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

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

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

Compare Quotes from Top Providers and Save now!

A Comprehensive Guide to Car Insurance Rates in Avon, AL

Auto insurance rates in Avon, Alabama can vary significantly based on numerous factors including the vehicle's make and model, the driver's experience, credit history, and even where the car is generally parked. In this article, we will dive into the dynamics of car insurance in Avon, AL, identifying key competitors, their prices, and an analysis on quotes, rates, and agents.

Top Competitors

  • State Farm: Known for its strong customer service, State Farm provides comprehensive car insurance coverage in Avon, AL. The average annual premium with State Farm is around $1,500 for a full coverage policy.

  • GEICO: Offering competitively priced policies, GEICO's average annual car insurance rate in Avon is about $1,400 for full coverage.

  • Allstate: Allstate is reputed for its customizable policies. The average annual premium with Allstate in Avon hovers around $1,600.

  • Progressive: Progressive, famous for its Name Your Price tool, has an average annual premium of about $1,550 in Avon.

  • Farmers: Farmers Insurance offers a variety of coverage options with an average annual premium of around $1,650 in Avon.

Analysis on Quotes, Rates & Agents

Auto insurance quotes are impacted by a variety of factors, including the driver's age, driving history, credit score, and the type of car they drive. As such, it's crucial for consumers to gather quotes from multiple providers to ensure they're getting the best rate possible.

Agents play a significant role in this process, often helping customers navigate the complexities of auto insurance policies and providing personalized advice based on individual needs and circumstances. In Avon, local agents have deep knowledge of the area, including specific risks, and can provide tailored guidance on the appropriate coverage level and potential discounts.

Factors Influencing the Insurance Rates

Several factors influence car insurance rates in Avon, AL, and it's important to understand these as you shop for coverage:

Location: Where you live in Avon can impact your insurance rates. If you live in an area with high crime rates or a high incidence of car accidents, you could pay more for car insurance.

Age and Driving Experience: Younger drivers and those with less driving experience often pay higher insurance rates. This is because these groups are statistically more likely to be involved in accidents.

Credit Score: Insurers often use credit scores as a part of their underwriting process. Those with lower credit scores may face higher premiums.

Vehicle Type: The make, model, and year of your vehicle also impact insurance rates. Vehicles that are more expensive to repair or replace or have a high theft rate can have higher insurance premiums.

Driving Record: Drivers with a history of traffic violations or accidents are likely to pay more for car insurance than those with clean driving records.

Auto insurance in Avon, AL, is determined by a complex interplay of various factors, and the rates can vary significantly from one insurance company to another. By understanding these factors and shopping around, it is possible to find a rate that offers good coverage at a price that fits your budget.

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

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

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

Avon Cottonwood Dothan Houston County Cowarts Webb
Average Insurance Rates $1,430 $1,412 $1,359 $1,455 $1,423 $1,415

Avon, 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 Avon, 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)
Avon $1,243 $1,050
Houston County $1,505 $1,271
Ashford $2,813 $2,376
Cowarts $1,932 $1,632
Webb $1,335 $1,128
Dothan $1,265 $1,068
Cottonwood $1,315 $1,111
Kinsey $1,479 $1,249

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

Teenagers in Avon, 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 $4,640
20 Years $1,837
30 Years $1,415
40 Years $1,362
50 Years $1,261
60 Years $1,279
70 Years $1,488

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

Car owners in Avon, 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 $2,460 $400
3 Vehicles $3,689 $601
4 Vehicles $4,919 $801

Savings on 2 Vehicles bundle:$400

Savings on 3 Vehicles bundle:$601

Savings on 4 Vehicles bundle:$801

Avon, 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 Avon, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Avon $1,430 $2,535
Houston County $1,455 $2,580
Ashford $1,456 $2,582
Cowarts $1,423 $2,523
Webb $1,415 $2,509
Dothan $1,359 $2,410
Cottonwood $1,412 $2,504
Kinsey $1,410 $2,500

Avon, 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) $1,227
Excellent (740-799) $1,401
Good (670-739) $1,490
Average (580-669) $1,944
Poor (300-579) $2,332

Avon, 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
Brian Jones State Farm 190 Westgate Pkwy, Dothan, 36303-2931 334-793-6396
Gene Mcgriff State Farm 2948 Ross Clark Cir, Dothan, 36301-1161 334-793-7618
Germaine Johnson Allstate 1034 Ross Clark Cir Ste 3, Dothan, 36303 (334) 699-4000
Drew Phillips Allstate 130 Honeysuckle Rd, Dothan, 36305 (334) 792-7676
Interstate Motor Carriers/Capacity Agency Llc None 1515 Oak Drive, Dothan, 36303 None
Mallory-Tate Insurance Services, Llc None 2426 S Park Ave, Dothan, 36301 None
Slingluff Insurance Agency Inc Travelers 568 S Oates St, Dothan, 36301 None
Robert Cannon Allstate 1560 Hartford Hwy, Dothan, 36301 (334) 792-0030
Circle Insurance Agency Inc Travelers 863 ANDREWS AVE, OZARK, 36361 334-774-7177

Avon, 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 $1,493
Driver's Failure In Showing Documents +$139 $1,569
Driving With An Expired Registration +$147 $1,577
Driving At A Considerably Slow Pace +$310 $1,740
Using A Cellphone While Driving +$327 $1,757
Running A Red Light +$333 $1,763
Speeding +$350 $1,780
Driving A Vehicle Without The Required Permission +$445 $1,875
Driving With An Expired/Suspended License +$964 $2,394

Avon, 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 $1,373
Active Disabling Device $1,373
Tracking Device $1,344
Passive Disabling Device $1,330