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

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

Zimlon, through its research, found that car owners in Florence, 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!

In Florence, AL, car insurance rates differ widely among the top 4 companies

Zimlon’s recent analysis of car insurance prices in Florence, Alabama, revealed that the top four companies by market-share are State Farm Fire & Casualty, Allstate Property and Casualty Insurance, Alfa Mutual Insurance Company, and Progress Special Insurance. Further, the cheapest premiums in the city are paid by 25-year-old single men driving 2010 Chevy Silverado 1500 extended cabs, whereas 18-year-old single women driving 2010 Toyota Camry LE four-door sedans pay the most expensive premiums. The data for this analysis was sourced from the Alabama Department of Insurance.

The following parameters were used to filter the data: bodily injury per person, bodily injury per accident, and property damage limits were set at $25,000, $50,000, and $25,000 respectively. Collision deductible was chosen as $500, and the medical payment limit was $1,000.

The following table lists the median premiums for 7 driver segments and difference between the median premium and those charged by companies with the highest market share in Alabama. Red boxes show values by which the premiums exceed the median. Green boxes show values by which the premiums cost less than the median. Yellow boxes indicate prices that are equal to the median.

Cohort Median State Farm Fire & Casualty Company Allstate Property And Casualty Insurance Company Alfa Mutual Insurance Company Progressive Specialty Insurance Company
25-year-old single men driving 2010 Chevy Silverado 1500 extended cabs with two windows $1,297 $249 $641 $416 $7
25-year-old single women driving 2010 Toyota Camry LE four-door sedans $1,440 $0 $695 $583 $169
48-year-old single men driving 2012 Chevy Tahoe LS cars $1,839 $706 $975 $1,036 $1,132
30-year-old married men driving 2012 Ford F-250 super duty crew cabs $1,752 $708 $1,116 $843 $598
18-year-old single women driving 2010 Toyota Camry LE four-door sedans $2,261 $533 $651 $724 $30
18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows $2,696 $831 $1,191 $783 $181
62-year-old married men driving 2012 Ford F-250 super duty crew cabs $516 $227 $104 $163 $17

For 18-year-old single women driving 2010 Chevy Silverado 1500, State Farm offers the most expensive premium at $831 more than the median. The company’s cheapest premium is for 30-year-old married men driving 2012 Ford F-250 super duty crew cab, at $708 less than the median.

Allstate offers cheaper-than-median premiums for all seven driver cohorts. The cheapest is for 18-year-old single women with Chevy Silverado cabs, at $1,191 less than the median. The most expensive is for 62-year-old married men with Ford F-250 super duty cabs.

For the same category of drivers, Alfa Mutual offers expensive premiums, priced at $163 more than the median. This company offers cheaper-than-median premiums for all other driver categories. The cheapest is for 48-year-old single men driving 2012 Chevy Tahoe LS cars, at $1,036 less than the median.

Progressive offers cheaper-than-median prices for all but two driver categories. Their most expensive price, at $30 more than the median, is for 18-year-old single women with Toyota Camry. The cheapest is for 48-year-old single men with 2012 Chevy Tahoe LS, at $1,132.

The following chart compares the car insurance premiums charged by these four companies in Florence, Alabama.

No-image

“I am extremely satisfied at what my policy offers”, said one of the insurance consumers in the survey. It is difficult to obtain a satisfactory insurance policy in the state, but if one does it requires careful and comparative assessment of policies offered by other top providers there.

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


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

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

Florence Cloverdale Underwood-Petersville Lauderdale County Iron City Sheffield
Average Insurance Rates $1,350 $1,441 $1,432 $1,454 $1,336 $1,411

Florence, 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 Florence, 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)
Florence $1,522 $1,286
Lauderdale County $1,445 $1,221
St. Florian $1,332 $1,125
Underwood-Petersville $1,172 $990
Killen $1,691 $1,429
Cloverdale $1,281 $1,082
Sheffield $2,120 $1,790
Iron City $1,413 $1,194

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

Teenagers in Florence, 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 $4,381
20 Years $1,735
30 Years $1,336
40 Years $1,285
50 Years $1,190
60 Years $1,207
70 Years $1,405

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

Car owners in Florence, 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 $2,295 $405
3 Vehicles $3,443 $608
4 Vehicles $4,590 $810

Savings on 2 Vehicles bundle:$405

Savings on 3 Vehicles bundle:$608

Savings on 4 Vehicles bundle:$810


Florence, 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 Florence, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Florence $1,350 $2,394
Lauderdale County $1,454 $2,578
St. Florian $1,506 $2,670
Underwood-Petersville $1,432 $2,539
Killen $1,483 $2,629
Cloverdale $1,441 $2,555
Sheffield $1,411 $2,502
Iron City $1,336 $2,393

Florence, 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) $1,158
Excellent (740-799) $1,322
Good (670-739) $1,407
Average (580-669) $1,835
Poor (300-579) $2,202

Florence, 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
Britt Blanton State Farm 365 Highway 72 Ste 2, Killen, 35645-2841 256-757-1169
Michael Bange Allstate 3246 Florence Blvd, Florence, 35634 (256) 776-7123
Jim Prince State Farm 2701 Mall Rd Ste 2, Florence, 35630-2886 256-764-3611
Frank Dean State Farm 2001 Florence Blvd, Florence, 35630-2731 256-764-6861
Al Ford Insurance Agency, Inc. None 328 E Tennessee St, Florence, 35630 None
Sherrell Insurance Agency Inc None 406 Palisade Dr, Florence, 35630 None
Associated Insurors Liberty Mutual Independent 121 Yorkshire Circle, Florence, 35630 None
Tennessee Valley Associates Llc Travelers 1312 N WOOD AVE, FLORENCE, 35630 256-766-2222
Martin & Hubbs Inc Liberty Mutual Independent 102 W MARKET ST, ATHENS, 35611 256-232-0505

Florence, 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 $1,409
Driver's Failure In Showing Documents +$131 $1,481
Driving With An Expired Registration +$139 $1,489
Driving At A Considerably Slow Pace +$293 $1,643
Using A Cellphone While Driving +$309 $1,659
Running A Red Light +$315 $1,665
Speeding +$331 $1,681
Driving A Vehicle Without The Required Permission +$420 $1,770
Driving With An Expired/Suspended License +$910 $2,260

Florence, 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 $1,296
Active Disabling Device $1,296
Tracking Device $1,269
Passive Disabling Device $1,256

Latest Auto Insurance Reviews in Florence, AL | Back to Top

Allstate
My premium and deductible are affordable to me compared to the previous car insurance company i was using. The discounts for bundling save me the most money and keep my deductibles low.
Nationwide
Bundled with my homeowner's insurance. My local agent's customer service is very good. Always responds quickly to my questions and answers any concerns I have. I would highly recommend.