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

Madison, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Madison, 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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Auto Insurance Rates in Madison, AL

The average cost of car insurance in Madison, AL is $1407 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.

The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.

Based on deductibles

To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Madison, AL can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Madison car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Madison this difference is  $1465 and $1237 respectively.

Auto Insurance Cost in Madison Based on deductibles in nearby cities

auto_insurance_rates_in_madison_al

Multi Car Insurance Rates

Madison, AL car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Madison car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Madison, insurance companies provide $422 and $633 off on 2 vehicles bundle and 3 vehicles bundle respectively. One can save $844 on auto insurance by bundling 4 vehicles in Madison.

Based on the credit score

In most of the states credit score is a major rating factor. Car owners  with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Madison car owners with a good credit score pay only $1207 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2,295.

Based on age of the car owner 

Teenagers and young residents of Madison  pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver is $4565  while 30-50 year olds can expect to find cheaper rates at less than $1392-$1241 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status. 

Factors that can influence the cost of car insurance in Madison, 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.


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

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

Madison Harvest Madison County Redstone Arsenal Triana Mooresville
Average Insurance Rates $1,407 $1,480 $1,166 $1,953 $1,557 $1,547

Madison, 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 Madison, 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)
Madison $1,465 $1,237
Triana $967 $817
Mooresville $1,357 $1,146
Redstone Arsenal $2,012 $1,699
Huntsville $2,041 $1,724
Harvest $1,466 $1,238
Madison County $1,030 $870
Limestone County $2,542 $2,147

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

Teenagers in Madison, 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 $4,565
20 Years $1,808
30 Years $1,392
40 Years $1,340
50 Years $1,241
60 Years $1,258
70 Years $1,464

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

Car owners in Madison, 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 $2,392 $422
3 Vehicles $3,588 $633
4 Vehicles $4,784 $844

Savings on 2 Vehicles bundle:$422

Savings on 3 Vehicles bundle:$633

Savings on 4 Vehicles bundle:$844


Madison, 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 Madison, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Madison $1,407 $2,495
Triana $1,557 $2,761
Mooresville $1,547 $2,743
Redstone Arsenal $1,953 $3,463
Huntsville $1,328 $2,355
Harvest $1,480 $2,624
Madison County $1,166 $2,067
Limestone County $1,476 $2,617

Madison, 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) $1,207
Excellent (740-799) $1,378
Good (670-739) $1,466
Average (580-669) $1,913
Poor (300-579) $2,295

Madison, 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
Jeff Knight Allstate 7185 Highway 72 W Ste B, Madison, 35758 (256) 722-3909
Candi Williams State Farm 1047 Jeff Rd NW Ste 5, Huntsville, 35806-4232 256-382-7884
Alex Adams Jr. Allstate 2413 Jordan Ln NW Ste B, Huntsville, 35816 (256) 722-2045
Tim Barron State Farm 151 Hughes Rd Ste A, Madison, 35758-1100 256-772-0136
Brian Wiggins State Farm 8871 Madison Blvd Ste A, Madison, 35758-1807 256-772-8407
Mark Roller State Farm 410 Jordan Ln NW, Huntsville, 35805-2624 256-533-4730
Diana Fisher State Farm 1662 Slaughter Rd, Madison, 35758-8610 256-325-7283
Carl Barton State Farm 1101 Monroe St SW, Huntsville, 35801-5030 256-551-0711
Ea-Benefit Advisory Group Inc Travelers 4717 UNIVERSITY DR STE 114, HUNTSVILLE, 35816 256-837-2755
Benefit Advisory Group, Inc. None 4717 University Dr Ste 114, Huntsville, 35816 None

Madison, 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 +$62 $1,469
Driver's Failure In Showing Documents +$136 $1,543
Driving With An Expired Registration +$145 $1,552
Driving At A Considerably Slow Pace +$305 $1,712
Using A Cellphone While Driving +$322 $1,729
Running A Red Light +$328 $1,735
Speeding +$345 $1,752
Driving A Vehicle Without The Required Permission +$438 $1,845
Driving With An Expired/Suspended License +$948 $2,355

Madison, 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 $1,351
Active Disabling Device $1,351
Tracking Device $1,323
Passive Disabling Device $1,309

Latest Auto Insurance Reviews in Madison, AL | Back to Top

State Farm
I would recommend this company because the low premium. The discount I get from them is also a big plus.
Encompass Insurance
My premium and deductible are fair costs in my opinion since I have asked many questions of the costs involved to my agent.
Travelers
Coverage is the same as other companies, as I have comparison shopped and my broker has as well. I am completely satisfied with what I get.