Cheapest Auto Insurance in Dothan, Alabama (2024)
Auto-Owners offers the cheapest car insurance in Dothan, with minimum-coverage policies as low as $35 per month.
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Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
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20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
Dothan drivers pay less for car insurance than the average cost of auto coverage in Alabama. In Dothan, liability-only coverage — the cheapest option available — costs an average of $58 per month, while full coverage costs $137. By comparison, Alabama’s averages are $143 and $60.
Dothan’s short average commute time of about 20 minutes, and the city’s comparatively lower population density, likely both contribute to its lower rates.
While Auto-Owners offers the lowest overall rates in this southeastern Alabama, you may be able to find even cheaper rates by comparing quotes from multiple auto insurance companies.
Quick Facts
With 71,235 residents, Dothan’s population is smaller and its population density is less than larger Alabama cities like Birmingham, Mobile, and Montgomery.
Auto-Owners, USAA, and State Farm have the cheapest car insurance rates in Dothan.
Dothan drivers pay an average of $1,169 per year for full-coverage car insurance.
3 of the cheapest car insurance companies in Dothan
The best car insurance company for you depends on several factors, like your age, driving history, and coverage needs. As you begin your search, remember to compare quotes from several insurers, and you can start with these three.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $71 | $37 | Affordable coverage |
| Bristol West | 5.2 | $260 | $99 | Drivers with a DUI |
| Auto-Owners | 8.5 | $70 | $37 | Young drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordable coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $68/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the nation’s largest insurance company based on market share, and it offers cheap car insurance rates in Dothan for both liability and full-coverage insurance. State Farm also provides safe-driver discount programs, as well as discounts for bundling auto coverage with homeowners insurance.
Pros
Some of the cheapest rates available in Dothan from a national insurer
Good driver discount available
Cons
Gap insurance coverage not available
No safe-driver program for drivers older than 25
Best insurer for drivers with a DUI: Bristol West
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $248/mo |
3.2
A solid optionBased on 296 verified guest reviews and ratings
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
Reviews (147)
Misty
November 18, 2024
Verified Review
Limited Budget, Perfect Driving Record Yet My Bill Went Up
I've always paid around $48 to $52 a month for basic liability, which is within my budget. I never had any issues with Bristol West until October 2024 when they took $100 out of my account. In September, a month earlier, I paid $49. Then in November 2024, my premium was at $74. I'm on a very limited budget and only get one check a month. I have never had an accident or gotten any tickets ever! I told my agent I simply can't afford much and she reassured me that because my credit is excellent and I have an excellent driving record, my policy will stay the same.
Dwayne
November 7, 2024
Verified Review
Sudden increase in monthly payments
For my 2004 car, I was paying $252 a month, which was a sudden increase from $191. State Farm seems to be a better option, so it might be worth shopping around.
Reginald
November 4, 2024
Verified Review
Comparable to Well-Known Brands
It's not as recognized as Farmer's or other well-known brands, but it performs similarly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.8A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Bristol West, a member of the Farmers Insurance Group, is a regional insurance company that specializes in writing policies for high-risk drivers. Bristol West will issue policies to drivers with no credit or poor credit history, as well as someone with a DUI on their record. Its rates are generally higher than average rates in the market.
In addition to liability, comprehensive, and collision insurance options, Bristol West has optional coverage for roadside assistance, medical payments up to $10,000, and car rental reimbursement for up to $50 per day.
Pros
Provides coverage for difficult-to-insure drivers
Optional rideshare coverage available
Cons
Drivers with violations pay much higher rates than drivers with clean records
No discounts listed on its website
Best insurer for young drivers: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $67/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners Insurance has been in business for more than 100 years. The company offers some of the cheapest car insurance rates in Dothan, as well as a wide range of coverage and discount options for teens and young adults.
Young drivers can save up to 20% for maintaining a B average or higher in high school or college with Auto-Owners’ good student discount. This insurer also offers a Teen Driver Monitoring discount to reward young drivers after monitoring their driving habits, and a student away at school discount for students living on campus a certain number of miles from home.
Pros
Available discounts for teens and young drivers
Gap coverage and roadside assistance also available
Cons
Quotes not available online
Student-away-at-school discount is only available for students attending school more than 100 miles away
How to get the cheapest car insurance in Dothan
Getting the cheapest auto insurance policy in Dothan will depend on factors like your age, ZIP code, driving history, and the type of coverage you need. But you can take the following steps to reduce your premiums, no matter your insurance goals:
Keep a clean driving record. Your driving record affects your car insurance rates significantly. Keep a clean driving record by following traffic laws and avoiding at-fault accidents, and insurers will see you as a less-risky client.
Ask about discounts. Insurers offer various discounts, from bundling multiple coverages to enrolling in a safe driver program or maintaining good grades in high school or college. You should always ask your insurance agent if you qualify for any discounts to help lower your premium. There may be a discount or two you’re unaware of.
Check insurance costs when buying a car. If you’re planning to purchase a new car, it’s essential to check the insurance costs early on, since the cost of these rates could affect your buying decision. Some cars cost more to insure than others, and this often depends on the make and model as well as the vehicle’s safety features.[1] You can also check with your insurance company to get an idea of how much your insurance premium will be before you buy a car.
Shop around and compare rates. Shopping around to compare at least three quotes from different companies can help ensure you’re getting the best deal for the coverage you need. Consider getting an insurance quote from an insurance agent or consider using an online comparison platform to compare your options.
Find Cheap Car Insurance in Dothan, Alabama
Rates start at $67 per month for full coverage
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Based on 3,806+ reviews
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Cheapest liability-only car insurance in Dothan: Auto-Owners
Liability car insurance only covers damages to the other person’s car and their medical expenses after an accident you cause. With liability insurance, you won’t receive any coverage for your vehicle or medical treatment, but this option may be worth considering if you’re only interested in the cheapest insurance coverage possible.
Liability insurance may also work for you if you drive a vehicle that’s paid off or is valued at an amount similar to your deductible. Before considering a liability-only car insurance policy, you should determine whether you can afford to pay for your own car repairs out of pocket. The average monthly rate for liability insurance in Dothan is $58, and you can see the average monthly quote from area insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $35 |
| State Farm | $35 |
| USAA | $35 |
| Allstate | $38 |
| COUNTRY Financial | $39 |
| Travelers | $48 |
| National General | $50 |
| Direct Auto | $51 |
| GEICO | $52 |
| Nationwide | $60 |
| Progressive | $64 |
| Farmers | $65 |
| Root | $65 |
| Clearcover | $75 |
| AssuranceAmerica | $80 |
| Foremost | $83 |
| Safeco | $90 |
| Bristol West | $95 |
| GAINSCO | $98 |
| Liberty Mutual | $160 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dothan: Auto-Owners
Full-coverage car insurance provides the same protections as liability insurance but also includes coverage for your vehicle and your medical expenses after an accident. If you lease a vehicle or have a car loan, your lender may require that you have full-coverage (which includes collision and comprehensive) insurance to protect its risk if the car gets totaled.
Full-coverage insurance tends to be more expensive, but it can also save you money, since all you’ll need to pay is your collision and comprehensive deductible if you need to file a claim. The average rate for full-coverage insurance in Dothan is $137.
The following table illustrates average quotes from top insurers selling full-coverage car insurance in Dothan.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $67 |
| USAA | $67 |
| State Farm | $68 |
| Allstate | $72 |
| COUNTRY Financial | $74 |
| Travelers | $91 |
| GEICO | $100 |
| Root | $103 |
| Nationwide | $114 |
| National General | $116 |
| Progressive | $122 |
| Farmers | $124 |
| Clearcover | $127 |
| Direct Auto | $130 |
| AssuranceAmerica | $158 |
| Safeco | $161 |
| Foremost | $212 |
| GAINSCO | $234 |
| Liberty Mutual | $241 |
| Bristol West | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Dothan, Alabama
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $68/mo for full coverage in Dothan and other Alabama cities.
*Quotes generated for Insurify users in and around Dothan, Alabama within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dothan, Alabama within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Alabama
Alabama is an at-fault state, and minimum liability insurance is required on all motor vehicles.[2] Drivers must be prepared to present proof of car insurance when visiting their licensing official’s office, or during a traffic stop by a law enforcement officer, and must contact their local Department of Revenue office if changing insurance companies.
Below are the minimum car insurance coverage requirements you must meet to drive legally in Alabama:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
While meeting the state’s minimum requirements will get you on the road, you may want to augment your coverage with any of the following options:
Collision coverage
Collision coverage pays for repairs or replacements of your vehicle after an accident with a stationary object or another vehicle, regardless of fault. It also covers rollover accidents and damage from hitting a pothole.
Comprehensive coverage
Comprehensive coverage pays for damage from fire, theft, vandalism, natural disasters, falling objects, and hitting deer or other wild animals. It also covers cracked windshields.
Medical payments coverage
Medical payments coverage pays for medical bills for you and your passengers. It also applies even if you’re a passenger in someone else’s car or get hurt while walking or biking.
Roadside assistance coverage
Roadside assistance coverage pays for towing, changing a flat tire, jump-starting your battery, and other situations that might leave you stranded.
Rental reimbursement coverage
This helps pay for a car rental while your car is in the shop for repairs after an accident.
Cheapest car insurance for drivers with an incident
Driving incidents like an at-fault accident or moving violation can stay on your driving record and negatively affect your car insurance rates for several years. Speeding tickets or driving under the influence can also cause your rates to increase through premium surcharges since these driving infractions cause insurers to view you as a higher risk driver than motorists with clean records.
The following sections will show you how different incident types can affect your rates in Dothan.
Shop for Car Insurance in Dothan, AL
Monthly rates start at $45 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
If you receive a ticket for driving over the speed limit, the state of Alabama allows you to enroll in a defensive driving course to help your driving record.[4] But your car insurance rates could still increase for three to five years, depending on the severity of the infraction and your insurers underwriting roles.
On average, full coverage costs Dothan drivers with speeding tickets $214 per month; liability averages $91 monthly. You can compare how a ticket affects the liability rates you’re offered by top insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $49 |
| State Farm | $35 | $48 |
| USAA | $35 | $48 |
| Allstate | $38 | $52 |
| COUNTRY Financial | $39 | $55 |
| Travelers | $48 | $67 |
| National General | $50 | $69 |
| Direct Auto | $51 | $70 |
| GEICO | $52 | $72 |
| Nationwide | $60 | $84 |
| Progressive | $64 | $88 |
| Farmers | $65 | $89 |
| Root | $65 | $96 |
| Clearcover | $75 | $104 |
| AssuranceAmerica | $80 | $110 |
| Foremost | $83 | $123 |
| Safeco | $90 | $126 |
| Bristol West | $95 | $132 |
| GAINSCO | $98 | $145 |
| Liberty Mutual | $160 | $236 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Having an at-fault accident on your driving record can increase your insurance rates significantly, as seen in the table below. But some insurers still offer competitive rates.
The average rate for Dothan drivers with an accident on their record is $226 per month for full coverage and $96 for a liability-only policy. In the table below, you can see how liability rates are lower for a driver with a clean record in comparison to one with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $51 |
| State Farm | $35 | $51 |
| USAA | $35 | $51 |
| Allstate | $38 | $56 |
| COUNTRY Financial | $39 | $59 |
| Travelers | $48 | $71 |
| National General | $50 | $73 |
| Direct Auto | $51 | $76 |
| GEICO | $52 | $76 |
| Nationwide | $60 | $88 |
| Progressive | $64 | $94 |
| Farmers | $65 | $95 |
| Root | $65 | $101 |
| Clearcover | $75 | $117 |
| AssuranceAmerica | $80 | $115 |
| Foremost | $83 | $129 |
| Safeco | $90 | $131 |
| Bristol West | $95 | $139 |
| GAINSCO | $98 | $138 |
| Liberty Mutual | $160 | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
A DUI is among the most serious driving infractions, and it can remain on your record for several years and result in fines or even jail time. Some insurers may drop you altogether if you have a DUI on your record.
But getting car insurance with a DUI isn’t impossible. Some insurance companies, like Bristol West, specialize in helping drivers with a bad driving record or DUI get a second chance at finding affordable car insurance coverage.
Here, you can see how liability-only rates from the included insurers compare against the area monthly liability average of $107 for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $61 |
| State Farm | $35 | $61 |
| USAA | $35 | $61 |
| Allstate | $38 | $66 |
| COUNTRY Financial | $39 | $68 |
| Travelers | $48 | $84 |
| National General | $50 | $87 |
| Direct Auto | $51 | $89 |
| GEICO | $52 | $91 |
| Nationwide | $60 | $105 |
| Progressive | $64 | $112 |
| Farmers | $65 | $114 |
| Root | $65 | $102 |
| Clearcover | $75 | $131 |
| AssuranceAmerica | $80 | $140 |
| Foremost | $83 | $145 |
| Safeco | $90 | $147 |
| Bristol West | $95 | $166 |
| GAINSCO | $98 | $171 |
| Liberty Mutual | $160 | $280 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Insurers review your age when determining rates, and car insurance rates can increase for seniors and young drivers since insurance companies consider these age groups a higher risk. Older drivers can generally expect rates to rise around age 70, as accident risks for senior drivers tend to increase.
Car insurance for senior drivers in Dothan costs $44 for liability-only coverage and $104 for full-coverage policies, on average. Fortunately, seniors can still get cheaper car insurance by taking advantage of discounts and savings opportunities like bundling and keeping a clean driving record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $26 | $51 |
| Auto-Owners | $27 | $51 |
| USAA | $27 | $51 |
| Allstate | $29 | $55 |
| COUNTRY Financial | $30 | $57 |
| Travelers | $36 | $68 |
| National General | $37 | $85 |
| Direct Auto | $38 | $97 |
| GEICO | $40 | $76 |
| Nationwide | $43 | $81 |
| Progressive | $44 | $84 |
| Farmers | $49 | $93 |
| Root | $52 | $83 |
| AssuranceAmerica | $58 | $114 |
| Clearcover | $62 | $105 |
| Foremost | $64 | $163 |
| Bristol West | $73 | $191 |
| Safeco | $74 | $132 |
| GAINSCO | $79 | $188 |
| Liberty Mutual | $129 | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Teens have less experience behind the wheel and higher accident rates than other demographic groups. As a result, they pay higher car insurance rates. To get cheaper car insurance as a young driver, consider taking advantage of discounts for good students or enrolling in a driver safety program if your insurer offers this.
Staying on your parents’ policy can also be helpful in keeping rates manageable. If you're younger than 18, you won't be able to buy your own policy unless a parent or guardian provides written consent.
In Dothan, car insurance for teenagers costs an overall monthly average of $185.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $60 | $114 |
| Auto-Owners | $62 | $119 |
| USAA | $62 | $119 |
| State Farm | $64 | $124 |
| Allstate | $72 | $136 |
| GEICO | $88 | $170 |
| Travelers | $92 | $174 |
| Direct Auto | $98 | $251 |
| National General | $104 | $240 |
| Root | $104 | $164 |
| Nationwide | $111 | $211 |
| Progressive | $119 | $227 |
| Farmers | $120 | $229 |
| Clearcover | $146 | $247 |
| AssuranceAmerica | $155 | $306 |
| Foremost | $156 | $398 |
| Bristol West | $170 | $443 |
| GAINSCO | $179 | $428 |
| Safeco | $183 | $327 |
| Liberty Mutual | $291 | $438 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Dothan car insurance quotes by credit tier
Your credit is another important factor that insurers in most states can use to determine your car insurance rates. This is because insurance companies use your credit history to generate a credit-based insurance score, intended to predict the risk that you’ll file an insurance claim.
Generally, the better your credit, the lower your insurance rate can be, and an excellent credit score is considered anything above 720. Even if you have a poor credit score, you can still find cheap car insurance rates by keeping a clean driving record and securing other insurer discounts.
Here are the average monthly quotes for Dothan based on your credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Dothan?
The average cost of full-coverage car insurance in Dothan is $137, which is lower than in several other Alabama cities, including Auburn, Birmingham, and Huntsville.
Insurance in Dothan is also slightly cheaper than the state’s average cost of coverage. Insurance costs can vary by city based on factors like the number of accidents and vehicle thefts in the area or the costs required to repair certain types of vehicles.
More cities in Alabama
Dothan has some of the cheapest car insurance rates in Alabama. Here’s how prices compare to other major cities in the state.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auburn | $138 | $59 |
| Birmingham | $164 | $67 |
| Enterprise | $134 | $53 |
| Huntsville | $141 | $63 |
| Madison | $147 | $64 |
| Mobile | $159 | $70 |
| Montgomery | $173 | $68 |
| Tuscaloosa | $158 | $64 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Dothan car insurance FAQs
If you’re shopping for car insurance in Dothan, Alabama, this additional information may help as you research your coverage options.
How much is car insurance in Dothan, Alabama?
The overall average monthly rate for car insurance in Dothan is $97. If you’re looking for liability coverage, you can expect to pay about $58 per month. Full coverage averages $137 per month.
Which company has the cheapest car insurance in Dothan?
Auto-Owners offers the lowest car insurance rates in Dothan. The company’s full-coverage rates average $67 per month, while liability ranges around $35. Dothan drivers can also find low rates with State Farm and USAA, which offer liability-only rates of $35 and $35 per month, respectively.
What are the best car insurance companies in Dothan?
State Farm and Auto-Owners both have impressive Insurify Quality (IQ) Scores and offer some of the lowest rates in the area. Bristol West’s rates are higher, but the insurer has a strong history of offering coverage to drivers with a poor driving history or a DUI on their record.
How much is car insurance in Alabama per month?
The average rate for car insurance in Alabama is $102 per month. The average monthly rate for liability coverage is $60, and for full coverage, the average rate is $143.
What’s the minimum auto insurance in Alabama?
In order to drive legally in Alabama, your coverage must meet or exceed the state’s 25/50/25 rule. This means you must carry bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as property damage liability amounting to $25,000 per accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Alabama
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Be Sure to Insure Alabama. "Alabama Insurance Checklist."
- Alabama Department of Insurance. "FAQs."
- Alabama Traffic Service Center. "ALABAMA TRAFFIC CALL CENTER GENERAL INFORMATION."
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Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
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