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

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

Zimlon, through its research, found that car owners in Cullman, 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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Super Cheap Car Insurance Rates in Cullman, AL

The average cost of car insurance in Cullman, AL, is $1,463. This cost is lower than nearby locations like South Vinemont, Good Hope, and Welti but higher in other cities like Logan. Zimlon’s research found that car owners in Cullman, AL, can get super cheap auto insurance rates and discounts by considering factors like driver’s age, vehicle’s make and model, and credit scores. These factors and associated discounts are explored in detail by Zimlon below. 

Multi-Car Insurance Discounts:

Auto Insurance companies offer attractive discounts on multi-car insurance policies and bundling. In Cullman, AL, car owners can also save more by purchasing their life, auto, and home insurance from the same insurance company. Below is Zimlon’s analysis of average savings one can obtain on multi-vehicle insurance in Cullman, AL.


Anti-Theft Feature Discounts:

Vehicles equipped with safety devices less prone to theft. Therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. Zimlon’s research found that car owners in Cullman, AL, can get super cheap car insurance by installing anti-theft features like passive disabling devices or tracking device features. After installing safety features like an audible alarm or an active disabling device, the average insurance cost comes up to $1,404. Additional features like a tracking device or passive disabling device can reduce the average insurance costs to $1,375 and $1,361, respectively, in Cullman, AL.

Age of the Driver:

Zimlon’s analysis found that teenagers and young drivers pay more car insurance costs than older drivers as insurance companies consider them less responsible behind the wheels. The average insurance cost for a teenager in Cullman, AL, is $4,747, whereas drivers between 30-50 pay less than $1,500. In Cullman, AL, car owners can get various discounts by comparing multiple age of the driver-based policies. These discounts include good student discounts, safe driver discounts, and defensive driving discounts.


Deductibles are one of the most common factors influencing the cost of auto insurance. Car owners in Cullman, AL, can get super cheap car insurance by considering this factor. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Cullman, AL, on a low deductible of $500 is $2,825, and this cost decreases to $2,386 when the deductible is $1,000.

Credit Scores:

In Cullman, AL, car owners can get super cheap car insurance by accounting for their credit scores. Auto insurance companies also provide considerable discounts to car owners with a higher positive credit score and a clean driving history. According to Zimlon’s analysis, in Cullman, AL, having an “excellent” credit score reduces insurance costs to $1,433, and with a “good” credit score, car owners spend $1,524. Whereas a “poor” score may increase the insurance cost to $2,386 in Cullman, AL.

A Comprehensive Review of Car Insurance Rates in Cullman, AL

Located in the heart of Alabama, Cullman is a city that combines its rich history with the vibrant energy of its residents. As with all cities, one of the most vital considerations for its drivers is car insurance. This article seeks to delve deep into the car insurance rates in Cullman, spotlighting the primary competitors, analyzing the nuances of quotes, rates, and agents, and evaluating the variables that shape the insurance rates in this bustling city.    

Foremost Competitors and Their Offering Rates

  • State Farm: A heavyweight in the insurance landscape, State Farm’s yearly premiums for Cullman residents generally range between $1,260 and $1,480.
  • Geico: Noted for its widespread reach, Geico's annual rates for Cullman hover from $1,230 to $1,420.
  • Progressive: Serving a vast clientele, Progressive's annual premiums in Cullman average between $1,270 and $1,490.
  • Allstate: With its diverse suite of offerings, Allstate's annual rates in Cullman oscillate between $1,300 and $1,530.

Deciphering Quotes, Rates & Agents

  • Quotes: Car insurance quotes offer a tailored snapshot of potential expenses, influenced by individualized factors such as one's driving history, the vehicle's specifics, and personal demographics.
  • Rates: Presenting a broader perspective, rates depict the average cost of car insurance in regions, offering a benchmark for Cullman residents to gauge their expenses against.
  • Agents: Operating at the intersection of insurance companies and clients, agents play a pivotal role. They simplify policy jargons, unearth potential discounts, and craft packages catering to individual preferences.

Determinants of Insurance Rates in Cullman, AL

  • Demographics: Age, gender, and marital status, among other demographic details, significantly mold premiums. For instance, younger drivers often encounter higher rates due to perceived inexperience.
  • Driving Pedigree: A pristine record can usher in attractive discounts. In contrast, records punctuated with violations can amplify premiums.
  • Vehicle Nuances: Details of the vehicle, from its make and model to safety features, play a pivotal role in determining rates.
  • City-Centric Metrics: Elements unique to Cullman, such as prevailing traffic conditions, local crime rates, and road quality, bear weight on the insurance premiums.
  • Depth of Coverage: The breadth of the coverage—basic versus comprehensive—directly impacts the premium's size.
  • Deductible Decisions: A loftier deductible usually correlates with lower annual premiums. However, this means higher out-of-pocket expenses during claims.
  • Discount Avenues: Whether it's a multi-policy discount, a good student reduction, or a safe driver bonus, these can substantially reduce premium costs.

For Cullman's residents, navigating the car insurance realm necessitates an understanding of the offerings by major providers and the expertise provided by local agents. By staying informed and actively seeking and contrasting quotes, the citizens of Cullman can adeptly chart their course in the insurance domain, ensuring they're optimally shielded on the roads.

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

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

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

Cullman South Vinemont Welti Logan Cullman County Good Hope
Average Insurance Rates $1,463 $1,440 $1,437 $1,477 $1,449 $1,416

Cullman, 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 Cullman, 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)
Cullman $2,825 $2,386
Cullman County $1,441 $1,217
Good Hope $1,312 $1,108
East Point $1,217 $1,028
South Vinemont $1,249 $1,055
Logan $2,038 $1,722
Welti $1,046 $884
Dodge City $1,721 $1,454

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

Teenagers in Cullman, 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 $4,747
20 Years $1,880
30 Years $1,448
40 Years $1,393
50 Years $1,290
60 Years $1,308
70 Years $1,523

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

Car owners in Cullman, 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 $2,575 $351
3 Vehicles $3,862 $527
4 Vehicles $5,150 $702

Savings on 2 Vehicles bundle:$351

Savings on 3 Vehicles bundle:$527

Savings on 4 Vehicles bundle:$702

Cullman, 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 Cullman, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Cullman $1,463 $2,594
Cullman County $1,449 $2,569
Good Hope $1,416 $2,511
East Point $1,391 $2,466
South Vinemont $1,440 $2,553
Logan $1,477 $2,619
Welti $1,437 $2,548
Dodge City $1,449 $2,569

Cullman, 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) $1,255
Excellent (740-799) $1,433
Good (670-739) $1,524
Average (580-669) $1,989
Poor (300-579) $2,386

Cullman, 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 +$64 $1,527
Driver's Failure In Showing Documents +$142 $1,605
Driving With An Expired Registration +$151 $1,614
Driving At A Considerably Slow Pace +$317 $1,780
Using A Cellphone While Driving +$335 $1,798
Running A Red Light +$341 $1,804
Speeding +$358 $1,821
Driving A Vehicle Without The Required Permission +$455 $1,918
Driving With An Expired/Suspended License +$986 $2,449

Cullman, 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 $1,404
Active Disabling Device $1,404
Tracking Device $1,375
Passive Disabling Device $1,361