Daphne, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Daphne, 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.
Low-end car insurance premiums in Daphne, Alabama, start at $409
“Car insurance in Daphne varies immensely based on which provider you’re buying from, your social backdrop and your driving record.” - an insurance holder reported to a Zimlon survey conducted in Daphne, Alabama.
In a comparison of car insurance prices by major providers in Daphne, AL, Zimlon shows that the cheapest prices are offered to 62-year-old married male drivers with 2012 Ford F-250 super duty crew cabs. Allstate Property and Casualty quotes $409 for this cohort of drivers. In addition, Allstate offers the second-cheapest price at $635 to 30-year-old married men driving a 2012 Ford F-250 super duty crew cabs. For this study, Zimlon sourced raw data from the Alabama Department of Insurance.
While purchasing auto insurance, customers are generally asked to choose their coverage limit, deductible value, and medical payment limit. This survey uses the following coverage limit and deductible values as reference points: bodily injury per accident is $50,000, property damage is $25,000, and bodily injury per person is $25,000. The collision deductible is $500 and the medical payment limit is $1,000.
Low-end premiums are insufficient to provide a comprehensive overview of profitable trends. Zimlon calculated the difference between the median and cheapest prices for each driver category to estimate their potential savings. This difference is the highest ($1,509) for 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs. By contrast, United Services Automobile Association offers the cheapest price for this cohort at $1,362. State Farm Mutual Automobile Insurance offers them the median price of $2,871. The second highest savings is observed for the same category of drivers who drive the 2010 Toyota Camry LE four-door sedans. United Services Automobile Association offers the cheapest premium for this category at $1,184. The median price is offered by Access Insurance Company at $2,551.
Among the seven driver cohorts analyzed, Allstate offers the cheapest premium to four, whereas Amia Mutual Insurance offers the most expensive premium for all seven cohorts.
The following graph compares the premium rates charged by key companies in Daphne, Alabama.
The following table lists car insurance premiums offered by key companies in Daphne, AL, along with the company names. In addition, it evaluates the differences between the median and the cheapest or most expensive rates.
| Cohort | Cheapest car insurance companies in Daphne, AL | Second cheapest car insurance companies in Daphne, AL | Car insurance companies offering median premiums in Daphne, AL | Second most expensive car insurance companies in Daphne, AL | Most expensive car insurance companies in Daphne, AL | Difference between cheapest and median prices | Difference in price from most expensive to median prices |
|---|---|---|---|---|---|---|---|
| 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows | United Services Automobile Association ($1,362) | USAA Casualty Insurance Company ($1,500) | State Farm Mutual Automobile Ins. Company ($2,871) | Integon Indemnity Corporation ($5,035) | Amica Mutual Ins. Company ($9,630) | $1,509 | $6,759 |
| 18-year-old single women driving 2010 Toyota Camry LE four-door sedans | United Services Automobile Association ($1,184) | USAA Casualty Insurance Company ($1,313) | Access Insurance Company ($2,551) | Infinity Select Insurance Company ($5,432) | Amica Mutual Ins. Company ($9,236) | $1,367 | $6,685 |
| 25-year-old single men driving 2010 Chevy Silverao 1500 extended cabs with two windows | Allstate Property and Casualty Insurance Company ($656) | Standard Fire ($693) | Country Mutual ($1,278) | Victoria Select Insurance Co. ($1,721) | Amica Mutual Ins. Company ($3,018) | $622 | $1,740 |
| 30-year-old married men driving 2012 Ford F-250 super duty crew cabs | Allstate Property and Casualty Insurance Company ($635) | Encompass Indemnity Company ($704) | Progressive Direct Insurance Company ($1,139) | Infinity Auto Insurance Company ($2,771) | Amica Mutual Ins. Company ($5,665) | $504 | $4,526 |
| 25-year-old single women driving 2010 Toyota Camry LE four-door sedans | Allstate Property and Casualty Insurance Company ($745) | Farmers Insurance Exchange ($822) | Nationwide Mutual Fire Ins. Company ($1,211) | Guideone Elite Insurance Company ($1,715) | Amica Mutual Ins. Company ($3,432) | $466 | $2,221 |
| 48-year-old single men driving 2012 Chevy Tahoe LS cars | Progressive Direct Insurance Company ($742) | Auto Owners Ins. Company ($760) | State Farm Mutual Automobile Ins. Company ($1,088) | Victoria Fire & Casualty Co. ($1,933) | Amica Mutual Ins. Company ($4,664) | $346 | $3,576 |
| 62-year-old married men driving 2012 Ford F-250 super duty crew cabs | Allstate Property and Casualty Insurance Company ($409) | Integon National Insurance Company ($461) | State Farm Fire & Casualty Company ($747) | Infinity Safeguard Insurance Company ($2,032) | Amica Mutual Ins Company ($3,509) | $338 | $2,762 |
Factors that can influence the cost of car insurance in Daphne, 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.
- Daphne, AL Auto Insurance Rates
- Daphne, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Daphne, AL
- Multi Vehicle Insurance Savings in Daphne, AL
- How Credit Score Affects Car Insurance Rates in Daphne, AL
- How DUI Affects Auto Insurance Premiums in Daphne, AL
- Top Auto Insurance Agents Near Daphne, AL
- How Driving Violations Affect Auto Insurance Rates in Daphne, AL
- Daphne, AL Auto Insurance Discounts on Anti Theft Feature
- Daphne, AL Auto Insurance Company Reviews
Daphne, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Daphne, AL with that of other cities in and around Daphne.
| Daphne | Point Clear | Silverhill | Chickasaw | Fairhope | Baldwin County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,330 | $1,633 | $1,492 | $1,402 | $1,563 | $1,515 |
Daphne, 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 Daphne, 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) |
|---|---|---|
| Daphne | $1,696 | $1,433 |
| Spanish Fort | $1,719 | $1,452 |
| Baldwin County | $1,223 | $1,033 |
| Loxley | $1,066 | $900 |
| Point Clear | $1,564 | $1,321 |
| Chickasaw | $1,404 | $1,186 |
| Silverhill | $1,446 | $1,221 |
| Fairhope | $1,330 | $1,123 |
Daphne, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Daphne, 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 | $4,316 |
| 20 Years | $1,709 |
| 30 Years | $1,316 |
| 40 Years | $1,266 |
| 50 Years | $1,173 |
| 60 Years | $1,189 |
| 70 Years | $1,384 |
Daphne, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Daphne, 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 | $2,288 | $372 |
| 3 Vehicles | $3,431 | $559 |
| 4 Vehicles | $4,575 | $745 |
Savings on 2 Vehicles bundle:$372
Savings on 3 Vehicles bundle:$559
Savings on 4 Vehicles bundle:$745
Daphne, 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 Daphne, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Daphne | $1,330 | $2,358 |
| Spanish Fort | $1,601 | $2,839 |
| Baldwin County | $1,515 | $2,686 |
| Loxley | $1,479 | $2,622 |
| Point Clear | $1,633 | $2,895 |
| Chickasaw | $1,402 | $2,486 |
| Silverhill | $1,492 | $2,645 |
| Fairhope | $1,563 | $2,771 |
Daphne, 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) | $1,141 |
| Excellent (740-799) | $1,303 |
| Good (670-739) | $1,386 |
| Average (580-669) | $1,808 |
| Poor (300-579) | $2,169 |
Daphne, 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 |
|---|---|---|---|
| The Myrick Agency | None | 860 Edwards Ave., Fairhope, 36532 | None |
| Thomas Harrison & Associates | Liberty Mutual Independent | 26436 Kensington Place 26436 Kensington Place, Daphne, 36526 | None |
| The Paul Carter Agency | Travelers | 5809 Grelot Rd, Mobile, 36609 | None |
| Craig Caldwell | Farmers | 28080 Us Highway 98 Ste C, Daphne, 36526 | (251) 626-1085 |
| Brian Casey | State Farm | 2502 Schillinger Rd S, Mobile, 36695 | 251-634-4499 |
| Willis Personal Lines Llc | Travelers | 11 NORTH WATER ST 19TH FLR STE 19290, MOBILE, 36602 | 251-433-0441 |
| Neill Bonding & Insurance Services | None | Po Box 925, Fairhope, 36532 | None |
| Scott Soulant | Allstate | 504 N Section St, Fairhope, 36532 | (251) 990-9553 |
| Betty Purvis | Allstate | 23690 US Hwy 98, Montrose, 36559 | (251) 928-3229 |
Daphne, 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 | +$59 | $1,389 |
| Driver's Failure In Showing Documents | +$129 | $1,459 |
| Driving With An Expired Registration | +$137 | $1,467 |
| Driving At A Considerably Slow Pace | +$289 | $1,619 |
| Using A Cellphone While Driving | +$305 | $1,635 |
| Running A Red Light | +$310 | $1,640 |
| Speeding | +$326 | $1,656 |
| Driving A Vehicle Without The Required Permission | +$414 | $1,744 |
| Driving With An Expired/Suspended License | +$896 | $2,226 |
Daphne, 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 | $1,277 |
| Active Disabling Device | $1,277 |
| Tracking Device | $1,250 |
| Passive Disabling Device | $1,237 |
Latest Auto Insurance Reviews in Daphne, AL | Back to Top
State FarmMy experience with State Farm Insurance has been great. My agent is very nice, and respectful to me even in bad times.
Progressivethe policies they offer are pretty much the same as other companies. Full coverage with them is comparable with full coverage with other car insurance companies I've dealt with.
ProgressiveProgressives company;s customer service has responded quickly to any claims I have made.
Encompass InsuranceMy insurance has pretty good offerings and the price is decent. I am satisfied with our current policy at this time
Cincinnati InsuranceThey are accessible when I need them. I've never had a problem getting a hold of someone when I needed them.