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.
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.
Deductibles:
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.
DUI:
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 Rates
- Gadsden, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Gadsden, AL
- Multi Vehicle Insurance Savings in Gadsden, AL
- How Credit Score Affects Car Insurance Rates in Gadsden, AL
- How DUI Affects Auto Insurance Premiums in Gadsden, AL
- Top Auto Insurance Agents Near Gadsden, AL
- How Driving Violations Affect Auto Insurance Rates in Gadsden, AL
- Gadsden, AL Auto Insurance Discounts on Anti Theft Feature
- Gadsden, AL Auto Insurance Company Reviews
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 FarmI 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.
AllstateAllstate 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 FarmOur 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.
AllstateI would recommend alstate because they are easy to work with and offer fast claim resolutions. They also also good discounts on multi policies.
EsuranceI 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.