Hoover, AL Auto Insurance | Cheap Auto Insurance in Hoover, AL

Hoover, AL auto insurance requires you have 25/50/25 in liability coverage. Cheap auto insurance in Hoover, AL averages $20/month with State Farm. The best Hoover, AL car insurance companies include Farmers, State Farm, Allstate, ALFA, and Nationwide. One reason Hoover, AL auto insurance rates are low is the low vehicle theft in the city (108 annually).

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Needing cheap auto insurance in Hoover, AL? AutoInsuranceEZ.com can help you find Hoover, AL auto insurance. All you need to do is provide your postal code in the search box down the page – it’s so easy! The cheapest Hoover, AL car insurance is $20 and offered by State Farm.

Hoover is nestled in the foothills of the Appalachian Mountains and is also one of the largest suburbs of Birmingham. The city hosts several tourism and entertainment centers, including the Riverchase Galleria and Regions Park, where the local minor-league baseball team plays their home games.

Fun fact: get ready to fire up the tractor, because Hover is #4 on the list of “Top 101 cities with largest percentage of females in occupations: Farmers and farm managers (population 50,000+)”.  Continue reading on Alabama auto insurance.

Auto Insurance Coverage Requirements in Alabama

Driving legally in Hoover requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Be cautious before determining to hold just the condition mandated minimum coverage. Liability only covers you in case of any sort of accident that you simply cause. If another person is considered to blame, should there be hospital bills, or maybe your vehicle will get stolen, your insurance provider won’t shell out a cent.

Some motorists in Alabama are riding around at this time with payments of $127 or greater – ouch! Fortunately, Hoover citizens can engage in deals at this time that may shrink their repayments to $37/mo* or lower!

Average Monthly Auto Insurance PremiumsLegend: Basic Coverage Farmers State Farm Allstate ALFA Nationwide 5101520253035404550$34$20$50$38$44


Between State Farm and Farmers, it’s difficult to find another insurance provider in Hoover who’s working harder to draw in your company. Bur remember, reduced rates aren’t everything. Customer support and claim payouts might also influence recognize the business you decide to pursue business with.

Organizations that underwrite auto insurance coverage evaluate many variables while calculating insurance rates, among them driving experience, accident claims, occupation, miles driven each year, and multiple cars and drivers. Moreover, premiums can alter between companies. To confirm that you are still paying the lowest-cost premium, do a comparison of cheap Hoover auto insurance price quotes on the internet.

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Major Car Insurance Factors in Hoover

The moment your motor vehicle insurance agency prepares to write your insurance policy, they take lots of aspects under consideration. Many of these, like your age or maybe your precise address, are generally improbable to change. Here are a few additional examples:

Your Zip Code

Motor vehicle insurance agencies need to know where your home is (or where you might be driving a vehicle most often) to be able to determine the odds of a vehicle accident. Everything boils down to a simple notion: the greater the human population, the more cars there will be while driving, and therefore the more prospects you may have to get in a wreck with or even be hit by a different vehicle. The populace of Hoover is in fact 84,126 and the common household earnings are $74,782.

Auto Insurance by Zip CodeLegend: Tuscaloosa Montgomery Mobile Huntsville Hoover Farmers State Farm Allstate ALFA Nationwide 5101520253035404550$27$30$34$25$34$33$33$36$36$20$40$39$45$41$50$29$30$31$28$38$40$43$43$39$44


Automotive Accidents

The relative number of deadly accidents compared to the overall population of Hoover means that accidents in your area are fairly infrequent. And when serious accidents don’t happen often in your zip code, that means you’ll probably get your rates automatically lowered.

Fatal Accidents in Hoover, ALLegend: Hoover Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1234567845148


Auto Thefts in Hoover

Anti-theft technology is usually a great way to secure yourself from auto theft. They can be reasonably affordable, simple to have put in, and once set up, need little effort by you. And best of all, nearly all insurance agencies will provide you with a discount on your automobile insurance just for having one! In Hoover, they had 108 auto thefts in 2013. These rates are very low, but remember that there are many other reasons why you should carry Comprehensive coverage on your policy (other than theft).

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Allstate ALFA Nationwide 153045607590105120135$34$90$20$136$50$106$38$95$44$101


Your Credit Score

Your credit rating may have a major effect on your rate per month – however this isn’t always true for those companies. Some providers, like ALFA, focus on supplying affordable insurance for those motorists, no matter credit. Other, pickier providers might double your monthly premium or even more for any poor score.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Allstate ALFA Nationwide 1020304050607080$28$62$27$44$41$81$35$45$42$63


Your Age

The older a driver is, the cheaper their insurance is going to be. Providers instantly think that your years of driving experience can make it not as likely to get into any sort of accident. Teenage motorists, however, often see rate hikes up to 500% or even more. But a’s and b’s (plus a Good Student discount) may help decrease your repayments somewhat.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Farmers State Farm Allstate ALFA Nationwide 255075100125150175200225250275$34$281$20$59$50$224$38$133$44$182


Your Driving Record

Based on the number of – and just how severe – your previous driving violations are, it will either have a minimal effect on your rate per month, or perhaps your premiums could skyrocket. And a few providers tend to be more forgiving than the others, and the graph below shows this trend. But when you’re lucky, you may have the ability to locate an accident forgiveness discount from an insurer in your area.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Allstate ALFA Nationwide 10203040506070$34$49$57$54$20$39$58$24$50$56$67$72$38$40$51$42$44$55$74$69


Your Vehicle

For many motorists, it’s not always essential that you simply carry anything further than the state minimum coverage, even on the luxury vehicle. However, most providers highly recommend that you simply carry enough coverage to cover the hypothetical costs of repairing/changing your automobile inside a worst situation scenario. And it is highly unlikely that the $20,000-$40,000 price of liability will replace a totaled Porsche.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Allstate ALFA Nationwide 153045607590105120$34$128$20$90$50$110$38$132$44$108


Minor Car Insurance Factors in Hoover

Of course, these factors are important too:

Your Marital Status

Partners can get together and cut costs every month by bundling their guidelines together. You may also bundle additional insurance plans (just like your homeowner’s insurance) in case your provider offers individuals extra financial services.

Your Gender

Whenever you check out the accessible data, it appears as if insurance firms really are a little confused over things to charge according to gender. Some have completely eliminated the practice altogether. However for individuals that do still charge, you’re unlikely to locate greater than a 1-3% cost fluctuation.

Your Driving Distance to Work

Depending on your own personal situation, commuting around Hoover can be anywhere from a minor inconvenience to a huge hassle. While average commutes last between 20-25 minutes, some might be as short as 15 or as long as 30-35 minutes each direction. And you’ll probably need a car in order to get around, because 80% of the other drivers in Hoover drive their own vehicle alone to work each day. Less than 7% carpool.

Are you currently insuring your automobile like a business vehicle? Well, that won’t be the greatest decision. Transporting insurance on the business vehicle can improve your payments by 10% or even more. If you possess the option, insuring it for private use is what you want.

Your Coverage and Deductibles

Certain kinds of coverage, for example Comprehensive or Collision, require that you simply pay an insurance deductible in advance before your insurance provider will process your claim. Whenever your deductible is low, it’s less costly to return to the street if you need to file claims. But it’ll also help make your monthly repayments more costly. Speak to your agent about raising your deductible, and just what options that may afford you so far as savings goes.

Education in Hoover, AL

Many drivers may not know this, but having a higher education usually entitles you to a lower rate on your insurance policy. This is great news for Hoover, because a whopping 36% of the population has successfully earned a bachelor’s degree, while an additional 16% have at least one year or more of college experience.

Hoover is only 10 miles away from Birmingham, one of the largest cities in Alabama, and therefore only a short commute from all of the educational opportunities it has to offer. But if you’d rather get your education a little closer to home, you have a couple of options. Birmingham-Southern College is one of them, and it offers four-year degrees in several different liberal arts majors. BSC is a private institution, and is also affiliated with the Methodist Church.

Motor vehicle insurance is just about the most important financial investment you can make as a car owner. You’ll want to make sure you locate a genuine, dependable vendor which will follow through on their guarantees. Various insurance agencies happen to be better at this than others, and performing a rigorous web based hunt will help you divide the good from the bad.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Alabama Department of Insurance

Alabama Department of Finance

Department of Highway Safety and Motor Vehicles



(Discounts for Alabama drivers only) – Low Rates – Top Companies – Online

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