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

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.

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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 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 Farm
I 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 Farm
My car insurance company has terrible customer service. They are rude and usually try to upsell you on other things they sell.