Cheap Car Insurance Rates And Quotes In Hoover, AL

The city of Hoover, Alabama is located in north-central Alabama, about ten miles outside of Birmingham. Per city crash data, over 3,200 car accidents occurred in Hoover in 2019 alone, with 479 people injured as a result of these accidents. Car insurance in Hoover costs more than the state average due, in part to these statistics.

Hoover is also densely populated with 1,929.4 people per square mile, which also contributes to the price of auto insurance. But how much can drivers in this city expect to pay? Keep reading to find out! However, if you’re looking to get an immediate quote from a top car insurance company, then use our table below.

Each city in Hoover has different rates and you can compare costs with the national average below:

Best Car Insurance Companies In Hoover

Insurance companies will generally use the same factors to determine prices, but they often weigh them differently. Some may also offer different discounts, so prices can vary widely.

According to our analysis, Direct Auto has the best cheap car insurance rates in Hoover, offering car insurance for $662.

Here are some of the best car insurance companies in Hoover and their average prices.

Cheapest Car Insurance Companies in Hoover by Zip Codes

Insurance companies have such sophisticated rating mechanisms that they are able to develop prices down to zip codes within a city. This is important because some areas are riskier to insure than others. By breaking down prices by zip code, customers in a lower-priced neighborhood aren’t charged higher rates just for living in the same city.

Here is the breakdown of common zip codes within Hoover and their average prices.

Car Insurance Rates by Vehicle in Hoover

The price you pay for car insurance is heavily influenced by the car you are insuring. Factors such as repair costs, a car’s value, and prior claims for similar makes and models will all impact the price of car insurance. Here are some average prices for various makes and models in Hoover.

Car Insurance Rates by age in Hoover

Car insurance prices will also inevitably vary by the age of the primary driver. In general, the younger you are, the less experience you have on the road. Insurance companies will charge these drivers more money because the risk of getting into an accident is higher.

Over time, the price will typically level out as the driver ages until they hit 70 years old. This is because a person’s cognitive and physical abilities start to decrease as they get older, which can impact driving. Per the U.S. Department of Transportation’s Fatality Analysis Reporting System, fatal car crashes begin to increase for drivers between ages 70-74 and are the highest for drivers 85 and older.

In Hoover, this is no exception. Rates for car insurance are highest among the 16-19-year-old age group, who can expect to pay around $299 in Hoover.. Drivers in their 60s experience the lowest rates, averaging around $108, until the rates increase again at age 70+.

How Much is Car Insurance for Other Cities in Alabama?

Drivers in Hoover can expect to pay $132 for car insurance. While drivers in Huntsville will typically pay $109 on average.

Here are some examples of insurance rates in various cities in Alabama.

Car Insurance Rates by Driving Violation in Hoover

Alabama drivers who get into accidents or are convicted of driving violations can expect to pay more for their car insurance. Car insurers will base your premium on your past driving history, which includes any prior accidents or violations. The more you have on your record, the more your premium will be. Here are some common driving infractions and their impact on your car insurance premium.

Car Insurance Rates by Credit History in Hoover

Statistically, drivers with lower credit scores tend to be riskier to insure. As such, their premiums will be higher than those with better credit. Here are the average prices for Hoover drivers by credit score.

What Factors Determine Your Insurance Rate in Hoover?

There are many factors that go into determining the price of your car insurance. Some of these factors are related to your location, others are related to your vehicle and the remainder are related to you as an insured and driver. The specific factors for each category are described below.

Your Location

The state you live in, and the primary garaging location of your vehicles are two important factors that affect the price of your policy. There are a few reasons for this. First, where you live and subsequently where your car is registered will determine the coverage required.

Each state has its own regulations regarding minimum liability limits and which coverages are mandatory or optional. Some states may require additional coverages or higher limits than others, which will affect the price of the policy.

In addition, insurance companies will always try to match the price of a policy to the level of risk involved in insuring that piece of business. For example, if you live in an area that has a high crime rate, the cost to insure your car in that area will be higher because the risk of theft or vandalism to that car may be higher. Similarly, if you live in a safer, low crime rate area, your car insurance premium may be lower because the risk of those losses occurring aren’t as high.

Your Vehicle

The car you insure is also going to play a large part in what you pay for car insurance. Some of the specifics related to your car that affect the price are as follows:

• The Year, Make and Model – Some cars are more expensive to insure than others. This can be because of their safety rating, cost to repair, or propensity to loss, such as the likelihood of being stolen.
• Annual Mileage – How frequently your car is being driven is also a rating factor for many insurance companies. Drivers who are on the road more frequently have more opportunities to get into accidents, leading to an increased cost for their insurance.
• Coverage Level – The coverages you choose will impact the price of your policy. For example, if you select comprehensive and collision coverage on your vehicle, you will pay more than someone who just has state minimum liability.
• Ownership Status – While the ownership itself doesn’t impact your premium, the type of ownership will influence the type of coverage you choose, which will affect what you pay. Vehicles that are leased or financed often require the addition of comprehensive and collision coverage. Some leasing companies will also require higher liability limits than the minimum the state requires.
• Anti-Theft Devices – Your vehicle’s vehicle identification number (VIN) will usually indicate any anti-theft devices that are installed in your car. These devices, such as active or passive alarms, will decrease the price of insurance on your vehicle. If you install an anti-theft device after purchase, be sure to notify your insurer for a potential additional discount.

You

Insurance companies will also assess the risk of each driver to determine the price they charge. Each driver’s motor vehicle report and prior claims report are pulled at the start of a policy to ensure it is priced properly. The more violations or claims you have as a driver, the riskier you are to insure, which means the price will be higher.

Insurers will also use individual driver data such as marital status, gender, age, years of driving experience, and prior insurance information to determine your premium. This is because statistically, certain demographics are more prone to causing accidents.

For example, a study by InsuranceQuotes.com found that a 20 year old single male will pay 49% more for car insurance than a 25 year old, single male.

In addition, a credit based insurance score is often pulled on the owner of the policy. Insurers have found that in general, the lower your credit score is, the more likely you are to file claims. While not every state allows credit to be used in pricing, Alabama does.

Car Insurance Discounts in Hoover

Whether you live in Hoover, Alabama or in another state altogether, everyone is looking for ways to save on their car insurance. The best way to save is by taking advantage of the various discounts that companies may offer. Here are some of the most common discounts you may want to ask your insurance company about:

• Multi-Policy Discount – This discount is often referred to as “bundling.” For insuring both your auto and home with the same company, insurers will offer a 1% to 12% discount. This discount is one of the most significant ways to save on your auto policy.
• Loyalty Discount – Insurance companies will occasionally reward customers who have remained insured with them for a set amount of time. This loyalty discount can be up to 10%.
• Driver’s Education Discount – Newly licensed drivers can see a discount of between 5% and 10% if they have completed a driver’s education course. This is a great way to save money on your teenage driver!
• Good Student – Student drivers who maintain a B or better average can receive a 5% to 20% discount on their insurance. A copy of their report card is usually all that is needed to obtain this discount.
• Claims Free Discount – For not filing claims with your insurer, you can receive a discount of between 5%-8%.
• Good Driver Discount – If you have a clean driving record with no violations or prior accidents, insurers will typically offer a discount of 10% to 30%.
• Telematics Discount – Insurance companies may offer a telematics discount for drivers who opt into their usage-based program. By installing a device in your car or an app on your smartphone, insurers get information regarding your driving habits and provide discounts accordingly. Drivers can expect discounts between 1%-30%.

What Are the Minimum Car Insurance Requirements in Hoover?

Most states have minimum insurance requirements that drivers must meet to register a vehicle. In Alabama, drivers are required to carry at least $25,000 per person, up to $50,000 per accident for bodily injury to others, and $25,000 for property damage. Failure to maintain these limits may result in fees or suspension of your car’s registration.

Although not mandatory, there are additional coverages that customers can choose to add onto their car insurance policies. Coverages such as medical payments, comprehensive collision, rental reimbursement, or towing coverage will cost additional premiums but provide broader protection.