Oak Grove Auto Insurance Rates, Quotes, Agents & Reviews in AL

Oak Grove, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oak Grove, 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 Oak Grove, 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.


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

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

Oak Grove Sylacauga Fayetteville Bon Air Mignon Stewartville
Average Insurance Rates $1,402 $1,419 $1,408 $1,390 $1,356 $1,365

Oak Grove, 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 Oak Grove, 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)
Oak Grove $1,544 $1,304
Sylacauga $2,744 $2,318
Mignon $1,853 $1,565
Bon Air $1,335 $1,128
Childersburg $1,621 $1,369
Fayetteville $1,229 $1,038
Stewartville $1,863 $1,574
Talladega Springs $2,182 $1,843

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

Teenagers in Oak Grove, 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 $4,549
20 Years $1,801
30 Years $1,388
40 Years $1,335
50 Years $1,236
60 Years $1,253
70 Years $1,459

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

Car owners in Oak Grove, 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 $2,439 $365
3 Vehicles $3,659 $547
4 Vehicles $4,879 $729

Savings on 2 Vehicles bundle:$365

Savings on 3 Vehicles bundle:$547

Savings on 4 Vehicles bundle:$729


Oak Grove, 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 Oak Grove, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Oak Grove $1,402 $2,486
Sylacauga $1,419 $2,516
Mignon $1,356 $2,404
Bon Air $1,390 $2,464
Childersburg $1,411 $2,502
Fayetteville $1,408 $2,496
Stewartville $1,365 $2,420
Talladega Springs $1,466 $2,599

Oak Grove, 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) $1,203
Excellent (740-799) $1,373
Good (670-739) $1,461
Average (580-669) $1,906
Poor (300-579) $2,287

Oak Grove, 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
Ron Carroll State Farm 33594 Us Highway 280, Childersburg, 35044-3012 256-378-6631
Randy L Smith Allstate 524 N Broadway Ave, Sylacauga, 35150 (256) 245-4336
Breck Price Allstate 470 Riverhills Business Park, Birmingham, 35242 (205) 991-5106
Ronald Woods Allstate 2100 Data Park Ste 208, Hoover, 35244 (205) 988-5566
Insurance Place Travelers 33385 HIGHWAY 280 S, CHILDERSBURG, 35044 256-378-7326
Shane Peacock & Assoc Inc Travelers 524 DECATUR HWY STE 110, GARDENDALE, 35071 205-631-2023
Lori Zucco Ins Llc Travelers 107 COLUMBIANA RD, HOMEWOOD, 35209 205-942-4448
Marsh Usa-Birmingham Travelers 1500 URBAN CENTER DR STE 550, BIRMINGHAM, 35242 205-262-2300

Oak Grove, 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 $1,464
Driver's Failure In Showing Documents +$136 $1,538
Driving With An Expired Registration +$144 $1,546
Driving At A Considerably Slow Pace +$304 $1,706
Using A Cellphone While Driving +$321 $1,723
Running A Red Light +$327 $1,729
Speeding +$343 $1,745
Driving A Vehicle Without The Required Permission +$436 $1,838
Driving With An Expired/Suspended License +$945 $2,347

Oak Grove, 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 $1,346
Active Disabling Device $1,346
Tracking Device $1,318
Passive Disabling Device $1,304