Autauga County Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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:

  • State Farm: A nationwide provider known for its comprehensive coverage, State Farm's average annual rate in Autauga County is around $1,310.

  • Geico: Famous for its competitive pricing, Geico offers an average annual rate of approximately $1,265 in Autauga County.

  • Allstate: Allstate, renowned for its wide coverage options, boasts an average annual rate of about $1,415.

  • Progressive: With flexible coverage options, Progressive's average annual rate in Autauga County is roughly $1,365.

  • 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:

  • Driving Record: Drivers with a clean record generally receive lower premiums than those with a history of accidents or violations.

  • 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.

  • Demographics: Age, gender, and marital status can affect insurance rates. Typically, younger, single, male drivers often pay higher rates due to perceived risk.

  • 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.

  • Credit Score: Many insurance companies use credit scores as a measure of a driver's financial responsibility, impacting the rates they offer.

  • 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.

  • 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 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