,442 |
| Good (670-739) | $1,534 |
| Average (580-669) | $2,001 |
| Poor (300-579) | $2,401 |
Autauga County, 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 |
|---|---|---|---|
| Strock Insurance Agency | Travelers | 984 E MAIN ST, PRATTVILLE, 36066 | 334-365-6555 |
| Southern American Insurance Llc | None | 220 West 6Th Street, Prattville, 36067 | None |
| Mike Devers | State Farm | 100 Deatsville Highway, Millbrook, 36054 | 334-285-3662 |
| Shane Anderson | State Farm | 5289 Vaughn Rd, Montgomery, 36116-1104 | 334-396-8808 |
| Mittie Brown | Farmers | 9330 Highway 119 Ste 300, Alabaster, 35007 | (205) 664-1944 |
| Kip Lowe | Allstate | 4722 Woodmere Blvd, Montgomery, 36106 | (334) 274-0126 |
| Connita Griffin Turner | Allstate | 1361 10th Ave Ste C, Calera, 35040 | (205) 668-6351 |
| Tom Barnard | State Farm | 1002 E Main St, Prattville, 36066-5624 | 334-365-5907 |
| Kelley Summerlin | Farmers | 126 1st Ave W Ste B, Alabaster, 35007 | (205) 358-8035 |
| The Family Agency | Allstate | 37 Buck Creek Plz Ste 200, Alabaster, 35007 | (205) 664-1892 |
| Rux Carter Insurance Agency | Travelers | 107 MAIN ST N, COLUMBIANA, 35051 | 205-669-3158 |
Autauga County, 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 | +$65 | $1,537 |
| Driver's Failure In Showing Documents | +$143 | $1,615 |
| Driving With An Expired Registration | +$152 | $1,624 |
| Driving At A Considerably Slow Pace | +$319 | $1,791 |
| Using A Cellphone While Driving | +$337 | $1,809 |
| Running A Red Light | +$343 | $1,815 |
| Speeding | +$361 | $1,833 |
| Driving A Vehicle Without The Required Permission | +$458 | $1,930 |
| Driving With An Expired/Suspended License | +$992 | $2,464 |
Autauga County, 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 | $1,413 |
| Active Disabling Device | $1,413 |
| Tracking Device | $1,384 |
| Passive Disabling Device | $1,369 |