120+ more*Quotes generated for Insurify users in and around Dothan, Alabama within the last 10 days. Last updated on October 4, 2026. 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 October 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
State-minimum car insurance costs $63 per month in Dothan, Alabama, while full coverage costs $116. Auto insurance typically costs more in other Alabama cities.
For example, Montgomery drivers pay around $80 per month for liability coverage and $159 per month for full coverage. In nearby Enterprise, drivers pay $63 per month for liability coverage and $141 per month for full coverage.
One potential reason why car insurance costs less in Dothan than in other Alabama cities is a lower population density. Dothan has around 791 people per square mile, compared to 927 per square mile in Enterprise and 1,255 per square mile in Montgomery.[1]
National General offers the cheapest car insurance in Dothan, averaging $35 per month for liability coverage.
The average monthly cost for liability-only car insurance in Dothan is $63. That’s slightly cheaper than Alabama’s statewide liability-only average cost of $66 per month.
Alabama law requires all drivers to meet the following minimum insurance requirements:[2]
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$25,000 in property damage liability per accident
The following table shows the cheapest liability-only auto insurance rates in Dothan.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $35 |
| Auto-Owners | $38 |
| Progressive | $38 |
| USAA | $38 |
| State Farm | $39 |
| Allstate | $40 |
| Country Financial | $42 |
| Direct Auto | $44 |
| AssuranceAmerica | $48 |
| Excepsure | $48 |
| First Acceptance | $50 |
| Travelers | $52 |
| The General | $53 |
| Trexis | $56 |
| GEICO | $57 |
| Bristol West | $61 |
| GAINSCO | $61 |
| Hugo | $68 |
| Farmers | $70 |
| Safeco | $74 |
| Dairyland | $80 |
| Insurify Car | $83 |
| Root | $96 |
| Liberty Mutual | $105 |
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Alabama drivers can find the cheapest auto coverage with National General, at $78 per month.
Full-coverage car insurance averages about $116 per month in Dothan. That’s about 19% cheaper than the statewide full-coverage average cost of $142 per month.
Around 34% of Dothan drivers have a car loan or lease, according to Insurify data. Lenders typically require these drivers to have full coverage. Dothan also has a severe wind risk, with hurricanes posing the biggest threat.[3] A full-coverage policy that includes comprehensive coverage can help pay for any hurricane damage to your car.
The table below shows the cheapest full-coverage auto insurance rates in Dothan.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $78 |
| Auto-Owners | $81 |
| State Farm | $81 |
| USAA | $81 |
| Allstate | $87 |
| Progressive | $87 |
| Country Financial | $89 |
| Direct Auto | $96 |
| AssuranceAmerica | $106 |
| Travelers | $111 |
| GEICO | $121 |
| The General | $126 |
| Trexis | $138 |
| Safeco | $142 |
| Bristol West | $150 |
| Farmers | $150 |
| First Acceptance | $153 |
| Root | $158 |
| GAINSCO | $167 |
| Liberty Mutual | $178 |
| Dairyland | $191 |
Dothan is the cheapest city in Alabama for car insurance, with an average monthly cost of $90. Drivers in Birmingham pay the highest premiums, at around $123 per month. In nearby Enterprise, drivers pay an average of $102 per month.
Car insurance in Dothan is relatively inexpensive for several reasons. Car theft rates are low, with just 98 thefts in the first half of 2025, according to National Insurance Crime Bureau (NICB) data. Dothan’s location a couple of hours from the Gulf Coast puts it at a low flood risk. Other Alabama cities, like Mobile, have severe flood risks, which can increase car insurance costs.
The following table shows the average monthly cost of car insurance in various Alabama cities.
City | Average Monthly Quote |
|---|---|
| Decatur | $94 |
| Auburn | $99 |
| Enterprise | $102 |
| Madison | $102 |
| Oxford | $103 |
| Huntsville | $104 |
| Tuscaloosa | $109 |
| Daphne | $113 |
| Montgomery | $120 |
| Mobile | $121 |
| Birmingham | $123 |
*Quotes generated for Insurify users in and around Dothan, Alabama within the last 10 days. Last updated on October 4, 2026. 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 October 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history can affect how much you pay for car insurance in Dothan. Violations on your record can increase your rates. Below are the cheapest companies for Dothan drivers by driving record.
Cheapest car insurance for Dothan drivers with a clean driving record: National General
Cheapest car insurance for drivers with a speeding ticket in Dothan: National General
Cheapest car insurance for Dothan drivers with an at-fault accident: National General
Cheapest car insurance for drivers with a DUI in Dothan: National General
If you’re one of the 4.6% of Dothan drivers with an at-fault accident, 4.6% with a speeding ticket, or 0.5% with a DUI, according to Insurify data, you may pay more for car insurance.
Alabama is an at-fault state, which means the driver who causes the accident must pay for any resulting damages or injuries. Insurance companies consider a driver with an at-fault accident on their record as high risk and generally charge them higher premiums.
The Alabama Office of Highway Safety (AOHS) plans DUI enforcement campaigns around the state, including in Dothan. These campaigns include a statewide “Drive Sober or Get Pulled Over” program in partnership with the National Highway Traffic Safety Administration (NHTSA) to educate drivers about the dangers of drunk driving.
The table below shows average monthly quotes in Dothan by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $90 |
| Speeding ticket | $120 |
| At-fault accident | $126 |
| DUI | $125 |
Dothan has a low flood risk, though flooding is possible along Poplar Spring Branch, Rocky Branch, and Beaver Creek.[4] Drive carefully in wet weather — especially on E Main Street between Columbia Highway and 6th Avenue, and on U.S. Route 84 between Wise Drive and Loftin Road.
Every November, around 200,000 people attend the National Peanut Festival in Dothan. This 10-day festival, which dates back to 1938 and to Dr. George Washington Carver, includes a parade, livestock shows, amusement rides, and concerts. Roads can be busier than usual during the festival, so plan accordingly.
Dothan has several bike routes that share lanes with motor vehicles. Be extra aware on state Route 52 between South Brannon Stand and Scott Roads and on North Park Avenue between U.S. Route 231 and Ross Clark Circle to prevent bicycle collisions.
Dothan has an average commute time of 20.4 minutes — far below the national average of 27.2 minutes, according to U.S. census data.
Watch for freight traffic on Dothan’s main arterial routes, including U.S. routes 231, 431, 84, and state Route 1. Freight congestion is especially common on Ross Clark Circle from Denton Road to U.S. Route 84 and U.S. Route 231 from Ross Clark Circle to Flynn Road.[5]
Freight traffic commonly uses the Ross Clark Circle loop as a bypass, which can contribute to congestion along this road.
Liability policies average $63/mo.
Around 23% of Dothan residents are younger than 18, according to the U.S. Census Bureau. The average monthly rate for Dothan teens is $124 per month for liability-only car insurance. That’s slightly cheaper than Alabama’s state average cost of $130 per month.
Alabama teens must be at least 15 to apply for a Stage I learner’s permit after passing a written exam.[6] At 16, teens can get a Stage II restricted license after passing a road skills exam, but they can’t drive between midnight and 6 a.m. At 17, teens can get a regular license.
Below, we highlight the cheapest insurers for teenage drivers in Dothan.
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $69 |
| National General | $71 |
| USAA | $72 |
| Progressive | $75 |
| State Farm | $78 |
| Allstate | $79 |
| Auto-Owners | $79 |
| Direct Auto | $89 |
| Excepsure | $94 |
| First Acceptance | $98 |
| The General | $99 |
| AssuranceAmerica | $102 |
| GEICO | $107 |
| Trexis | $110 |
| GAINSCO | $111 |
| Travelers | $111 |
| Bristol West | $112 |
| Hugo | $134 |
| Dairyland | $143 |
| Farmers | $144 |
| Root | $151 |
| Safeco | $156 |
| Insurify Car | $163 |
| Liberty Mutual | $190 |
Around 19% of Dothan residents are age 65 or older — slightly higher than the national average of 18%. The average cost of liability-only car insurance for senior drivers in Dothan is $57 per month.
Dothan drivers aged 55 and older can reduce their rates by completing an accident prevention course.[7] The discount lasts for three years, though insurers may require you to remain free of accidents and moving violations.
The following table shows the cheapest rates for senior drivers in Dothan, with National General offering the lowest rates.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $28 |
| Auto-Owners | $31 |
| State Farm | $31 |
| USAA | $32 |
| Country Financial | $34 |
| Progressive | $34 |
| Allstate | $36 |
| Direct Auto | $37 |
| AssuranceAmerica | $38 |
| Travelers | $43 |
| Excepsure | $43 |
| First Acceptance | $45 |
| The General | $46 |
| GEICO | $46 |
| Trexis | $51 |
| Bristol West | $52 |
| GAINSCO | $54 |
| Farmers | $57 |
| Hugo | $61 |
| Safeco | $66 |
| Dairyland | $69 |
| Insurify Car | $75 |
| Liberty Mutual | $89 |
| Root | $90 |
Understanding these questions and answers can help you find the best car insurance coverage in Dothan for your coverage needs and budget.
Car insurance in Dothan, Alabama, averages $90 per month. Drivers pay $63 per month for liability coverage and $116 per month for full coverage.
National General has the cheapest car insurance in Dothan, costing around $35 per month for liability-only coverage. Request a quote from several insurers to compare costs and get the best coverage. Bundling your car insurance with home or renters insurance and looking for car insurance discounts can help you save even more.
You won’t find one company that’ll be the best for every Dothan driver. When it comes to affordability, though, National General, USAA, and Auto-Owners are among the best car insurance companies for Dothan drivers.
Your age, gender, and ZIP code can all affect car insurance rates in Dothan. Dothan’s relatively affordable rates may also reflect local factors, including its lower population density, low car theft rate, low flood risk, and shorter average commute.
Alabama drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. They must also have at least $25,000 in property damage liability coverage per accident.
Insurify data scientists analyzed more than 250 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 500+ 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:
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
