Cheap Auto Insurance in Enterprise, Alabama (2024)
Auto-Owners offers the cheapest car insurance in Enterprise, with minimum-coverage policies as low as $34 per month.
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Written byJess Ullrich
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Edited byKatie Powers
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Updated November 21, 2024
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Table of contents
A city of around 30,000 people, Enterprise has lower car insurance rates than many other cities in Alabama. The average cost for a liability-only policy in Enterprise is about $53 per month, and full coverage costs $134. By comparison, the state averages for liability-only and full-coverage car insurance are $60 and $143, respectively.
Multiple factors contribute to Enterprise’s lower car insurance costs, including the city’s comparatively small population and low population density, its distance from the Gulf of Mexico, and its lower risk of storm damage.
Here’s what you should know about getting cheap car insurance in Enterprise.
Quick Facts
Auto-Owners, USAA, and State Farm are the cheapest car insurance companies in Enterprise.
The overall average cost of car insurance in Enterprise is $1,121 annually, according to Insurify data.
Enterprise is less populated than other Alabama cities, which likely contributes to the city's lower car insurance costs.
Best car insurance companies in Enterprise, Alabama
Though cost is a major factor you should consider when choosing an auto insurance policy, the cheapest insurer you find may not provide the best coverage options for you. It’s essential to shop around for coverage while keeping your unique insurance needs and financial situation in mind.
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 ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $70 | $37 | Cheap rates |
| State Farm | 9.3 | $71 | $71 | Young drivers |
| USAA | 9.4 | $70 | $37 | Military members |
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.
Here are three of the best insurers offering quality coverage in Enterprise.
Best insurer for cheap rates: 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. | $34/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. | $64/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 offers some of the cheapest average liability and full-coverage car insurance rates in Enterprise. The company is smaller than State Farm, USAA, and other well-known insurers, but it has an A++ (Superior) rating from AM Best. Drivers can feel confident that the company is financially stable.
In addition to offering affordable auto policies, Auto-Owners provides customers with multiple ways to save on monthly premiums. Drivers can get multi-policy, positive payment history, paperless billing, and paid-in-full discounts.
Pros
Cheapest average rates in Enterprise
Advertises 13 car insurance discounts
Cons
Mobile app has average customer ratings
Doesn’t offer online quotes
Best insurer for young drivers: 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. | $34/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. | $65/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
The largest property and casualty insurance company in the U.S., State Farm sells auto coverage and other insurance products. The insurer received an A++ (Superior) rating from AM Best, signaling its financial stability.
State Farm customers benefit from several discounts, including savings for safe driving and bundling your coverage. It also offers special discounts for teens and drivers younger than 25, which can help make coverage more affordable for new drivers.
Pros
Advertises 10 car insurance discounts
Below-average number of customer complaints to the National Association of Insurance Commissioners (NAIC)
Cons
No gap insurance
No accident forgiveness coverage
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.4 /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. | $34/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. | $64/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
USAA is a long-standing insurer that offers affordable coverage to U.S. service members and veterans — and their eligible spouses and children. USAA received an A++ (Superior) financial strength rating from AM Best.
USAA offers members multiple ways to save on auto coverage, including bundling, good student, multi-vehicle, and automatic payment discounts. Besides car insurance, USAA also sells property, life, health, and business insurance.
Pros
Advertises 10 car insurance discounts
Highly rated mobile app
Cons
Only for active, reserve, and retired U.S. service members and eligible family members
Some poor customer reviews on Trustpilot
How to get the cheapest car insurance in Enterprise
Car insurance companies look at many factors when calculating insurance rates, including your driving history, age, gender, location, credit history, and the type of vehicle you drive. Here are some actions you can take to potentially lower your car insurance rates:
Compare quotes from different companies. Shopping around for auto coverage can help you find an affordable policy that best meets your needs. Consider using an online quote-comparison tool or working with an independent insurance agent to simplify your search and save money.
Stay safe on the road. Focus on staying safe behind the wheel to help keep your auto insurance coverage costs manageable.
Take a defensive driving course. Insurance companies tend to offer lower rates to safe drivers. Consider taking a defensive driving course to get the best rates.
Build your credit. Your credit score will also affect your insurance rates in Enterprise. Aim for good or excellent credit to get the lowest possible prices.
Ask about discounts. Many insurers offer discounts on car insurance policies that can result in savings. For instance, you can earn a bundling discount for choosing multiple insurance products from the same company.
Cheapest liability-only car insurance in Enterprise: Auto-Owners
You can typically find the lowest rates for a liability-only policy. Liability coverage protects you financially if you cause an auto accident and injure the other driver or damage their vehicle.[1] Drivers with a high-mileage, older vehicle may only need liability coverage, but other vehicle owners should consider additional coverage beyond the state’s minimum requirements.
The following insurers offer the cheapest liability-only policies in Enterprise.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $34 |
| State Farm | $34 |
| USAA | $34 |
| Allstate | $36 |
| COUNTRY Financial | $37 |
| Travelers | $46 |
| National General | $48 |
| Direct Auto | $49 |
| GEICO | $50 |
| Nationwide | $57 |
| Progressive | $61 |
| Farmers | $62 |
| Root | $62 |
| Clearcover | $72 |
| AssuranceAmerica | $77 |
| Foremost | $79 |
| Safeco | $87 |
| Bristol West | $91 |
| GAINSCO | $94 |
| Liberty Mutual | $153 |
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 Enterprise: Auto-Owners
Opting for full-coverage car insurance will provide you with more financial protection and can make sense if you drive a newer vehicle. In addition to liability insurance, full-coverage insurance includes comprehensive and collision insurance.
Comprehensive insurance covers damage to your car following a non-collision event, like fire, severe weather, or vandalism. Collision insurance kicks in for damage to your car from an accident, regardless of fault.
Here are the cheapest full-coverage insurance options in Enterprise.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $64 |
| USAA | $64 |
| State Farm | $65 |
| Allstate | $69 |
| COUNTRY Financial | $71 |
| Travelers | $88 |
| GEICO | $96 |
| Root | $98 |
| Nationwide | $109 |
| National General | $111 |
| Progressive | $117 |
| Farmers | $119 |
| Clearcover | $122 |
| Direct Auto | $125 |
| AssuranceAmerica | $151 |
| Safeco | $154 |
| Foremost | $203 |
| GAINSCO | $224 |
| Liberty Mutual | $231 |
| Bristol West | $238 |
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 Enterprise, Alabama
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $68/mo for full coverage in Enterprise and other Alabama cities.
*Quotes generated for Insurify users in and around Enterprise, 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 Enterprise, 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 a tort, or fault, state. This means the driver who caused an accident must cover the other driver’s costs associated with that incident. This includes damage to another driver’s vehicle and any medical expenses for the driver and passengers in that vehicle.
Here are the minimum car insurance requirements for Alabama drivers:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
Depending on your vehicle and budget, you may want to purchase additional coverage for more protection. Your lender may even require you to purchase collision and comprehensive coverages if you’re financing your car.
Here are a few common optional coverages to consider:
Collision coverage
Collision insurance provides coverage for vehicle damage and the repairs to your car from a covered accident.
Comprehensive coverage
For non-collision incidents, comprehensive insurance reimburses you for damage to your car. These incidents can include theft, burglary, fire, and a covered weather event.
Medical payments coverage
If you face injury from an accident, medical payments coverage can pay for your resulting medical expenses up to your coverage limits.
Cheapest car insurance for drivers with an incident
Past incidents like a speeding ticket, driving under the influence (DUI) charge, at-fault accident, or reckless driving incident typically affect the cost of your auto coverage in Enterprise. Your monthly premiums will likely increase because your car insurance company may view you as a high-risk driver.[3]
Find Car Insurance in Enterprise
Minimum-coverage rates start as low as $64/mo.
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Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Drivers in Enterprise with a clean record pay lower insurance rates than people with a speeding ticket. If you have past tickets on your record, your car insurance company may charge you more to account for the additional risk. However, a single speeding ticket typically won’t affect your monthly premium significantly.
Enterprise drivers with speeding tickets face average monthly car insurance rates of $209 for full coverage and $83 for liability-only policies. The following companies offer the cheapest liability-only coverage for Enterprise drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $34 | $47 |
| State Farm | $34 | $46 |
| USAA | $34 | $47 |
| Allstate | $36 | $50 |
| COUNTRY Financial | $37 | $53 |
| Travelers | $46 | $64 |
| National General | $48 | $67 |
| Direct Auto | $49 | $68 |
| GEICO | $50 | $69 |
| Nationwide | $57 | $79 |
| Progressive | $61 | $84 |
| Farmers | $62 | $85 |
| Root | $62 | $91 |
| Clearcover | $72 | $100 |
| AssuranceAmerica | $77 | $106 |
| Foremost | $79 | $117 |
| Safeco | $87 | $122 |
| Bristol West | $91 | $126 |
| GAINSCO | $94 | $139 |
| Liberty Mutual | $153 | $226 |
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: State Farm
Having one or more at-fault accidents on your driving record will increase your insurance costs — typically more so than a speeding ticket. The severity of the accident and details of your resulting claim may also influence your insurance premium.
An at-fault accident boosts average car insurance rates in Enterprise to $221 per month for full coverage and $87 for minimum coverage. Here’s what you can expect to pay for minimum coverage in Enterprise with a past accident on your record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $34 | $50 |
| State Farm | $34 | $49 |
| USAA | $34 | $50 |
| Allstate | $36 | $53 |
| COUNTRY Financial | $37 | $56 |
| Travelers | $46 | $68 |
| National General | $48 | $70 |
| Direct Auto | $49 | $73 |
| GEICO | $50 | $73 |
| Nationwide | $57 | $84 |
| Progressive | $61 | $90 |
| Farmers | $62 | $90 |
| Root | $62 | $96 |
| Clearcover | $72 | $113 |
| AssuranceAmerica | $77 | $110 |
| Foremost | $79 | $122 |
| Safeco | $87 | $126 |
| Bristol West | $91 | $133 |
| GAINSCO | $94 | $132 |
| Liberty Mutual | $153 | $237 |
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: State Farm
A DUI is one of the most serious driving offenses, so having one on your record makes you a high-risk driver. Car insurance is typically harder to find and more expensive if you have a history of driving under the influence.
Here’s a look at the average monthly cost of liability-only coverage for drivers with a DUI from auto insurers in Enterprise.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $34 | $59 |
| State Farm | $34 | $59 |
| USAA | $34 | $59 |
| Allstate | $36 | $63 |
| COUNTRY Financial | $37 | $65 |
| Travelers | $46 | $80 |
| National General | $48 | $84 |
| Direct Auto | $49 | $86 |
| GEICO | $50 | $87 |
| Nationwide | $57 | $100 |
| Progressive | $61 | $107 |
| Farmers | $62 | $108 |
| Root | $62 | $98 |
| Clearcover | $72 | $126 |
| AssuranceAmerica | $77 | $135 |
| Foremost | $79 | $138 |
| Safeco | $87 | $142 |
| Bristol West | $91 | $159 |
| GAINSCO | $94 | $164 |
| Liberty Mutual | $153 | $268 |
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
Drivers between the ages of 35 and 75 tend to earn steadily decreasing car insurance rates as they age due to more experience behind the wheel than younger drivers. As senior drivers reach the age of 75 and older, they may face slightly increased insurance rates to account for new age-related risk factors.
Senior drivers in Enterprise pay, on average, $102 per month for full coverage and $40 for liability-only policies. Here are some of the cheapest coverage options for senior drivers in Enterprise.
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 | $25 | $48 |
| Auto-Owners | $26 | $48 |
| USAA | $26 | $49 |
| Allstate | $28 | $53 |
| COUNTRY Financial | $29 | $55 |
| Travelers | $34 | $66 |
| National General | $35 | $81 |
| Direct Auto | $37 | $93 |
| GEICO | $38 | $73 |
| Nationwide | $41 | $78 |
| Progressive | $42 | $81 |
| Farmers | $46 | $89 |
| Root | $50 | $79 |
| AssuranceAmerica | $56 | $109 |
| Clearcover | $60 | $101 |
| Foremost | $61 | $156 |
| Bristol West | $70 | $183 |
| Safeco | $71 | $126 |
| GAINSCO | $76 | $180 |
| Liberty Mutual | $123 | $186 |
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
Auto insurers typically view teenagers as high-risk drivers due to their lack of experience, and they charge higher premiums as a result. If you’re a teen driver, you can take these steps to keep your insurance costs manageable:
Stay on your parents’ insurance. Obtaining your own insurance policy is often more expensive than joining your parents’ policy.
Drive a safe car. Cars with several safety features are often cheaper to insure than cars without those features, so opting for a safe car is a good idea.
Take advantage of discounts. Insurers often offer good student discounts for maintaining a certain GPA.
Car insurance rates for teenage drivers in Enterprise average $255 for full coverage and $101 for minimum coverage. Here are the cheapest auto insurers for teen drivers in Enterprise.
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 | $57 | $55 |
| USAA | $60 | $49 |
| Auto-Owners | $61 | $48 |
| State Farm | $62 | $48 |
| Allstate | $68 | $53 |
| GEICO | $85 | $73 |
| Travelers | $88 | $66 |
| Direct Auto | $95 | $93 |
| National General | $99 | $81 |
| Root | $99 | $79 |
| Nationwide | $105 | $78 |
| Progressive | $113 | $81 |
| Farmers | $115 | $89 |
| Clearcover | $140 | $101 |
| Foremost | $148 | $156 |
| AssuranceAmerica | $149 | $109 |
| Bristol West | $163 | $183 |
| GAINSCO | $172 | $180 |
| Safeco | $176 | $126 |
| Liberty Mutual | $278 | $186 |
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.
Find Car Insurance in Enterprise
Unlock savings and discounts when you compare rates through Insurify
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Enterprise car insurance quotes by credit tier
Your credit score can affect the cost of your car insurance policy in Alabama. In general, drivers with excellent or good credit scores can get cheaper auto coverage than those with poor credit scores.
Below, you can find the average quotes for full-coverage car insurance in Enterprise by 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 Enterprise?
Drivers in Enterprise pay less for car insurance than the average cost of coverage in Alabama. A full-coverage policy averages $134 per month in Enterprise, while drivers pay around $53 for liability insurance. The state-level averages for Alabama are $143 for full coverage and $60 for minimum-coverage policies.
The city of Enterprise is a mix of rural and suburban areas, which may partially explain why residents benefit from affordable rates. Having fewer cars and people in an area creates less of a risk of auto accidents.
More cities in Alabama
Enterprise ranks 21st in population size in Alabama, and its car insurance rates reflect its smaller size. Here's now Enterprise's car insurance rates compare to averages in other Alabama cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auburn | $138 | $59 |
| Birmingham | $164 | $67 |
| 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. Actual quotes may vary based on the policy buyer's unique driver profile.
Enterprise, Alabama, car insurance FAQs
Finding the right amount of coverage from an insurer that understands your needs doesn’t have to feel overwhelming. The following information can help you navigate your remaining questions about auto coverage in Enterprise.
How much is car insurance in Enterprise?
Enterprise drivers pay an overall average of $93 per month for car insurance. Full-coverage insurance averages $134 per month, and liability-only coverage is $53 per month, according to Insurify data. Your specific rate depends on your driving record, credit history, age, coverage amount, vehicle, and more.
What are the cheapest car insurance companies in Enterprise?
Auto-Owners has the cheapest car insurance rates in Enterprise, with liability-only policies as low as $64 per month. Enterprise drivers can also find affordable rates with the city's second- and third-cheapest companies, USAA and State Farm. Their liability-only rates start at $64 and $65, respectively.
What are the best car insurance companies in Enterprise?
The best car insurance company in Enterprise is State Farm. The company has a high 4.4 Insurify Quality (IQ) Score, solid J.D. Power rankings, and an A++ (Superior) financial strength rating from AM Best. Other top insurers include USAA and Auto-Owners.
Is Alabama a no-fault state?
No. Alabama is an at-fault state. If you cause an accident, you need to cover any medical expenses and vehicle repairs for the other driver and their passengers.
How much coverage do you need in Alabama?
To drive legally in Alabama, you must carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
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 Business Magazine. "How liability car insurance can protect you."
- Alabama Department of Revenue. "What are the insurance requirements?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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