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

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

Zimlon, through its research, found that car owners in Elba, 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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Affordable Car Insurance in Elba, AL

Elba is a great place to live, work and play. But, like anywhere else, it's important to have car insurance. That's because car insurance provides financial protection in the event of an accident. If you cause an accident, car insurance can help pay for the other driver's medical bills, car repairs and other costs. If you're involved in an accident that's not your fault, car insurance can help pay for your medical bills and car repairs. And, if your car is stolen or damaged by a natural disaster, car insurance can help pay to replace it.

The average cost of auto insurance in Elba, AL, is $1,221. The driver's age, marital status, gender, credit history, claims history, DUI records, and many other factors are considered when calculating auto insurance prices in Elba, Alabama. Depending on the features of auto insurance companies, it could be challenging to sort through all the details and criteria. Zimlon has researched all the factors that can impact the cost of auto insurance in Elba, Alabama, to simplify things. Take into account the following elements to reduce your rate and get cheap auto insurance in Elba, Alabama.

Credit History

Your credit history is one of the most important factors in determining car insurance rates. In Elba, AL, insurers use your credit score to help them determine how likely you are to file a claim. If you have a high credit score, you're considered a low-risk customer, and you'll likely get a lower insurance rate. However, if you have a low credit score, you're considered a high-risk customer and will likely pay a higher insurance rate. In Elba, Alabama, drivers with excellent (740-799) credit scores pay $1,391 for auto insurance, while those with poor (300-579) credit must pay $2,316 for the same coverage.

Age of the Driver

The younger the driver, the higher the rates will be. This is because younger drivers are considered to be a higher risk on the road. They are more likely to get into accidents and make mistakes that can lead to accidents. As a result, insurance companies charge higher rates to cover the costs of these accidents. For example, teenagers pay $4,608 on auto insurance in Elba, AL, whereas old drivers aged 40 pay $1,352. 

Driving Habits

Your driving record is one of the essential factors in determining your car insurance rates in Elba, AL. If you have a clean driving record, you will likely pay less for your insurance than someone with a history of accidents or traffic violations. Insurance companies use your driving record to assess your risk of filing a claim; the higher your risk, the higher your rates will be. For instance, in Elba, Alabama, drivers whose licenses have expired or who run red lights will see an increase in their auto insurance rates of +$957 and +$331, respectively. Driving carefully is, therefore, crucial if you want to find affordable auto insurance in Elba, Alabama.

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

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

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

Elba Kinston Enterprise Coffee County New Brockton Victoria
Average Insurance Rates $1,420 $1,416 $1,379 $1,477 $1,413 $1,429

Elba, 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 Elba, 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)
Elba $2,441 $2,062
Coffee County $2,853 $2,410
New Brockton $1,261 $1,065
Jack $1,235 $1,043
Kinston $1,458 $1,232
Goodman $1,418 $1,198
Enterprise $1,113 $940
Victoria $1,480 $1,250

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

Teenagers in Elba, 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 $4,608
20 Years $1,825
30 Years $1,405
40 Years $1,352
50 Years $1,252
60 Years $1,270
70 Years $1,478

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

Car owners in Elba, 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 $2,414 $426
3 Vehicles $3,621 $639
4 Vehicles $4,828 $852

Savings on 2 Vehicles bundle:$426

Savings on 3 Vehicles bundle:$639

Savings on 4 Vehicles bundle:$852

Elba, 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 Elba, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Elba $1,420 $2,518
Coffee County $1,477 $2,619
New Brockton $1,413 $2,505
Jack $1,417 $2,512
Kinston $1,416 $2,511
Goodman $1,420 $2,518
Enterprise $1,379 $2,445
Victoria $1,429 $2,534

Elba, 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) $1,218
Excellent (740-799) $1,391
Good (670-739) $1,480
Average (580-669) $1,930
Poor (300-579) $2,316

Elba, 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
Gary Maddox Allstate 510 N Main St, Opp, 36467 (334) 493-4477
Boswell Insurance Agency Allstate 707 Simmons St, Elba, 36323 (334) 897-5523
Sanbuck Inc Travelers 212 EAST LEE STREET, ENTERPRISE, 36330 334-347-1977
Boswell Ins Agcy None 707 W Simmons St, Elba, 36323 None
Whittaker-Warren Insurance Agency None 103 Dixie Dr, Enterprise, 36330 None
Southeast Agency Allstate 9461 S Main St, Brantley, 36009 (334) 527-8900
Ron Nall State Farm 112 Hillcrest Drive, Andalusia, 36420-2562 334-881-0606

Elba, 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 +$62 $1,482
Driver's Failure In Showing Documents +$138 $1,558
Driving With An Expired Registration +$146 $1,566
Driving At A Considerably Slow Pace +$308 $1,728
Using A Cellphone While Driving +$325 $1,745
Running A Red Light +$331 $1,751
Speeding +$348 $1,768
Driving A Vehicle Without The Required Permission +$442 $1,862
Driving With An Expired/Suspended License +$957 $2,377

Elba, 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 $1,363
Active Disabling Device $1,363
Tracking Device $1,335
Passive Disabling Device $1,321