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

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

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


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

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

Franklin County Phil Campbell Vina Russellville Hackleburg Hodges
Average Insurance Rates $1,411 $1,390 $1,397 $1,422 $1,406 $1,392

Franklin 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 Franklin 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)
Franklin County $1,436 $1,213
Belgreen $1,309 $1,106
Russellville $1,633 $1,379
Spruce Pine $2,151 $1,817
Hodges $1,506 $1,272
Vina $1,400 $1,182
Phil Campbell $1,217 $1,028
Hackleburg $1,256 $1,061

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

Teenagers in Franklin 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 $4,578
20 Years $1,813
30 Years $1,396
40 Years $1,344
50 Years $1,244
60 Years $1,262
70 Years $1,468

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

Car owners in Franklin 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 $2,483 $339
3 Vehicles $3,725 $508
4 Vehicles $4,967 $677

Savings on 2 Vehicles bundle:$339

Savings on 3 Vehicles bundle:$508

Savings on 4 Vehicles bundle:$677


Franklin 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 Franklin County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Franklin County $1,411 $2,502
Belgreen $1,271 $2,254
Russellville $1,422 $2,521
Spruce Pine $2,088 $3,702
Hodges $1,392 $2,468
Vina $1,397 $2,477
Phil Campbell $1,390 $2,464
Hackleburg $1,406 $2,493

Franklin 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) $1,211
Excellent (740-799) $1,382
Good (670-739) $1,470
Average (580-669) $1,918
Poor (300-579) $2,302

Franklin 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
Diana Fisher State Farm 15480 Highway 43 Suite H, Russellville, 35653-8086 256-332-0121
Tim Trapp Farmers 13150 Highway 43 Ste 4, Russellville, 35653 (256) 331-1166
Wood-Thompson Insurance Service Llc Travelers 130 N Jackson, Russellville, 35653 None
Cb & S Financial Services Inc Liberty Mutual Independent 200 JACKSON AVENUE SOUTH, RUSSELLVILLE, 35653 256-332-0330
Jim Prince State Farm 2701 Mall Rd Ste 2, Florence, 35630-2886 256-764-3611
Tom Jones Insurance Travelers 106 NORTH MAIN ST, TUSCUMBIA, 35674 256-383-5451
Lanny Norris State Farm 201 Washington Ave NW, Russellville, 35653-2246 256-332-0540
Henninger Johnson & Layton Ins Agency Inc Liberty Mutual Independent 120 E 5TH ST, TUSCUMBIA, 35674 256-383-3400

Franklin 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 +$62 $1,473
Driver's Failure In Showing Documents +$137 $1,548
Driving With An Expired Registration +$145 $1,556
Driving At A Considerably Slow Pace +$306 $1,717
Using A Cellphone While Driving +$323 $1,734
Running A Red Light +$329 $1,740
Speeding +$346 $1,757
Driving A Vehicle Without The Required Permission +$439 $1,850
Driving With An Expired/Suspended License +$951 $2,362

Franklin 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 $1,355
Active Disabling Device $1,355
Tracking Device $1,326
Passive Disabling Device $1,312