Elmore County Auto Insurance Rates, Quotes, Agents & Reviews in AL

Elmore County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Elmore County, 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 Elmore County, 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.


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

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

Elmore County Redland Eclectic Titus Holtville Emerald Mountain
Average Insurance Rates $1,439 $1,574 $1,483 $1,494 $1,498 $1,557

Elmore County, 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 Elmore County, 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)
Elmore County $1,279 $1,081
Wetumpka $949 $801
Blue Ridge $1,391 $1,175
Redland $2,303 $1,945
Titus $2,883 $2,435
Eclectic $2,536 $2,142
Emerald Mountain $2,224 $1,878
Holtville $1,480 $1,250

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

Teenagers in Elmore County, 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 $4,669
20 Years $1,849
30 Years $1,424
40 Years $1,370
50 Years $1,269
60 Years $1,287
70 Years $1,498

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

Car owners in Elmore County, 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 $2,475 $403
3 Vehicles $3,713 $604
4 Vehicles $4,950 $806

Savings on 2 Vehicles bundle:$403

Savings on 3 Vehicles bundle:$604

Savings on 4 Vehicles bundle:$806


Elmore County, 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 Elmore County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Elmore County $1,439 $2,551
Wetumpka $1,505 $2,668
Blue Ridge $1,603 $2,842
Redland $1,574 $2,791
Titus $1,494 $2,649
Eclectic $1,483 $2,629
Emerald Mountain $1,557 $2,761
Holtville $1,498 $2,656

Elmore County, 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) $1,235
Excellent (740-799) $1,409
Good (670-739) $1,499
Average (580-669) $1,956
Poor (300-579) $2,347

Elmore County, 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
Keyesta Sherman State Farm 125 Cambridge Ct, Wetumpka, 36093-1260 334-478-3864
Charles Smith State Farm 2135 Taylor Rd, Montgomery, 36117-3422 334-244-0408
Harmon Dennis Bradshaw Inc Liberty Mutual Independent 7115 HALCYON SUMMIT DR, MONTGOMERY, 36117 334-273-7277
Risk Management Associates Llc Travelers 38 SETH JOHNSON DR, WETUMPKA, 36093 334-652-4461
Dwayne Farrior Farmers 8125 Decker Ln Ste 7h, Montgomery, 36117 (334) 239-4400
Jon Falkner Farmers 22708b Highway 25, Columbiana, 35051 (205) 669-1599
Rux Carter Insurance Agency Travelers 107 MAIN ST N, COLUMBIANA, 35051 205-669-3158

Elmore County, 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 +$63 $1,502
Driver's Failure In Showing Documents +$140 $1,579
Driving With An Expired Registration +$148 $1,587
Driving At A Considerably Slow Pace +$312 $1,751
Using A Cellphone While Driving +$330 $1,769
Running A Red Light +$335 $1,774
Speeding +$353 $1,792
Driving A Vehicle Without The Required Permission +$448 $1,887
Driving With An Expired/Suspended License +$970 $2,409

Elmore County, 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 $1,381
Active Disabling Device $1,381
Tracking Device $1,353
Passive Disabling Device $1,338