Hoover, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hoover, 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.
Save Up To $644 on Multi-Car Insurance in Hoover, AL
The average cost of auto insurance in Hoover, AL, is $1,342. Car owners in Hoover can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Hoover.
Discounts for Students:
Teenagers in Hoover pay $4,355 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Anti-Theft Discounts:
Car insurers across Alabama offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Hoover.
Multi-Car Insurance:
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Hoover is $2,362, while the cost of insuring four vehicles under this policy is $4,724. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Factors that can influence the cost of car insurance in Hoover, 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.
- Hoover, AL Auto Insurance Rates
- Hoover, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hoover, AL
- Multi Vehicle Insurance Savings in Hoover, AL
- How Credit Score Affects Car Insurance Rates in Hoover, AL
- How DUI Affects Auto Insurance Premiums in Hoover, AL
- Top Auto Insurance Agents Near Hoover, AL
- How Driving Violations Affect Auto Insurance Rates in Hoover, AL
- Hoover, AL Auto Insurance Discounts on Anti Theft Feature
- Hoover, AL Auto Insurance Company Reviews
Hoover, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hoover, AL with that of other cities in and around Hoover.
| Hoover | Meadowbrook | Pelham | Indian Springs Village | Helena | Alabaster-Helena | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,342 | $1,627 | $1,508 | $1,685 | $1,521 | $1,535 |
Hoover, 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 Hoover, 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) |
|---|---|---|
| Hoover | $1,861 | $1,572 |
| Indian Springs Village | $1,546 | $1,306 |
| Pelham | $1,424 | $1,203 |
| Homewood | $1,182 | $999 |
| Meadowbrook | $1,636 | $1,382 |
| Vestavia Hills | $1,263 | $1,067 |
| Alabaster-Helena | $1,237 | $1,045 |
| Helena | $1,567 | $1,323 |
Hoover, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hoover, 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 | $4,355 |
| 20 Years | $1,724 |
| 30 Years | $1,328 |
| 40 Years | $1,278 |
| 50 Years | $1,183 |
| 60 Years | $1,200 |
| 70 Years | $1,397 |
Hoover, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hoover, 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 | $2,362 | $322 |
| 3 Vehicles | $3,543 | $483 |
| 4 Vehicles | $4,724 | $644 |
Savings on 2 Vehicles bundle:$322
Savings on 3 Vehicles bundle:$483
Savings on 4 Vehicles bundle:$644
Hoover, 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 Hoover, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hoover | $1,342 | $2,379 |
| Indian Springs Village | $1,685 | $2,988 |
| Pelham | $1,508 | $2,674 |
| Homewood | $1,667 | $2,956 |
| Meadowbrook | $1,627 | $2,885 |
| Vestavia Hills | $1,448 | $2,567 |
| Alabaster-Helena | $1,535 | $2,722 |
| Helena | $1,521 | $2,697 |
Hoover, 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) | $1,151 |
| Excellent (740-799) | $1,314 |
| Good (670-739) | $1,398 |
| Average (580-669) | $1,824 |
| Poor (300-579) | $2,189 |
Hoover, 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 |
|---|---|---|---|
| Casey Halsey | State Farm | 507 Brookwood Blvd, Homewood, 35209-6801 | 205-445-0445 |
| Greenhalgh Insurance Agency | Travelers | 3144 CAHABA HEIGHTS RD, BIRMINGHAM, 35243 | 205-967-8800 |
| Alabama Insurance Center Llc | Travelers | 2402 VALLEYDALE RD, BIRMINGHAM, 35244 | 205-991-0555 |
| Byron Eaton | Allstate | 3979 Parkwood Rd Ste 105, Bessemer, 35022 | (205) 565-0313 |
| T K Smith | State Farm | 1500 Southlake Park Ste 100, Hoover, 35244-3369 | 205-987-9099 |
| All Choice Insurance Group | Travelers | 2064 COLUMBIANA RD, BIRMINGHAM, 35216 | 205-994-2200 |
| Chad Watts | Allstate | 2534 Rocky Ridge Rd, Vestavia, 35243 | (205) 823-9869 |
| Emanuel Madonia | Farmers | 2080 Valleydale Rd Ste 15, Hoover, 35244 | (205) 987-5442 |
| Ken Taylor | State Farm | 160 Inverness Corners, Birmingham, 35242-3760 | 205-980-8889 |
Hoover, 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 | $1,401 |
| Driver's Failure In Showing Documents | +$130 | $1,472 |
| Driving With An Expired Registration | +$138 | $1,480 |
| Driving At A Considerably Slow Pace | +$291 | $1,633 |
| Using A Cellphone While Driving | +$307 | $1,649 |
| Running A Red Light | +$313 | $1,655 |
| Speeding | +$329 | $1,671 |
| Driving A Vehicle Without The Required Permission | +$417 | $1,759 |
| Driving With An Expired/Suspended License | +$905 | $2,247 |
Hoover, 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 | $1,288 |
| Active Disabling Device | $1,288 |
| Tracking Device | $1,261 |
| Passive Disabling Device | $1,248 |
Latest Auto Insurance Reviews in Hoover, AL | Back to Top
State FarmI recommend State Farm because they give you local agents that you can go in and talk to as well as 24 hour customer service availability. They are affordable but offer good coverage.
State FarmMy car insurance company has terrible customer service. They are rude and usually try to upsell you on other things they sell.