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.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
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  • Certified financial education instructor (CFEI)

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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated June 20, 2024

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Cheapest recent rates near Dothan, Alabama

Drivers in and around Dothan, Alabama have found policies from National General, Acceptance, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Dothan, Alabama within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $63 per month, while full coverage costs $150. By comparison, Alabama’s averages are $159 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 Dothan, 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 other big cities in Alabama. 

  • Auto-Owners, State Farm, and USAA have the cheapest car insurance rates in Dothan.

  • Dothan drivers pay an average of $1,276 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$69$37Affordable coverage
Bristol West5.2$288$120Drivers with a DUI
Auto-Owners8.5$69$37Young 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-5 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$65/mo

State Farm is the nation’s largest insurance company based on policies written, 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 company

  • Good driver discount available

Cons
  • Gap insurance coverage and accident forgiveness not available

  • No safe-driver program for drivers older than 25

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best insurer for drivers with a DUI: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.6
A.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
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.
$114/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.
$271/mo

Bristol West is a regional insurance company that specializes in writing policies for drivers who are more difficult to insure. 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 as a result.

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

  • No discounts listed on website

Read our Bristol West review
Pierre - June 18, 2024
Verified

Excellent

They are good. Go to them.

Carmen - June 10, 2024
Verified

Transparency

My insurance is $45.00 more expensive for the same coverage.

Mark - June 3, 2024
Verified

Better Than Average Institution

They work with you when your finances are tight.

Best insurer for young drivers: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$65/mo

Auto-Owners Insurance has been around 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 with Auto-Owners’ good student discount. This insurer also offers a Teen Driver Monitoring discount to reward young drivers after monitoring their driving habits.

Pros
  • Available discounts for teens and young drivers

  • Gap coverage and roadside assistance also available

Cons
  • Quotes not available online

  • Student-away discount is only available for students attending school more than 100 miles away

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

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 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 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 rates 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 $65 per month for full coverage

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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, 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 $63, and you can see the average monthly quote from area insurers in the table below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$35
State Farm$35
USAA$35
Allstate$38
COUNTRY Financial$38
Travelers$48
National General$50
GEICO$52
Direct Auto$55
Nationwide$59
Progressive$63
Farmers$64
Safeco$68
AssuranceAmerica$69
Clearcover$70
Foremost$81
Midvale Home & Auto$86
Liberty Mutual$98
Bristol West$114
GAINSCO$114
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 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 deductible if you need to file a claim. The average rate for full-coverage insurance in Dothan is $150.

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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$65
State Farm$65
USAA$65
Allstate$70
COUNTRY Financial$71
Travelers$88
GEICO$97
Nationwide$111
Safeco$113
National General$114
Progressive$118
Clearcover$120
Farmers$120
AssuranceAmerica$125
Direct Auto$132
Midvale Home & Auto$144
Liberty Mutual$172
State Auto$182
Foremost$199
GAINSCO$220
Bristol West$271
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 in and around Dothan, Alabama have found policies from Direct Auto, Acceptance, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Dothan, Alabama within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 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 self-propelled motor vehicles.[2] Drivers must be prepared to present proof of car insurance when visiting their licensing official’s office 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for fire, theft, vandalism, natural disasters, falling objects, and hitting deer or other wild animals.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    Also known as roadside assistance coverage, it pays for towing, changing a flat tire, and jump-starting your battery.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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. Speeding tickets or driving under the influence can also cause your rates to increase since these driving infractions may increase the chance of you filing an insurance claim in the future.

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: State Farm

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. 

On average, full coverage costs Dothan drivers with speeding tickets $238 per month; liability averages $100 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$35$48
State Farm$35$48
USAA$35$48
Allstate$38$52
COUNTRY Financial$38$53
Travelers$48$67
National General$50$68
GEICO$52$72
Direct Auto$55$76
Nationwide$59$82
Progressive$63$87
Farmers$64$88
Safeco$68$95
AssuranceAmerica$69$97
Clearcover$70$97
Foremost$81$122
Midvale Home & Auto$86$123
Liberty Mutual$98$148
Bristol West$114$156
GAINSCO$114$172
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 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 $247 per month for full coverage and $104 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$35$50
State Farm$35$50
USAA$35$51
Allstate$38$55
COUNTRY Financial$38$57
Travelers$48$70
National General$50$73
GEICO$52$75
Direct Auto$55$81
Nationwide$59$86
Progressive$63$92
Farmers$64$92
Safeco$68$96
AssuranceAmerica$69$100
Clearcover$70$107
Foremost$81$127
Midvale Home & Auto$86$131
Liberty Mutual$98$154
Bristol West$114$163
GAINSCO$114$159
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 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 rates from the included insurers compare against the area monthly liability average of $116 for drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$35$62
State Farm$35$62
USAA$35$62
Allstate$38$67
COUNTRY Financial$38$67
Travelers$48$85
National General$50$88
GEICO$52$92
Direct Auto$55$97
Nationwide$59$104
Progressive$63$111
Farmers$64$113
Safeco$68$120
AssuranceAmerica$69$122
Clearcover$70$124
Foremost$81$143
Midvale Home & Auto$86$152
Liberty Mutual$98$173
Bristol West$114$201
GAINSCO$114$201
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 age-related factors like vision, mobility, and cognitive issues can impair your driving abilities.

Car insurance for senior drivers in Dothan costs $45 for liability-only coverage and $108 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$25$47
Auto-Owners$26$48
USAA$26$48
COUNTRY Financial$28$52
Allstate$29$53
Travelers$35$64
National General$37$84
GEICO$39$72
Direct Auto$40$95
Nationwide$41$77
Progressive$42$79
Farmers$46$87
AssuranceAmerica$49$88
Clearcover$52$90
Safeco$52$86
Foremost$59$145
Midvale Home & Auto$61$103
Liberty Mutual$73$129
Bristol West$85$203
GAINSCO$88$170
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

Young drivers and teens have less experience and higher rates of accidents. 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.

In Dothan, car insurance for teenagers costs an overall monthly average of $196.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
COUNTRY Financial$57$106
USAA$59$110
State Farm$60$112
Auto-Owners$61$113
Allstate$68$124
GEICO$83$155
Travelers$88$161
National General$97$221
Direct Auto$102$244
Nationwide$102$193
Farmers$114$214
Progressive$115$216
AssuranceAmerica$130$235
Clearcover$138$236
Safeco$143$238
Foremost$146$358
Midvale Home & Auto$151$252
Liberty Mutual$183$322
Bristol West$197$468
GAINSCO$206$397
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 score 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 score, 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 $150, 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 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.

CityFull CoverageLiability Only
Auburn$159$61
Birmingham$187$70
Enterprise$119$59
Huntsville$153$64
Madison$158$62
Mobile$192$71
Montgomery$183$70
Tuscaloosa$177$65
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 youre 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 $106. If you’re looking for liability coverage, you can expect to pay about $63 per month. Full coverage averages $150 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 $65 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 $110 per month. The average monthly rate for liability coverage is $60, and for full coverage, the average rate is $159.

  • 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "How to save money on car insurance."
  2. Be Sure to Insure Alabama. "Alabama Insurance Checklist."
  3. Alabama Department of Insurance. "FAQs."
  4. Alabama Traffic Service Center. "ALABAMA TRAFFIC CALL CENTER GENERAL INFORMATION."
Choncé Maddox
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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