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

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

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

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

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

Florala Horn Hill Lockhart Libertyville Covington County Laurel Hill
Average Insurance Rates $1,398 $1,406 $1,369 $1,901 $1,420 $2,108

Florala, 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 Florala, 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)
Florala $1,297 $1,095
Lockhart $1,315 $1,111
Paxton $1,238 $1,046
Laurel Hill $2,815 $2,378
Onycha $1,329 $1,122
Horn Hill $1,458 $1,232
Covington County $2,746 $2,319
Libertyville $1,958 $1,654

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

Teenagers in Florala, 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 $4,536
20 Years $1,796
30 Years $1,384
40 Years $1,331
50 Years $1,233
60 Years $1,250
70 Years $1,455

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

Car owners in Florala, 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 $2,433 $363
3 Vehicles $3,649 $545
4 Vehicles $4,865 $727

Savings on 2 Vehicles bundle:$363

Savings on 3 Vehicles bundle:$545

Savings on 4 Vehicles bundle:$727

Florala, 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 Florala, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Florala $1,398 $2,479
Lockhart $1,369 $2,427
Paxton $2,069 $3,238
Laurel Hill $2,108 $3,299
Onycha $1,384 $2,454
Horn Hill $1,406 $2,493
Covington County $1,420 $2,518
Libertyville $1,901 $3,371

Florala, 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) $1,199
Excellent (740-799) $1,369
Good (670-739) $1,457
Average (580-669) $1,901
Poor (300-579) $2,280

Florala, 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
Sharyn Smith State Farm 1805 E Three Notch St Ste 4, Andalusia, 36421-2403 334-222-1005
David Brooks Allstate 1831 E Three Notch St, Andalusia, 36421 (334) 767-3324
Christopher Jackson Allstate 408 River Falls St, Andalusia, 36420 (334) 222-8553
Gary Maddox Allstate 510 N Main St, Opp, 36467 (334) 493-4477
Howell Insurance Agency None 800 W Cummings Ave, Opp, 36467 None
Al Snellgrove State Farm 1384 S Forest Ave, Luverne, 36049-7311 334-335-3431
Tim Bryan State Farm 300 E Three Notch St, Andalusia, 36420-3125 334-222-1460
Thi Insurance Inc Travelers 1251 SOUTH BLVD, BREWTON, 36426 251-867-8085
Watts Ins Agency Allstate 27 S Forest Ave, Luverne, 36049 (334) 335-5210

Florala, 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 $1,460
Driver's Failure In Showing Documents +$136 $1,534
Driving With An Expired Registration +$144 $1,542
Driving At A Considerably Slow Pace +$303 $1,701
Using A Cellphone While Driving +$320 $1,718
Running A Red Light +$326 $1,724
Speeding +$343 $1,741
Driving A Vehicle Without The Required Permission +$435 $1,833
Driving With An Expired/Suspended License +$942 $2,340

Florala, 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 $1,342
Active Disabling Device $1,342
Tracking Device $1,314
Passive Disabling Device $1,300