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

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

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

Factors Influencing the Cost of Auto Insurance in Gadsden, AL

The average cost of auto insurance in Gadsden, AL, is $1,431. It is higher than the cost of auto insurance in neighboring places such as Attalla and Etowah County. It is lower than the average cost of auto insurance in Rainbow City, Southside, and Reece City. Several factors can affect the cost of auto insurance in Gadsden. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.


Some of the factors that could increase the cost of auto insurance are as follows.


This is one of the most common factors influencing the cost of auto insurance in Gadsden, AL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $2,766, and it decreases to $2,336 when the deductible is $1,000.

Age Group:

The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Gadsden. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $4,643.

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Gadsden, AL, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. 

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.


DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Gadsden can be as high as $2,537. 

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

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

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

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

Gadsden Attalla Rainbow City Southside Reece City Etowah County
Average Insurance Rates $1,431 $1,400 $1,480 $1,490 $1,448 $1,430

Gadsden, 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 Gadsden, 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)
Gadsden $2,766 $2,336
Attalla $1,931 $1,631
Rainbow City $1,101 $930
Etowah County $2,068 $1,747
Ridgeville $1,501 $1,268
Southside $1,127 $952
Ivalee $1,723 $1,456
Reece City $1,286 $1,087

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

Teenagers in Gadsden, 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 $4,643
20 Years $1,839
30 Years $1,416
40 Years $1,363
50 Years $1,262
60 Years $1,279
70 Years $1,489

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

Car owners in Gadsden, 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 $2,490 $372
3 Vehicles $3,735 $558
4 Vehicles $4,980 $744

Savings on 2 Vehicles bundle:$372

Savings on 3 Vehicles bundle:$558

Savings on 4 Vehicles bundle:$744

Gadsden, 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 Gadsden, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Gadsden $1,431 $2,537
Attalla $1,400 $2,482
Rainbow City $1,480 $2,624
Etowah County $1,430 $2,535
Ridgeville $1,387 $2,459
Southside $1,490 $2,642
Ivalee $1,484 $2,631
Reece City $1,448 $2,567

Gadsden, 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) $1,228
Excellent (740-799) $1,401
Good (670-739) $1,491
Average (580-669) $1,945
Poor (300-579) $2,334

Gadsden, 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
Phillip Fikes Farmers 105 Locust St Ste 1c, Gadsden, 35901 (256) 546-2100
Scott Blackstone Allstate 215 N 3rd St, Gadsden, 35901 (256) 543-8950
Rick Hester State Farm 210 Bay St, Gadsden, 35901-5231 256-547-0533
Todd Davis State Farm 736 Walnut St, Gadsden, 35901-4139 256-546-3343
Shannon & Banks Inc Liberty Mutual Independent 200 Chestnut St, GADSDEN, 35901 (256) 543-1424
Jeffery Bellew Allstate 1906 Rainbow Dr, Gadsden, 35901 (256) 547-4211
Frank Amos Nationwide 118 Church St Ste 4, Rainbow City, 35906-6265 (256) 442-4754
Kerry Wilson Ins Agcy None 108 S 5Th St, Gadsden, 35901 None
Sheri Smith Farmers 8321 1st Ave N, Birmingham, 35206 (205) 838-1660
Greg Silvester State Farm 4628 Montevallo Rd Ste 102, Irondale, 35210-3100 205-502-7416

Gadsden, 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 $1,494
Driver's Failure In Showing Documents +$139 $1,570
Driving With An Expired Registration +$147 $1,578
Driving At A Considerably Slow Pace +$311 $1,742
Using A Cellphone While Driving +$328 $1,759
Running A Red Light +$333 $1,764
Speeding +$351 $1,782
Driving A Vehicle Without The Required Permission +$445 $1,876
Driving With An Expired/Suspended License +$964 $2,395

Gadsden, 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 $1,374
Active Disabling Device $1,374
Tracking Device $1,345
Passive Disabling Device $1,331

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

State Farm
I feel like State Farm gives me the coverage I need with my plan, and I appreciate that it offers a lot of options to tailor plans specifically to the customer's needs.
Allstate is friendly, quick to respond and compassionate. When I had my accident a few months ago they helped ease my concerns immediatly and didn't jack up my rates. I'd recommend to anyone
State Farm
Our premium is about one thousand two hundred dollars, which is a bit expensive but we deal. Our decidable is five hundred dollars so that's not so bad.
I would recommend alstate because they are easy to work with and offer fast claim resolutions. They also also good discounts on multi policies.
I have made a few claims with esurance in the past; they are always easy to talk to and address my concerns in a timely manner.