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

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

Zimlon, through its research, found that car owners in Lauderdale 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 Lauderdale 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.


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

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

Lauderdale County Cloverdale Oakland St. Florian Florence Killen
Average Insurance Rates $1,454 $1,441 $1,465 $1,506 $1,350 $1,483

Lauderdale 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 Lauderdale 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)
Lauderdale County $1,445 $1,221
Florence $1,522 $1,286
St. Florian $1,332 $1,125
Underwood-Petersville $1,172 $990
Cloverdale $1,281 $1,082
Killen $1,691 $1,429
Iron City $1,413 $1,194
Oakland $1,713 $1,447

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

Teenagers in Lauderdale 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 $4,718
20 Years $1,868
30 Years $1,439
40 Years $1,384
50 Years $1,282
60 Years $1,300
70 Years $1,513

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

Car owners in Lauderdale 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 $2,472 $436
3 Vehicles $3,708 $654
4 Vehicles $4,944 $872

Savings on 2 Vehicles bundle:$436

Savings on 3 Vehicles bundle:$654

Savings on 4 Vehicles bundle:$872


Lauderdale 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 Lauderdale County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Lauderdale County $1,454 $2,578
Florence $1,350 $2,394
St. Florian $1,506 $2,670
Underwood-Petersville $1,432 $2,539
Cloverdale $1,441 $2,555
Killen $1,483 $2,629
Iron City $1,336 $2,393
Oakland $1,465 $2,597

Lauderdale 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) $1,424
Good (670-739) $1,515
Average (580-669) $1,977
Poor (300-579) $2,372

Lauderdale 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
Parke Cochran State Farm 883 Cox Creek Pkwy, Florence, 35630-1003 256-767-4790
Christian Hetrick Allstate 4039 Florence Blvd, Florence, 35634 (256) 712-0155
Benson Insurance Agency Inc Travelers 1224 HELTON DR, FLORENCE, 35630 256-712-5593
Justin James Allstate 2811 W Mall Dr, Florence, 35630 (256) 712-4800
Jesse Dee Wisdom Allstate 2101 Florence Blvd Ste A, Florence, 35630 (256) 718-3554
Hicks & Associates Inc Liberty Mutual Independent 2401 Helton Dr Ste B, Florence, 35630 (256) 712-3284
Myron Gardner State Farm 1819 Darby Dr, Florence, 35630-2622 256-764-2234
M J Carter & Company Inc Travelers 125 S Court St, Florence, 35630 (256) 712-3282
Richardson-Deemer Insurance Agency, Inc. None 107 West Washington St, Athens, 35611 None

Lauderdale 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 $1,518
Driver's Failure In Showing Documents +$141 $1,595
Driving With An Expired Registration +$150 $1,604
Driving At A Considerably Slow Pace +$316 $1,770
Using A Cellphone While Driving +$333 $1,787
Running A Red Light +$339 $1,793
Speeding +$356 $1,810
Driving A Vehicle Without The Required Permission +$452 $1,906
Driving With An Expired/Suspended License +$980 $2,434

Lauderdale 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 $1,396
Active Disabling Device $1,396
Tracking Device $1,367
Passive Disabling Device $1,352