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

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

Zimlon, through its research, found that car owners in Butler 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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Butler County's Car Insurance Rates: A Detailed Report

Butler County, located in the heart of Alabama, offers a unique blend of rural charm and urban convenience. As residents navigate the county's roads, an understanding of car insurance becomes essential. In this detailed report, we unravel the nuances of car insurance rates in Butler County, delving into the top competitors, their price points, and the influential factors molding the rates.

Leading Market Players and Their Pricing Landscape

While individual premiums can oscillate based on a variety of personal determinants, a broad-brush look at the major insurance purveyors in Butler County suggests the following price ranges:

State Farm: An industry stalwart, State Farm's yearly premiums in Butler County tend to range from $1,125 to $1,565.

Geico: With its extensive national presence, Geico's rates in Butler County typically span from $1,045 to $1,475 annually.

Allstate: Allstate, a trusted name in insurance, usually offers annual premiums in Butler County between $1,225 and $1,665.

Progressive: Appreciated for its customer-centric ethos, Progressive's rates in Butler County are generally pegged between $1,205 and $1,625.

Farmers: With its diverse policy offerings, Farmers’ indicative rates in Butler County stand between $1,175 and $1,635 annually.

Decoding the Triad: Quotes, Rates & Agents

For a comprehensive grasp of Butler County’s insurance landscape, understanding the interplay of quotes, rates, and agents is imperative:

Quotes: These are preliminary price estimates tailored for potential policyholders. For a well-rounded view, it's beneficial for Butler County residents to collate quotes across online platforms and local agents.

Rates: More than just monetary figures, rates capture myriad considerations, ranging from vehicle specifics to county-wide accident data.

Agents: These industry mavens act as a bridge between insurers and customers. Their insights and experience are pivotal in guiding Butler County residents towards suitable insurance solutions.

Pivotal Factors Steering Butler County’s Insurance Rates

Several individual and localized factors shape the insurance rate tapestry in Butler County:

Demographics: Parameters such as age, gender, and marital status can significantly impact rates. Historically, younger drivers, particularly males, tend to be levied with higher rates.

Driving Track Record: A past marred by traffic violations or accidents can invariably bump up the premium.

Vehicle Specifics: Premium cars or those with a high-performance profile typically command heftier insurance tags.

Credit Score: An exemplary credit history can be a boon, potentially reducing the premium, as insurers often equate fiscal responsibility with driving behavior.

Local Crime Metrics: Elevated incidents of car theft or vandalism in certain parts of Butler County can influence insurance rates.

Claim Patterns: A macro-level spike in claims within the county can lead to an overall uptick in rates for its citizens.

Intrinsic County Factors: Elements intrinsically tied to Butler County, such as regular weather patterns or predominant traffic dynamics, also play a role in shaping rates.

Navigating the car insurance terrain in Butler County, Alabama, requires a judicious mix of local awareness, understanding of market leaders, and cognizance of personal influencing factors. Armed with this knowledge, Butler County residents can embark on a journey to secure insurance that encapsulates both comprehensive coverage and financial sensibility.

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

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

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

Butler County Chapman McKenzie Georgiana Fort Deposit Forest Home
Average Insurance Rates $1,412 $1,406 $1,380 $1,383 $1,380 $1,410

Butler 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 Butler 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)
Butler County $1,454 $1,228
Chapman $1,448 $1,223
Greenville $1,239 $1,047
Georgiana $1,497 $1,264
Forest Home $2,175 $1,837
Georgiana-McKenzie $1,524 $1,288
McKenzie $1,351 $1,141
Fort Deposit $1,881 $1,589

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

Teenagers in Butler 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 $4,582
20 Years $1,814
30 Years $1,397
40 Years $1,345
50 Years $1,245
60 Years $1,262
70 Years $1,469

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

Car owners in Butler 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 $2,400 $424
3 Vehicles $3,601 $635
4 Vehicles $4,801 $847

Savings on 2 Vehicles bundle:$424

Savings on 3 Vehicles bundle:$635

Savings on 4 Vehicles bundle:$847

Butler 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 Butler County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Butler County $1,412 $2,504
Chapman $1,406 $2,493
Greenville $1,424 $2,525
Georgiana $1,383 $2,452
Forest Home $1,410 $2,500
Georgiana-McKenzie $1,385 $2,456
McKenzie $1,380 $2,447
Fort Deposit $1,380 $2,447

Butler 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) $1,211
Excellent (740-799) $1,383
Good (670-739) $1,471
Average (580-669) $1,920
Poor (300-579) $2,303

Butler 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
Brian Moss State Farm 631 Willow Ln Ste M, Greenville, 36037-8028 334-371-7676
Shane Anderson State Farm 5289 Vaughn Rd, Montgomery, 36116-1104 334-396-8808
Ken Bishop State Farm 2101 Eastern Blvd Ste 111, Montgomery, 36117-1610 334-277-6655
Aronov Insurance Inc Travelers 3500 Eastern Blvd, Montgomery, 36116 None
Insurance Solutions Group Of Greenville Llc None 415 E Commerce St, Greenville, 36037 None
Starke Agency Inc Travelers 210 COMMERCE ST, MONTGOMERY, 36104 334-263-5535
The Cone Insurance Company Inc Liberty Mutual Independent 4121 CARMICHAEL RD STE 401, MONTGOMERY, 36123 (334) 272-4791
Bancorp Ins Srv Allstate 4216 Carmichael Rd, Montgomery, 36106 (334) 272-1200
Thompson Insurance Inc Travelers 3300 Gatsby Lane, Montgomery, 36106 None
Joe Hall State Farm 6940 Vaughn Rd, Montgomery, 36116-1368 334-270-2723

Butler 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 +$62 $1,474
Driver's Failure In Showing Documents +$137 $1,549
Driving With An Expired Registration +$145 $1,557
Driving At A Considerably Slow Pace +$306 $1,718
Using A Cellphone While Driving +$323 $1,735
Running A Red Light +$329 $1,741
Speeding +$346 $1,758
Driving A Vehicle Without The Required Permission +$439 $1,851
Driving With An Expired/Suspended License +$952 $2,364

Butler 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 $1,356
Active Disabling Device $1,356
Tracking Device $1,327
Passive Disabling Device $1,313