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

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.

Compare Quotes from Top Providers and Save now!

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 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 Farm
My experience with State Farm Insurance has been great. My agent is very nice, and respectful to me even in bad times.
Progressive
the 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.
Progressive
Progressives company;s customer service has responded quickly to any claims I have made.
Encompass Insurance
My insurance has pretty good offerings and the price is decent. I am satisfied with our current policy at this time
Cincinnati Insurance
They are accessible when I need them. I've never had a problem getting a hold of someone when I needed them.