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

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

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


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

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

Lawrence County Hatton Town Creek Moulton Courtland North Courtland
Average Insurance Rates $1,423 $1,420 $1,401 $1,442 $1,407 $1,384

Lawrence 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 Lawrence 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)
Lawrence County $1,570 $1,326
Hatton $1,567 $1,323
Moulton $1,593 $1,346
Morris Chapel $1,314 $1,110
Courtland $1,305 $1,102
North Courtland $1,056 $892
Town Creek $1,251 $1,057
Town Creek-Courtland $1,436 $1,213

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

Teenagers in Lawrence 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 $4,617
20 Years $1,828
30 Years $1,408
40 Years $1,355
50 Years $1,255
60 Years $1,272
70 Years $1,481

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

Car owners in Lawrence 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 $2,504 $342
3 Vehicles $3,757 $512
4 Vehicles $5,009 $683

Savings on 2 Vehicles bundle:$342

Savings on 3 Vehicles bundle:$512

Savings on 4 Vehicles bundle:$683


Lawrence 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 Lawrence County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Lawrence County $1,423 $2,523
Hatton $1,420 $2,518
Moulton $1,442 $2,557
Morris Chapel $1,418 $2,514
Courtland $1,407 $2,495
North Courtland $1,384 $2,454
Town Creek $1,401 $2,484
Town Creek-Courtland $1,408 $2,496

Lawrence 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) $1,221
Excellent (740-799) $1,394
Good (670-739) $1,483
Average (580-669) $1,935
Poor (300-579) $2,321

Lawrence 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
The Burch Agency None 22975 Al Hwy 24 Suite B 22975 Al Hwy 24 Suite B , Moulton, 35650 None
Jerry Carroll State Farm 654 Lawrence St, Moulton, 35650-1533 256-974-9223
Stovall Marks Insurance Inc Liberty Mutual Independent 2601 DANVILLE RD SW, DECATUR, 35603 256-355-7951
Peck-Glasgow - Moulton None 11227 Alabama Hiway 157, Moulton, 35650 None
Steve Pierce State Farm 3001 Cloverdale Rd, Florence, 35633-1477 256-764-2285
Ea-Kerbys Ins Agency Llc Travelers 12495 ALABAMA HWY 157, MOULTON, 35650 256-905-0016
Sam Newton Insurance Agency Travelers 11342 Highway 101, Lexington, 35648 (256) 667-4001

Lawrence 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 +$63 $1,486
Driver's Failure In Showing Documents +$138 $1,561
Driving With An Expired Registration +$147 $1,570
Driving At A Considerably Slow Pace +$309 $1,732
Using A Cellphone While Driving +$326 $1,749
Running A Red Light +$332 $1,755
Speeding +$349 $1,772
Driving A Vehicle Without The Required Permission +$443 $1,866
Driving With An Expired/Suspended License +$959 $2,382

Lawrence 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 $1,366
Active Disabling Device $1,366
Tracking Device $1,338
Passive Disabling Device $1,323