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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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