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

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

Zimlon, through its research, found that car owners in Cherokee 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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Unpacking Car Insurance Rates in Cherokee County, AL

In the picturesque landscapes of Cherokee County, Alabama, car insurance is as much a necessity as anywhere else in the nation. With various elements affecting insurance rates and a multitude of providers vying for the attention of drivers, breaking down the components of car insurance here is vital. Here's your comprehensive look into the car insurance spectrum in Cherokee County.

Top Competitors and Their Prices

Individual rates for car insurance can differ depending on a myriad of factors. However, to give you a general sense of the market, here's a glimpse of the top competitors in Cherokee County:

  • Geico: On average, Geico offers annual rates ranging from $850 to $1,210 for basic coverage in Cherokee County.
  • State Farm: For Cherokee County residents, State Farm usually pitches rates between $880 to $1,275 per year.
  • Progressive: Those insured with Progressive in the county often see annual rates spanning from $910 to $1,250.
  • Allstate: For Allstate users in Cherokee County, yearly rates are typically in the ballpark of $950 to $1,320.

Quotes, Rates & Agents

  • Quotes: These preliminary estimates provided by insurers, based on the details you offer, help gauge potential insurance costs. Procuring multiple quotes is imperative to ensure you're obtaining a competitive rate.
  • Rates: This term refers to the final price of your policy, usually represented monthly or annually. The average car insurance rate in Cherokee County reflects a combination of state-wide and local factors.
  • Agents: Agents, especially those rooted in Cherokee County, are invaluable resources. Their expertise, coupled with a deep understanding of the local terrain, can assist drivers in finding policies tailored to their needs.

Factors Influencing the Insurance Rates in Cherokee County

A combination of widespread and Cherokee County-specific variables come into play when determining car insurance rates:

  • Local Traffic and Accident Rates: High rates of traffic snarls or accidents can cause a spike in insurance premiums.
  • Vehicle Theft Rates: Areas with notable vehicle thefts will likely have heftier insurance costs.
  • Demographics: Age, gender, and marital status are among the demographic details that influence rates. Typically, younger drivers face higher rates due to perceived risk.
  • Local Legislation: Alabama’s Tort system, which dictates that someone be found at fault in accidents and bear the ensuing costs, can have repercussions on rates in Cherokee County.
  • Vehicle Type: The make and model of your car, especially if it leans towards luxury or is pricey to mend, can lead to escalated insurance costs.
  • Driving Record: Clean records often mean reduced rates, whereas those marred by accidents or violations tend to pay more.
  • Coverage Choices: Opting for a comprehensive plan, additional riders, or increased liability limits will understandably affect the cost.

Navigating car insurance in Cherokee County, AL, might seem complex at first glance. But by comparing quotes, grasping the intricacies of rate determination, and leaning on local agent expertise, residents can find the best blend of cost and coverage. While seeking competitive rates is essential, never skimp on coverage; the right protection is invaluable on the road ahead. 

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

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

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

Cherokee County Spring Garden Leesburg Ballplay Hokes Bluff Cedar Bluff
Average Insurance Rates $1,443 $1,444 $1,474 $1,390 $1,447 $1,413

Cherokee 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 Cherokee 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)
Centre $1,652 $1,395
Cherokee County $1,465 $1,237
Spring Garden $1,760 $1,487
Ballplay $1,893 $1,599
Hokes Bluff $1,214 $1,026
Piedmont $1,518 $1,282
Leesburg $1,511 $1,276
Cedar Bluff $2,156 $1,821

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

Teenagers in Cherokee 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 $4,682
20 Years $1,854
30 Years $1,428
40 Years $1,374
50 Years $1,272
60 Years $1,290
70 Years $1,502

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

Car owners in Cherokee 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 $2,540 $346
3 Vehicles $3,810 $519
4 Vehicles $5,079 $693

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$519

Savings on 4 Vehicles bundle:$693

Cherokee 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 Cherokee County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Centre $1,451 $2,573
Cherokee County $1,443 $2,558
Spring Garden $1,444 $2,560
Ballplay $1,390 $2,464
Hokes Bluff $1,447 $2,566
Piedmont $1,403 $2,488
Leesburg $1,474 $2,613
Cedar Bluff $1,413 $2,505

Cherokee 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) $1,238
Excellent (740-799) $1,413
Good (670-739) $1,504
Average (580-669) $1,962
Poor (300-579) $2,354

Cherokee 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
Cody Coffey Allstate 1553 Chesnut Byp, Centre, 35960 (256) 927-6282
Johnson Insurance Agency Travelers 819-C W MAIN ST, CENTRE, 35960 256-927-5440
Pca Insurance Allstate 1470 W Main St Ste H, Centre, 35960 (256) 927-2012
Jerry Mccullars Allstate 1027 S Quintard Ave, Anniston, 36201 (256) 237-1100
Jerry Mccullars Allstate 1027 S Quintard Ave, Anniston, 36201 (256) 237-1100
Jp Dailey State Farm 1911 Martin Street South, Pell City, 35128-2372 205-937-8650
Johnson And Son Insurance Agency Travelers 1031 WEST MAIN STREET, CENTRE, 35960 256-927-5440
Steve Burgess Allstate 456 US Highway 431, Boaz, 35957 (256) 593-7031

Cherokee 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 +$63 $1,506
Driver's Failure In Showing Documents +$140 $1,583
Driving With An Expired Registration +$149 $1,592
Driving At A Considerably Slow Pace +$313 $1,756
Using A Cellphone While Driving +$330 $1,773
Running A Red Light +$336 $1,779
Speeding +$354 $1,797
Driving A Vehicle Without The Required Permission +$449 $1,892
Driving With An Expired/Suspended License +$973 $2,416

Cherokee 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 $1,385
Active Disabling Device $1,385
Tracking Device $1,356
Passive Disabling Device $1,342