120+ more*Quotes generated for Insurify users in and around Enterprise, Alabama within the last 10 days. Last updated on October 23, 2026. 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 October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Car insurance in Enterprise, Alabama, costs an average of $63 per month for liability coverage and $141 per month for full coverage. These rates are similar to the state averages of $66 per month for liability coverage and $142 per month for full coverage.
Car insurance rates are higher in major Alabama cities like Montgomery, Mobile, Huntsville, and Birmingham for liability-only coverage and, in most cases, full coverage. Dothan, which has a lower population density than Enterprise, has lower average rates for liability-only and full coverage.
Multiple factors lead to lower car insurance rates in Enterprise compared to other, larger cities in the state, including Enterprise’s significantly lower population density, less-trafficked roadways, and inland location that eliminates some hurricane risks.
National General has the cheapest car insurance in Enterprise that meets Alabama’s car insurance requirements, with an average monthly rate of $39 for liability coverage. The average monthly liability-only rate in Enterprise is $63, for comparison.
At a minimum, your Enterprise car insurance policy must meet these requirements:[1]
$25,000 in bodily injury liability coverage for one person per accident
$50,000 in bodily injury liability coverage for all injuries/deaths per accident
$25,000 in property damage liability coverage per accident
The table below shows the insurers offering the cheapest liability-only insurance in Enterprise:
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $39 |
| Auto-Owners | $43 |
| Progressive | $43 |
| USAA | $43 |
| State Farm | $44 |
| Allstate | $45 |
| Country Financial | $47 |
| Direct Auto | $50 |
| Excepsure | $54 |
| AssuranceAmerica | $55 |
| First Acceptance | $57 |
| Travelers | $59 |
| The General | $60 |
| Trexis | $64 |
| GEICO | $65 |
| GAINSCO | $69 |
| Bristol West | $70 |
| Hugo | $77 |
| Farmers | $79 |
| Safeco | $83 |
| Dairyland | $90 |
| Insurify Car | $94 |
| Root | $109 |
| Liberty Mutual | $119 |
Insurify Car makes it affordable and easy to get same-day liability coverage
National General has the cheapest full-coverage auto insurance in Enterprise, at an average monthly rate of $88. The overall average price for full coverage in Enterprise is $141 per month.
While Enterprise isn’t on the coast, the city still faces severe wind threats during hurricane season. High winds, hail, and fallen objects can damage your car. That makes full coverage, which includes comprehensive insurance and collision insurance, a good option if you own a car in Enterprise.
The table below shows which insurers offer the lowest average rates for full-coverage car insurance in Enterprise:
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $88 |
| Auto-Owners | $92 |
| State Farm | $92 |
| USAA | $92 |
| Allstate | $98 |
| Progressive | $99 |
| Country Financial | $101 |
| Direct Auto | $109 |
| AssuranceAmerica | $121 |
| Travelers | $126 |
| GEICO | $137 |
| The General | $143 |
| Trexis | $156 |
| Safeco | $161 |
| Bristol West | $170 |
| Farmers | $170 |
| First Acceptance | $174 |
| Root | $179 |
| GAINSCO | $189 |
| Liberty Mutual | $202 |
| Dairyland | $217 |
While it’s easy to find cheap Enterprise car insurance, rates are cheaper in nearby Dothan, with an average monthly rate of $90 compared to $102 in Enterprise. Birmingham is the most expensive city in Alabama that Insurify analyzed, at an average of $123 per month.
Notably, these rates are still lower than the national average cost of $143 per month.
Enterprise is on the cheaper end of auto insurance costs for Alabama drivers, which may be partly due to its lower population density and lighter traffic compared to other major cities in the state. Enterprise also sits away from Alabama’s major interstate corridors, unlike cities such as Birmingham and Montgomery.
Coffee County has fewer traffic fatalities per 100,000 people than many other major Alabama counties, per data from the National Highway Traffic Safety Administration. Living in a city with fewer fatal and severe crashes often results in lower car insurance rates.
The table below shows average monthly car insurance rates in cities across Alabama for comparison:
City | Average Monthly Quote |
|---|---|
| Columbus | $98 |
| Tupelo | $99 |
| Meridian | $104 |
| Oxford | $108 |
| Hattiesburg | $115 |
| Madison | $117 |
| Olive Branch | $117 |
| Southaven | $119 |
| Jackson | $128 |
*Quotes generated for Insurify users in and around Enterprise, Alabama within the last 10 days. Last updated on October 23, 2026. 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 October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you have an incident on your driving record, you’ll likely pay more for auto insurance in Enterprise. These are the insurers with the lowest average rates depending on your driving record:
Cheapest car insurance for Enterprise drivers with a clean driving record: National General
Cheapest car insurance for drivers with a speeding ticket in Enterprise: National General
Cheapest car insurance for Enterprise drivers with an at-fault accident: National General
Cheapest car insurance for drivers with a DUI in Enterprise: National General
Your driving history can affect how much you pay for car insurance in Enterprise. Unsurprisingly, you’ll get the most affordable car insurance in Enterprise if you have a clean record. If you have a recent speeding ticket, at-fault accident, or driving under the influence (DUI) conviction, you’ll pay more for coverage.
About 4.5% of Enterprise drivers have an accident on their driving record, while 5.7% have a speeding ticket, according to Insurify data. Far fewer drivers in Enterprise have a DUI (0.6%).
The state government is actively working to reduce traffic violations and improve roadway safety, including efforts targeting high-risk drivers in Alabama.
In 2025, Alabama Gov. Kay Ivey awarded Enterprise State Community College five grants totaling approximately $1.6 million. This money funds the Southeast Alabama Community Highway Safety Office, as well as projects designed to improve “data-driven and high-visibility traffic enforcement” in Coffee County and other nearby counties.[2]
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $102 |
| Speeding ticket | $136 |
| At-fault accident | $142 |
| DUI | $143 |
Here’s what you need to know about driving in Enterprise:
Commute patterns: The average commuter in Enterprise drives about 20 minutes to work.[3] While the workforce is distributed throughout the city, nearby Fort Rucker (formerly Novosel) is one of the biggest employers in Alabama. Civilians, contractors, and military members who commute from Enterprise to Fort Rucker may face rush-hour traffic in the morning and evening.
Weather: During hurricane season, you might encounter heavy winds while driving in Enterprise. Exercise caution on the road, and store your car in covered parking, if possible, to avoid damage from fallen objects and hail.
Boll Weevil: The Boll Weevil Monument, a popular attraction for tourists, interrupts the typical traffic pattern on Main Street since it’s located in the middle of a major intersection. Locals are used to this, but it can catch visitors by surprise. If you’re driving around Enterprise but don’t need to go downtown, you can bypass local traffic on the Boll Weevil Circle.
Compared to larger Alabama cities situated along major interstates, Enterprise sees low to moderate amounts of traffic and has a low average commute time (roughly 20 minutes). Less congestion and less time spent on the road reduce the risk of collisions and help keep Enterprise car insurance rates more affordable.
A Fort Rucker report found that an average of nearly 28,000 vehicles pass through Boll Weevil Circle per day. Larger interstates, which avoid Enterprise but cut through cities like Birmingham and Montgomery, have daily totals between 30,000 and 175,000 vehicles.
That doesn’t mean Enterprise’s roadways don’t pose any risks. In May 2026, the city announced it was moving forward with safety improvements to the intersection of State Route 167 and Salem Road. This intersection has long been responsible for recurring traffic incidents.[4]
Liability policies average $63/mo.
Teen drivers in Enterprise pay more for car insurance than any other age group. The average rate for liability-only coverage for Enterprise teens is $124 per month. National General has the lowest average rates, at $79 per month.
New teen drivers in Enterprise must abide by Alabama’s nighttime restrictions and passenger limits. That means no driving from midnight to 6 a.m. and only one passenger (outside of family members) at a time. These restrictions end when the driver turns 17 and has had their license for at least six months.[5]
The table below shows liability-only quotes for teen drivers in Enterprise:
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $77 |
| National General | $79 |
| USAA | $81 |
| Progressive | $85 |
| State Farm | $88 |
| Allstate | $89 |
| Auto-Owners | $89 |
| Direct Auto | $101 |
| Excepsure | $106 |
| The General | $112 |
| First Acceptance | $112 |
| AssuranceAmerica | $117 |
| GEICO | $122 |
| GAINSCO | $125 |
| Travelers | $126 |
| Trexis | $126 |
| Bristol West | $128 |
| Hugo | $151 |
| Dairyland | $161 |
| Farmers | $162 |
| Root | $172 |
| Safeco | $175 |
| Insurify Car | $185 |
| Liberty Mutual | $216 |
About 15% of Enterprise residents are 65 or older, compared with 19.4% of Alabama residents overall, according to U.S. census data.
Drivers in their 60s pay the lowest average car insurance rates in Enterprise, at $57 per month for liability-only coverage. National General has the lowest average rates, at $31 per month.
Seniors who choose to live and retire in Enterprise can find the cheapest liability-only coverage with the following car insurance companies:
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $31 |
| Auto-Owners | $35 |
| State Farm | $35 |
| USAA | $36 |
| Country Financial | $38 |
| Progressive | $39 |
| Allstate | $41 |
| Direct Auto | $42 |
| AssuranceAmerica | $44 |
| Travelers | $48 |
| Excepsure | $49 |
| First Acceptance | $51 |
| The General | $52 |
| GEICO | $53 |
| Trexis | $58 |
| Bristol West | $60 |
| GAINSCO | $60 |
| Farmers | $64 |
| Hugo | $69 |
| Safeco | $74 |
| Dairyland | $78 |
| Insurify Car | $85 |
| Liberty Mutual | $101 |
| Root | $102 |
Learn more about auto insurance in Enterprise with these commonly asked questions.
On average, car insurance in Enterprise, AL, costs $63 per month for liability-only coverage and $141 per month for full coverage, according to Insurify data.
The cheapest car insurance companies in Enterprise, Alabama, are National General, USAA, and Auto-Owners. Their monthly liability rates average $39, $43, and $43, respectively. You can use an online insurance marketplace or work with an independent insurance agent to find the lowest rates.
Several factors can affect car insurance costs in Enterprise, AL, including your driving record, age, gender, the kind of car you drive, and where within Enterprise you live. Annual mileage also plays a role in your rate. If you live in Enterprise and commute to Fort Rucker, you may have a higher rate than you would if you lived and worked in Enterprise.
At a minimum, the state of Alabama requires you to have $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 in property damage liability. Many drivers may find this isn’t enough coverage.
And if you’re among the 33.2% of Alabamians who finance or lease a car, according to Insurify data, your lender will typically require you to carry comprehensive coverage and collision coverage.
Most car insurance companies in Mississippi offer a variety of discounts. Common discounts include savings for safety features, bundling policies, maintaining good grades, and completing a defensive driving program. Ask your insurance agent which discounts you might qualify for.
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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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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.
