Phenix City Auto Insurance Rates, Quotes, Agents & Reviews in AL

Phenix City, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Phenix City, 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 Phenix City, AL

The average cost of car insurance in Phenix City, AL is $1444 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 Phenix City, AL can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Phenix City 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 Phenix City this difference is  $1595 and $1348 respectively.

Auto Insurance Cost in Auburn Based on deductibles in nearby cities 

auto_insurance_rates_in_phenix_city_al

Multi Car Insurance Rates

Phenix City 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 Phenix 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 Phenix City, insurance companies provide $404 and $606 off on 2 vehicle bundle and 3 vehicles bundle respectively. One can save $809 on auto insurance by bundling 4 vehicles in Phenix City.

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 Phenix City car owners with a good credit score with 800 or more pay only upto $1239 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2355.

Based on age of the car owner 

Teenagers and young residents of Hoover  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 in Phenix City is $4686  while 30-50 year olds can expect to find cheaper rates at less than $1429-$1273 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 Phenix City, 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.


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

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

Phenix City Ladonia Russell County Columbus Muscogee County Columbus West
Average Insurance Rates $1,444 $1,407 $1,441 $1,591 $1,629 $1,576

Phenix City, 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 Phenix City, 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)
Phenix City $1,595 $1,348
Columbus West $1,439 $1,215
Ladonia $2,027 $1,712
Columbus East $1,615 $1,364
Crawford $932 $787
Russell County $2,784 $2,352
Columbus $1,657 $1,400
Muscogee County $1,639 $1,384

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

Teenagers in Phenix City, 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 $4,686
20 Years $1,855
30 Years $1,429
40 Years $1,375
50 Years $1,273
60 Years $1,291
70 Years $1,503

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

Car owners in Phenix City, 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 $2,484 $404
3 Vehicles $3,726 $606
4 Vehicles $4,967 $809

Savings on 2 Vehicles bundle:$404

Savings on 3 Vehicles bundle:$606

Savings on 4 Vehicles bundle:$809


Phenix City, 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 Phenix City, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Phenix City $1,444 $2,560
Columbus West $1,576 $2,881
Ladonia $1,407 $2,495
Columbus East $1,596 $2,918
Crawford $1,472 $2,610
Russell County $1,441 $2,555
Columbus $1,591 $2,909
Muscogee County $1,629 $2,978

Phenix City, 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) $1,239
Excellent (740-799) $1,414
Good (670-739) $1,505
Average (580-669) $1,963
Poor (300-579) $2,355

Phenix City, 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
Ken Currie State Farm 702 14th St, Phenix City, 36867-5047 334-298-2511
Janice Henderson State Farm 2310 Crawford Road, Phenix City, 36867-3612 334-297-2337
Carol Perdue State Farm 2310 Crawford Rd Ste 104, Phenix City, 36867-3612 334-298-2300
Dexter Walden Allstate 1901 Stadium Dr Ste C, Phenix City, 36867 (334) 297-1777
Dexter Walden Allstate 1901 Stadium Dr Ste C, Phenix City, 36867 (334) 297-1777

Phenix City, 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 $1,508
Driver's Failure In Showing Documents +$140 $1,584
Driving With An Expired Registration +$149 $1,593
Driving At A Considerably Slow Pace +$313 $1,757
Using A Cellphone While Driving +$331 $1,775
Running A Red Light +$336 $1,780
Speeding +$354 $1,798
Driving A Vehicle Without The Required Permission +$449 $1,893
Driving With An Expired/Suspended License +$973 $2,417

Phenix City, 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 $1,386
Active Disabling Device $1,386
Tracking Device $1,357
Passive Disabling Device $1,343

Latest Auto Insurance Reviews in Phenix City, AL | Back to Top

State Farm
I feel like i have a standard deductible for my auto insurance but I feel like the premium is definitely alot cheaper compared to other insurance companies! I also feel like the coverage is great for the price.
Safeco Insurance
The policy offering for Safeco auto insurance is typical as I checked a few other companies for quotes before deciding on Safeco. There was also a discount offered for bundling home and auto insurance.
State Farm
I have mostly had fine customer service. This last time we got a new car though we had to call a couple times because they kept adding or changing things we didn't authorize.