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

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

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


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

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

Madison County Hazel Green Redstone Arsenal Huntsville Gurley Moores Mill
Average Insurance Rates $1,166 $1,454 $1,953 $1,328 $1,622 $1,490

Madison 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 Madison 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)
Madison County $1,030 $870
Huntsville $2,041 $1,724
Moores Mill $1,473 $1,244
Meridianville $1,261 $1,065
Gurley $1,207 $1,020
Redstone Arsenal $2,012 $1,699
New Market $2,553 $2,157
Hazel Green $1,498 $1,265

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

Teenagers in Madison 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 $3,783
20 Years $1,498
30 Years $1,154
40 Years $1,110
50 Years $1,028
60 Years $1,042
70 Years $1,213

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

Car owners in Madison 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 $1,982 $350
3 Vehicles $2,973 $525
4 Vehicles $3,964 $700

Savings on 2 Vehicles bundle:$350

Savings on 3 Vehicles bundle:$525

Savings on 4 Vehicles bundle:$700


Madison 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 Madison County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Madison County $1,166 $2,067
Huntsville $1,328 $2,355
Moores Mill $1,490 $2,642
Meridianville $1,502 $2,663
Gurley $1,622 $2,876
Redstone Arsenal $1,953 $3,463
New Market $1,494 $2,649
Hazel Green $1,454 $2,578

Madison 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) $1,000
Excellent (740-799) $1,142
Good (670-739) $1,215
Average (580-669) $1,585
Poor (300-579) $1,902

Madison 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
Candi Williams State Farm 1047 Jeff Rd NW Ste 5, Huntsville, 35806-4232 256-382-7884
Natalie Cain State Farm 470 Prvdce Main St NW Ste 101, Huntsville, 35806-4841 256-533-7755
Bo Cochran Allstate 61 Town Center Dr NW Unit A, Huntsville, 35806 (256) 895-4545
Chase Henderson Allstate 6138 Highway 431 S, Brownsboro, 35741 (256) 539-6611
Sonny Batchelor State Farm 2804 Meml Pkwy SW, Huntsville, 35801-5632 256-533-7757
Jon Peters Insurance Agency Inc Nationwide 203 Oakwood Ave NE Ste B, Huntsville, 35811-1965 (256) 288-0230
Chris Miller Agency Travelers 3315 MEMORIAL PKWY SW BUILDING 400 STE 5, HUNTSVILLE, 35801 256-885-1884
Mark Roller State Farm 410 Jordan Ln NW, Huntsville, 35805-2624 256-533-4730
Tyree Pettis State Farm 11220 S Memorial Pkwy Ste S, Huntsville, 35803-2184 256-883-4200
Schrader-Broughton Inc Travelers 250 Governors Dr Ste F, Huntsville, 35801 None

Madison 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 +$51 $1,217
Driver's Failure In Showing Documents +$113 $1,279
Driving With An Expired Registration +$120 $1,286
Driving At A Considerably Slow Pace +$253 $1,419
Using A Cellphone While Driving +$267 $1,433
Running A Red Light +$272 $1,438
Speeding +$286 $1,452
Driving A Vehicle Without The Required Permission +$363 $1,529
Driving With An Expired/Suspended License +$786 $1,952

Madison 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 $1,119
Active Disabling Device $1,119
Tracking Device $1,096
Passive Disabling Device $1,084