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

Baldwin County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Baldwin 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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A Comprehensive Look at Car Insurance Rates in Baldwin County, AL

Located on Alabama's beautiful Gulf Coast, Baldwin County hosts a robust auto insurance market, with many top-rated insurance providers offering competitive rates. This article provides a comprehensive look at car insurance rates in Baldwin County, highlighting the leading competitors, their prices, and factors influencing insurance rates in the county.

Top Competitors and their Prices

A variety of well-known insurance providers serve the residents of Baldwin County, each with their unique coverage options and pricing structures:

  • State Farm: Known for its reliable coverage, State Farm's average annual rate in Baldwin County is around $1,295.

  • Geico: A popular choice for its competitive pricing, Geico's average annual rate in Baldwin County stands at approximately $1,255.

  • Allstate: Renowned for its broad coverage options, Allstate's average annual rate is about $1,405.

  • Progressive: Progressive, famed for its flexible policies, offers an average annual rate of roughly $1,355 in Baldwin County.

  • Liberty Mutual: Known for its range of benefits and discounts, Liberty Mutual's average annual rate in Baldwin County is approximately $1,385.

These figures are average estimates, and actual rates can vary significantly depending on various factors, such as driving history, age, and the type of vehicle insured.

Quotes, Rates, and Agents

The car insurance landscape in Baldwin County is characterized by its competitiveness, with rates varying significantly among providers. Quotes offered by insurance companies are based on their proprietary risk assessment models and the agent's understanding of the client's needs.

Insurance agents play a critical role in this dynamic. They act as the liaison between clients and insurance companies, guiding clients through the intricate world of car insurance. Agents in Baldwin County utilize their deep understanding of local market dynamics to offer tailored policies that best meet the needs of individual drivers.

Factors Influencing Car Insurance Rates in Baldwin County

Several factors influence the car insurance rates in Baldwin 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 can significantly impact insurance costs. Generally, insuring newer, high-end vehicles is more expensive than older, less costly models.

  • Demographics: Age, gender, and marital status can influence insurance rates. Younger, single, male drivers often face higher rates due to perceived risk.

  • Location: Areas with high traffic volumes or high accident rates usually have higher insurance premiums. Similarly, regions with high rates of vehicle theft can also lead to increased insurance rates.

  • Credit Score: Many insurance companies use credit scores as a measure of a driver's risk, which can impact the rates they offer.

  • Coverage and Deductibles: The level of coverage selected and the deductible chosen can directly affect the premium. More coverage and lower deductibles generally 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 affect insurance costs.

The car insurance market in Baldwin County, AL, is shaped by a variety of factors, leading to considerable differences in rates among providers. Customers are advised to shop around, understand their insurance needs, and consult with a knowledgeable insurance agent to secure a policy that best fits their circumstances. Whether you're new to Baldwin County or a long-term resident, regular reviews of your car insurance policy can ensure optimal coverage at a competitive price.

Factors that can influence the cost of car insurance in Baldwin 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.

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

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

Baldwin County Summerdale Loxley Spanish Fort Silverhill Robertsdale
Average Insurance Rates $1,515 $1,457 $1,479 $1,601 $1,492 $1,470

Baldwin 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 Baldwin 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)
Baldwin County $1,223 $1,033
Loxley $1,066 $900
Silverhill $1,446 $1,221
Spanish Fort $1,719 $1,452
Robertsdale $2,839 $2,398
Daphne $1,696 $1,433
Bay Minette $2,029 $1,714
Summerdale $2,815 $2,378

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

Teenagers in Baldwin 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 $4,916
20 Years $1,947
30 Years $1,499
40 Years $1,443
50 Years $1,336
60 Years $1,354
70 Years $1,577

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

Car owners in Baldwin 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 $2,606 $424
3 Vehicles $3,909 $636
4 Vehicles $5,212 $848

Savings on 2 Vehicles bundle:$424

Savings on 3 Vehicles bundle:$636

Savings on 4 Vehicles bundle:$848

Baldwin 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 Baldwin County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Baldwin County $1,515 $2,686
Loxley $1,479 $2,622
Silverhill $1,492 $2,645
Spanish Fort $1,601 $2,839
Robertsdale $1,470 $2,606
Daphne $1,330 $2,358
Bay Minette $1,470 $2,606
Summerdale $1,457 $2,583

Baldwin 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) $1,300
Excellent (740-799) $1,484
Good (670-739) $1,579
Average (580-669) $2,060
Poor (300-579) $2,471

Baldwin 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
Tim Simmonds State Farm 356 Morphy Ave, Fairhope, 36532-2301 251-928-1400
Alex Taylor Allstate 8531 Spanish Fort Blvd Ste 2, Spanish Fort, 36527 (251) 725-5505
Terry Horton Allstate 25833 State Highway 181, Daphne, 36526 (251) 625-6767
Hill Robinson Farmers 28080 Us Highway 98 Ste C, Daphne, 36526 (251) 626-1085
S.S. Nesbitt & Co., Inc. - Daphne None 9949 Bellaton Avenue 9949 Bellaton Avenue, Daphne, 36526 None
Billy Yates State Farm 9943 Lifeline Ct Ste D, Mobile, 36608-8522 251-633-3301
Thames, Jackson, Harris Co., Inc. None 60 St Francis St, Mobile, 36602 None
Joey Strickland State Farm 5786 Highway 90 Bldg A, Theodore, 36582-1641 251-653-0116

Baldwin 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 +$67 $1,582
Driver's Failure In Showing Documents +$147 $1,662
Driving With An Expired Registration +$156 $1,671
Driving At A Considerably Slow Pace +$329 $1,844
Using A Cellphone While Driving +$347 $1,862
Running A Red Light +$353 $1,868
Speeding +$371 $1,886
Driving A Vehicle Without The Required Permission +$471 $1,986
Driving With An Expired/Suspended License +$1,021 $2,536

Baldwin 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 $1,454
Active Disabling Device $1,454
Tracking Device $1,424
Passive Disabling Device $1,409