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Florence, AL Cheap Auto Insurance, Find Local Agents in Alabama for Maximum Savings

102 S Pine St,
Flo, AL
(256) 764-9173
328 E Tennessee St,
Flo, AL
(256) 764-0271
801 Avalon Ave Ste 201,
Muscle Shoals, AL
(256) 712-7000

Affordable Insurer Options for 25 Y/O Driver

Lowest policy options for 25 y/o driver

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Out of all the carriers we queried the best options are with National General, Progressive, and Infinity. National General is the lowest at $1,090 per year. Which is 21% lower than the "mean" rate in Florence.

Progressive is 20% lower than the average premium with a quote at $1,100. Still very competitive.

Infinity is 19% lower than the "mean" premium with a quote at $1,122. If you are looking for the lowest premium with optimum coverage it would be smart to get quotes from all three.

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2929 Cloverdale Rd,
Flo, AL
(256) 764-0250
158 Ana Dr Ste A,
Flo, AL
(256) 764-0203
2011 Avalon Ave,
Muscle Shoals, AL
(256) 383-0678

History & Driving Laws

Florence was surveyed in 1818 by Ferdinand Sannoner, the Italian surveyor. He surveyed the land for the Cypress Land Company. Sannoner named the city after the capital of Tuscany in Italy. Florence was officially incorporated in 1826.

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The city is the hometown of several renowned personalities including W.C. Handy, Father of the Blues, and Sam Phillips, record producer who discovered the American cultural icon Elvis Presley.

Other notable attractions include, Indian Mound Museum, Pope's Tavern Museum, W.C. Handy Home, Stanley and Mildred Rosenbaum House, Funland Water Park, Joe Wheeler State Park.

Florence is home to many parks and open spaces including North Florence Park, Cox Creek Park, Wildwood Park, North Alabama State Fair Park, and McFarland Park. The Walnut Street Historic District and Sannoner Historic District are also worth visiting.

Driving Laws

Drivers in the state of Alabama will also need to contend with a recent law pertaining to vehicles and drivers without liability insurance. The state will use a state of the art insurance verification technology that will automatically check records from insurance company providers and check and see if drivers have insurance.

Anytime a police officer issues a ticket or when officials are renewing automobile tags, the Alabama state computer system will do a random check to search for motorists who are no longer insured.

A large part of the reason Alabama is undertaking this endeavor is because more than 20% of drivers (6th highest in the country) do not currently comply with the mandatory auto insurance law.

Alabama is also making sure the law hurts your pocketbook if you decide not to abide by it. First offenders will pay a fine of up to $500 and subsequent violations will cost upwards of $1,000. Too many offenses and you will find your vehicle registrations suspended requiring you to pay up to $400 for reinstatement!

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Lowest Premium Options for 30 Year Old

Inexpensive premium choices for 30 year old

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If you are looking for the cheapest premium that start by getting quotes from National General. We queried them at competitive premium at $866. Which is 24% lower than the "mean" rate within the city.

Progressive is 22% lower than the citywide average with a quote at $890.

Infinity is 19% lower than the average premium with a quote at $932 per year. Which is still very competitive for drivers in the city of Florence.

State Farm and USAA are highly competitive. If you are in the market for savings than get quotes from all carriers illustrated.

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1461 County Road 316,
Flo, AL
(256) 764-2841
121 Yorkshire Cir,
Flo, AL
(256) 766-7773
1705 Darby Drive S-B,
Flo, AL
(256) 718-1666
200 S Wilson Dam Rd,
Muscle Shoals, AL
(256) 381-5774

Affordable Choices for a 40 Y/O Driver

Chart showing cheap premium carriers for 40 year old

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For a 40 year old driver we found all insurers illustrated clustering between $722 and $790 per year.

The most affordable is National General at $722 which is 23% lower the "mean" premium.

Progressive is competitive with a quote at $754. Which is 21% lower than the citywide average.

It would be smart for you to get quotes from all carriers illustrated to find the most savings.

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2628 Hough Rd,
Flo, AL
(256) 712-5593
115 E Mobile St,
Flo, AL
(256) 767-4237
1553 Florence Blvd,
Flo, AL
(256) 766-1703
503 W State St Ste 8,
Muscle Shoals, AL
(256) 381-1535
2504 Avalon Ave Ste C,
Muscle Shoals, AL
(256) 383-0000

Average Annual Premium for 25 to 45 y/o Drivers

Below is the average premium rate for drivers from 25 to 45 years of age. During the queries all driver had no more than one driving violation. The two cheapest options are with National General and Progressive.
Florence CompanyAvg Rate for 25 y/oAvg Rate for 30 y/oAvg Rate for 35 y/oAvg Rate for 40 y/oAvg Rate for 45 y/o
National General$1,090$866$800$722$609
State Farm$1,245$987$865$787$690
Chart of lowest premium choices for 45 year old

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We found 4 carriers lower than $700. The most inexpensive is National General at $609. And Progressive is $5 more at $614. Both insurers are 22% lower than the average premium compared to drivers of the same age.

Infinity shot up to $665 per year for full coverage. Which is 18% lower than the "mean" rate which make them highly competitive.

Two honorable mentions are State Farm and USAA. Both of them are worth getting quotes from. Both are over 12% lower than other carriers offering premiums.

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Resources, Minimum Requirements, & DMV Info
Department of InsuranceDepartment of TransportationDepartment of Motor VehiclesMinimum Requirements
2020 Canyon Rd # 200, Vestavia Hills, AL 35216
(205) 823-4042
1050 Clayborn Liles Dr, Florence, AL 35630
(256) 766-9493
102 S Court St, Florence, AL 35630
(256) 760-5830
10380 Highway 20,
Flo, AL
(256) 767-2218
103 W 6th St,
Tuscumbia, AL
(256) 383-4782
2083 Florence Blvd,
Flo, AL
(256) 740-0886
112 W 5th St,
Tuscumbia, AL
(256) 314-1266
885a Florence Blvd,
Flo, AL
(256) 275-3496
2001 Florence Blvd,
Flo, AL
(256) 764-6861
1312 N Wood Ave,
Flo, AL
(256) 766-2222
120 E 5th St,
Tuscumbia, AL
(256) 383-3400
2401 Helton Dr Ste B,
Flo, AL
(256) 766-6000
205 S Seminary St,
Flo, AL
(256) 740-8258
601 Pasadena Ave,
Muscle Shoals, AL
(256) 381-8372
206a Cox Creek Pkwy,
Flo, AL
(256) 718-3554
2701 Mall Dr Ste 2,
Flo, AL
(256) 764-3611
709 Avalon Ave,
Muscle Shoals, AL
(256) 381-8775
3203 Woodward Ave,
Muscle Shoals, AL
(256) 314-1280
125 S Court St,
Flo, AL
(256) 760-9999
111 E 3rd St,
Tuscumbia, AL
(256) 381-1334
1604 Mockingbird Ct Ste B,
Flo, AL
(256) 767-5555
101 S Court St,
Flo, AL
(256) 767-5601
1705 N Wood Ave,
Flo, AL
(256) 764-9501
427 Cox Blvd,
Sheffield, AL
(256) 383-5011
1819 Darby Dr,
Flo, AL
(256) 764-2234
883 Cox Creek Pkwy,
Flo, AL
(256) 767-4790
1604 Mockingbird Ct,
Flo, AL
(256) 740-0301
419 Cox Blvd,
Sheffield, AL
(256) 383-4521
618 E Tennessee St Ste A,
Flo, AL
(256) 764-3002
149 Ana Dr,
Flo, AL
(256) 740-8461
1810 John R St,
Muscle Shoals, AL
(256) 386-7900
501 S Montgomery Ave Ste C,
Sheffield, AL
(256) 383-1250
1003 Avalon Ave,
Muscle Shoals, AL
(256) 381-0110
110 W Tennessee St,
Flo, AL
(256) 764-8682
207a Seville St,
Flo, AL
(256) 718-0953
1212 Helton Dr Ste B,
Flo, AL
(256) 764-2322
201 E 4th St,
Sheffield, AL
(256) 383-3553
2513 Avalon Ave,
Muscle Shoals, AL
(256) 383-8335
Po Box 2849,
Flo, AL
(256) 764-2285
1312 N Wood Ave,
Flo, AL
(256) 229-5521
918 Florence Blvd,
Flo, AL
(256) 760-8800
106 N Main St,
Tuscumbia, AL
(256) 383-5451
871 Florence Blvd,
Flo, AL
(256) 766-3800
964 Cox Creek Pkwy,
Flo, AL
(256) 712-5379
321 S Walnut St,
Flo, AL
(256) 765-2200
106 N Main St,
Tuscumbia, AL
(256) 383-0565
402 S Cedar St,
Flo, AL
(256) 764-1511
Top Tips to Save on Your Auto Premium
You want to be sure to compare cheap car insurance quotes and with local agents to maximize your savings.
Top rated insurers like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Be sure to check your policy for mileage. If you drive less you can save hundreds more per year.
Don't assume an older model vehicle cost less to insure. Insurers go by the safety rating.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all discounts. Which can be 20% or more in savings.
A good driving history is the best way to keep your insurance rates as low as possible.
If you pay for coverage upfront in full you can save an additional 10% to 20%.
Don't let your coverage lapse. If so, you will see a spike in rates.
Before buying a car shop for quotes to see how much your premium may be.
If you have an older model vehicle consider dropping optional coverage such as comprehensive and collision.
Do some research and take a few minutes to learn the minimum coverage and other factors which apply in your state.
Maintain good credit to keep your premium as low as possible.
Make sure to do an annual rate check. Plus coverage you may or may not need.

Pros & Cons of Each Insurer

Type company name in search bar to find the pros, cons, and ratings. Otherwise each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
AmicaZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAAJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. USAA is only available to members of the military and their immediate family.5
AllstateAllstate offers a claims satisfaction guarantee. With Allstate's claims guarantee is typically a higher price in premiums. 4.5
American FamilyAttractive features, discounts and benefits including the teen safe driver program. Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. 4.5
Auto-Owners Good enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial Been in business for 85 years and has top financial strength. 24/7 customer service. Coverage is only available in 17 states.4.5
ErieFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. Limited to certain regions of the country. 4.5
GEICOConsistently offers the lowest price. Known to raise rates during the time of the policy. 4.5
NationwideNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
TravelersTravelers offers rates well below the national average. Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
ElectricValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati FinancialOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. 4.2
Liberty MutualStrong customer service with attractive features such a new and better car replacement. New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. 4
MetLifeMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating. Limited availability. Only 14 states you can get a policy.4
Tennessee FarmersLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state. 4
Progressive1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. Doesn't offer new or better car replacement.4
Texas Farm BureauOffers competitive rates for all age drivers particularly drivers over 35. Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. 4
FarmersWith Farmers you can insure about everything. Customer service is not 24/7 and reports of not-so-great claims handling. 4
Plymouth RockExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. 4
Safeco24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. Customers have complained of claims being underpaid. 4
21st CenturyPart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
HartfordMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. Claims satisfaction rating is only 2 out of 5 stars. 4
EsuranceOffers low rates, first rate website, and good customer service. Customers claim Esurance will penalize for cancelling a policy. No local agents. 4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
NJMCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
Safety Ins.VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. 4
WawanesaIf you have a clean driving record your premium should be below average with this insurer. Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. 3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
AlliedRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs. Only available in 19 states.3.5
ArbellaSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
MercuryMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees. 3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms. Not available in all states. Only in Kentucky. 3.5
EncompassStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process. 3.4
ElephantGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average. Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
AcceptanceGreat for non-standard or high risk drivers. Drivers with good driving history will pay above average. Claims process can be time consuming. 3.1
State FarmSuperior claims handling. State Farm has been the best at claims for years. Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates. Claims process can be slow and payout from accidents are lower than expected. 3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. 3
HanoverEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
MapfreCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
KemperKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average. 3
The GeneralHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
SentrySentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. There are a number of customer complaints in the areas of products and services.3
State Auto GroupState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. 3
ChubbCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. Tailors to individuals with higher than average net worth. 3
Good2goOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience. 2.5
InfinityImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great. 2.5
LoyaAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types. 2.5
SafewayIt is difficult to find anything good about this company. Presentation of inconsistent information from website and agents. 2
Access AutoBasic online website with some options so you don't have to talk to an agent. Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. 1.9

Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance Coverage Uninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$899/yrNew Hampshire25/50/25
$893/yrNew Jersey15/30/5
$937/yrNew Mexico25/50/10
$1,041/yrNew York25/50/10
$473/yrNorth Carolina30/60/25
$644/yrNorth Dakota25/50/25
$743/yrRhode Island25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$1,710/yrWest Virginia20/40/10

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