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

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

Zimlon, through its research, found that car owners in Etowah 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 Etowah 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.


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

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

Etowah County Attalla Reece City Ridgeville Ivalee Gadsden
Average Insurance Rates $1,430 $1,400 $1,448 $1,387 $1,484 $1,431

Etowah 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 Etowah 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)
Etowah County $2,068 $1,747
Reece City $1,286 $1,087
Ridgeville $1,501 $1,268
Gadsden $2,766 $2,336
Tidmore Bend $1,689 $1,427
Ivalee $1,723 $1,456
Attalla $1,931 $1,631
Carlisle-Rockledge $1,481 $1,251

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

Teenagers in Etowah 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 $4,640
20 Years $1,837
30 Years $1,415
40 Years $1,362
50 Years $1,261
60 Years $1,279
70 Years $1,488

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

Car owners in Etowah 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 $2,517 $343
3 Vehicles $3,775 $515
4 Vehicles $5,034 $686

Savings on 2 Vehicles bundle:$343

Savings on 3 Vehicles bundle:$515

Savings on 4 Vehicles bundle:$686


Etowah 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 Etowah County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Etowah County $1,430 $2,535
Reece City $1,448 $2,567
Ridgeville $1,387 $2,459
Gadsden $1,431 $2,537
Tidmore Bend $1,423 $2,523
Ivalee $1,484 $2,631
Attalla $1,400 $2,482
Carlisle-Rockledge $1,412 $2,504

Etowah 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) $1,227
Excellent (740-799) $1,401
Good (670-739) $1,490
Average (580-669) $1,944
Poor (300-579) $2,332

Etowah 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
Billy Kemp Allstate 1197 Highway 77, Southside, 35907 (256) 442-6566
Paul Harris State Farm 915 W Meighan Blvd, Gadsden, 35901-3327 256-547-5754
Phillip Fikes Farmers 105 Locust St Ste 1c, Gadsden, 35901 (256) 546-2100
Todd Davis State Farm 736 Walnut St, Gadsden, 35901-4139 256-546-3343
Jeffery Bellew Allstate 1906 Rainbow Dr, Gadsden, 35901 (256) 547-4211
American Insurance Services Travelers 2901 B RAINBOW DR, RAINBOW CITY, 35906 256-490-9877
Bradley Hamner State Farm 11310 Memorial Pkwy SW Ste C, Huntsville, 35803-2477 256-489-1818
Zachary Wilson Farmers 1100 E Park Dr Ste 205, Birmingham, 35235 (205) 518-0536
Scott Mayo Farmers 1907 Rainbow Dr Ste B, Gadsden, 35901 (256) 438-5118
Hayes-Rasbury Insurance Agency Inc Nationwide 5290 Old Springville Rd STE B, Pinson, 35126 (205) 874-6546

Etowah 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 $1,493
Driver's Failure In Showing Documents +$139 $1,569
Driving With An Expired Registration +$147 $1,577
Driving At A Considerably Slow Pace +$310 $1,740
Using A Cellphone While Driving +$327 $1,757
Running A Red Light +$333 $1,763
Speeding +$350 $1,780
Driving A Vehicle Without The Required Permission +$445 $1,875
Driving With An Expired/Suspended License +$964 $2,394

Etowah 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 $1,373
Active Disabling Device $1,373
Tracking Device $1,344
Passive Disabling Device $1,330