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

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

Zimlon, through its research, found that car owners in Hillsboro, 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 that can influence the cost of car insurance in Hillsboro, 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.


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

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

Hillsboro Decatur Town Creek-Courtland Courtland Trinity North Courtland
Average Insurance Rates $1,430 $1,385 $1,408 $1,407 $1,488 $1,384

Hillsboro, 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 Hillsboro, 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)
Hillsboro $2,762 $2,333
North Courtland $1,056 $892
Trinity $2,874 $2,427
Courtland $1,305 $1,102
Morris Chapel $1,314 $1,110
Town Creek-Courtland $1,436 $1,213
Decatur $1,443 $1,219
Lawrence County $1,570 $1,326

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

Teenagers in Hillsboro, 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 $4,640
20 Years $1,837
30 Years $1,415
40 Years $1,362
50 Years $1,261
60 Years $1,279
70 Years $1,488

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

Car owners in Hillsboro, 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 $2,431 $429
3 Vehicles $3,647 $644
4 Vehicles $4,862 $858

Savings on 2 Vehicles bundle:$429

Savings on 3 Vehicles bundle:$644

Savings on 4 Vehicles bundle:$858


Hillsboro, 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 Hillsboro, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Hillsboro $1,430 $2,535
North Courtland $1,384 $2,454
Trinity $1,488 $2,638
Courtland $1,407 $2,495
Morris Chapel $1,418 $2,514
Town Creek-Courtland $1,408 $2,496
Decatur $1,385 $2,456
Lawrence County $1,423 $2,523

Hillsboro, 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) $1,227
Excellent (740-799) $1,401
Good (670-739) $1,490
Average (580-669) $1,944
Poor (300-579) $2,332

Hillsboro, 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
Judy Larson State Farm 2046 Beltline Rd SW Ste 2, Decatur, 35601-5549 256-350-7333
Curtis J Wofford Allstate 1319 6th Ave SE, Decatur, 35601 (256) 353-4734
Brad Tank Allstate 1785 Hwy 72 E Ste C, Athens, 35611 (256) 771-7540
The Burch Agency None 22975 Al Hwy 24 Suite B 22975 Al Hwy 24 Suite B , Moulton, 35650 None
[ K e, r, y '
Peck-Glasgow Agency Inc Travelers 11227 ALABAMA HIGHWAY 157, MOULTON, 35650 256-974-4000
Burch Agency Allstate 22975 Albama Hwy 24, Moulton, 35650 (256) 974-1110
Alabama Ins Agency Inc Travelers 709 6TH AVE SE STE A, DECATUR, 35601 256-260-2397

Hillsboro, 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 $1,493
Driver's Failure In Showing Documents +$139 $1,569
Driving With An Expired Registration +$147 $1,577
Driving At A Considerably Slow Pace +$310 $1,740
Using A Cellphone While Driving +$327 $1,757
Running A Red Light +$333 $1,763
Speeding +$350 $1,780
Driving A Vehicle Without The Required Permission +$445 $1,875
Driving With An Expired/Suspended License +$964 $2,394

Hillsboro, 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 $1,373
Active Disabling Device $1,373
Tracking Device $1,344
Passive Disabling Device $1,330