Houston County Auto Insurance Rates, Quotes, Agents & Reviews in AL

Houston County, AL Auto Insurance Rates, Quotes, Agents & Reviews

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


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

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

Houston County Ashford Cottonwood Webb Avon Rehobeth
Average Insurance Rates $1,455 $1,456 $1,412 $1,415 $1,430 $1,467

Houston County, 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 Houston County, 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)
Houston County $1,505 $1,271
Avon $1,243 $1,050
Cowarts $1,932 $1,632
Ashford $2,813 $2,376
Cottonwood $1,315 $1,111
Dothan $1,265 $1,068
Webb $1,335 $1,128
Rehobeth $935 $790

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

Teenagers in Houston County, 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 $4,721
20 Years $1,870
30 Years $1,440
40 Years $1,385
50 Years $1,283
60 Years $1,301
70 Years $1,514

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

Car owners in Houston County, 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 $2,503 $407
3 Vehicles $3,754 $611
4 Vehicles $5,005 $815

Savings on 2 Vehicles bundle:$407

Savings on 3 Vehicles bundle:$611

Savings on 4 Vehicles bundle:$815


Houston County, 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 Houston County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Houston County $1,455 $2,580
Avon $1,430 $2,535
Cowarts $1,423 $2,523
Ashford $1,456 $2,582
Cottonwood $1,412 $2,504
Dothan $1,359 $2,410
Webb $1,415 $2,509
Rehobeth $1,467 $2,601

Houston County, 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) $1,248
Excellent (740-799) $1,425
Good (670-739) $1,516
Average (580-669) $1,978
Poor (300-579) $2,373

Houston County, 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
Gene Mcgriff State Farm 2948 Ross Clark Cir, Dothan, 36301-1161 334-793-7618
Salter Insurance Agency Travelers 304 CHURCH ST, ASHFORD, 36312 334-899-6600
Amy Walker Farmers 3260 W Main St, Dothan, 36305 (334) 699-3513
Rod Grimmer State Farm 3124 W Main St Ste 2, Dothan, 36305-1181 334-793-6241
Drew Phillips Allstate 130 Honeysuckle Rd, Dothan, 36305 (334) 792-7676
Interstate Motor Carriers/Capacity Agency Llc None 1515 Oak Drive, Dothan, 36303 None
Jason Ketchum State Farm 3246 Mtgy Hwy Ste 101, Dothan, 36303-2102 334-792-2189
Velma Tribue State Farm 2385 S Oates St, Dothan, 36301-5085 334-793-8222
Roni Holley State Farm 2643 Montgomery Hwy, Dothan, 36303-2643 334-793-6666
Slingluff Insurance Agency Inc Travelers 568 S Oates St, Dothan, 36301 None
Robert Cannon Allstate 1560 Hartford Hwy, Dothan, 36301 (334) 792-0030

Houston County, 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 +$64 $1,519
Driver's Failure In Showing Documents +$141 $1,596
Driving With An Expired Registration +$150 $1,605
Driving At A Considerably Slow Pace +$316 $1,771
Using A Cellphone While Driving +$333 $1,788
Running A Red Light +$339 $1,794
Speeding +$356 $1,811
Driving A Vehicle Without The Required Permission +$453 $1,908
Driving With An Expired/Suspended License +$981 $2,436

Houston County, 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 $1,397
Active Disabling Device $1,397
Tracking Device $1,368
Passive Disabling Device $1,353