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

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

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


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

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

Morgan County Eva Hartselle Falkville Priceville Vinemont
Average Insurance Rates $1,456 $1,427 $1,473 $1,422 $1,513 $1,454

Morgan 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 Morgan 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)
Morgan County $1,500 $1,267
Somerville $1,470 $1,241
Hartselle $1,062 $897
Priceville $1,676 $1,415
Falkville $1,569 $1,325
Eva $1,937 $1,636
Vinemont $1,259 $1,063
Laceys Spring $997 $842

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

Teenagers in Morgan 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 $4,724
20 Years $1,871
30 Years $1,441
40 Years $1,386
50 Years $1,284
60 Years $1,302
70 Years $1,515

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

Car owners in Morgan 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 $2,533 $379
3 Vehicles $3,800 $568
4 Vehicles $5,067 $757

Savings on 2 Vehicles bundle:$379

Savings on 3 Vehicles bundle:$568

Savings on 4 Vehicles bundle:$757


Morgan 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 Morgan County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Morgan County $1,456 $2,582
Somerville $1,485 $2,633
Hartselle $1,473 $2,612
Priceville $1,513 $2,683
Falkville $1,422 $2,521
Eva $1,427 $2,530
Vinemont $1,454 $2,578
Laceys Spring $1,447 $2,566

Morgan 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) $1,249
Excellent (740-799) $1,426
Good (670-739) $1,517
Average (580-669) $1,979
Poor (300-579) $2,375

Morgan 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
Chris Humphries State Farm 1853 N Bethel Rd, Decatur, 35603-5420 256-351-4131
Bruce Payne Farmers 1794 S Bethel Rd Ste B, Decatur, 35603 (256) 274-6121
Wendy Burpee State Farm 8097 Madison Blvd Ste 104, Madison, 35758-2043 256-774-8118
Christina Smith State Farm 7262 Governors West NW Ste 103, Huntsville, 35806-2378 256-270-9898
David Perkins State Farm 11156 County Line Rd Ste D, Madison, 35756-5403 256-325-3080
Peck-Glasgow Agency Inc Travelers 1612 HIGHWAY 31 SW, HARTSELLE, 35640 256-773-2210
Akin & Associates Inc. Nationwide 468 Highway 67 South, Decatur, 35603 (256) 355-8500
Chad Hughey State Farm 1511 Highway 31 SW Ste A, Hartselle, 35640-2821 256-773-8632
Bill Burdette State Farm 1210 Highway 31 North West, Hartselle, 35640-4434 256-773-0465

Morgan 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 $1,520
Driver's Failure In Showing Documents +$141 $1,597
Driving With An Expired Registration +$150 $1,606
Driving At A Considerably Slow Pace +$316 $1,772
Using A Cellphone While Driving +$333 $1,789
Running A Red Light +$339 $1,795
Speeding +$357 $1,813
Driving A Vehicle Without The Required Permission +$453 $1,909
Driving With An Expired/Suspended License +$981 $2,437

Morgan 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 $1,398
Active Disabling Device $1,398
Tracking Device $1,369
Passive Disabling Device $1,354