10+ years writing insurance and personal finance topics
Former associate finance editor for Investopedia
Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.
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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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 $96 per month, and full coverage costs $163. By comparison, the state averages for liability-only and full-coverage car insurance are $141 and $238, 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.
Auto-Owners, USAA, and State Farm are among the best and cheapest insurers in Enterprise, but several companies offer affordable coverage. Here’s what you should know about getting cheap car insurance in Enterprise.
Quick Facts
Alabama insurers can consider your credit history when determining your premium.[1]
The overall average cost of car insurance in Enterprise is $130 per month, according to Insurify data.
Alabama is an at-fault state, which means you’ll need to cover the costs of the other driver’s medical bills and other losses if you cause an accident.
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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.
Here are three of the best insurers offering quality coverage in Enterprise.
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.
4.1
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.
$31/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.
$56/mo
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 A.M. 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
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
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.
4.4
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.
$31/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.
$57/mo
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 A.M. 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
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
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.
880
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.
$30/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.
$56/mo
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 A.M. 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
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
Cheapest liability-only car insurance in Enterprise
You can typically find the lowest rates for a liability-only policy. Liability coverage protects you if you cause an auto accident and injure the other driver or damage their vehicle.[2] 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.
Insurance Company
Average Monthly Quote
Auto-Owners
$61
USAA
$61
State Farm
$61
Allstate
$65
COUNTRY Financial
$68
Travelers
$97
AssuranceAmerica
$75
GEICO
$91
Clearcover
$119
Safeco
$87
Direct Auto
$102
Progressive
$84
Farmers
$112
Foremost
$91
National General
$91
Liberty Mutual
$182
State Auto
$92
Bristol West
$194
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Enterprise
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.
Insurance Company
Average Monthly Quote
Auto-Owners
$96
USAA
$96
State Farm
$97
Allstate
$103
COUNTRY Financial
$106
Travelers
$125
AssuranceAmerica
$126
GEICO
$143
Clearcover
$149
Safeco
$154
Direct Auto
$157
Nationwide
$175
Progressive
$176
Farmers
$177
Foremost
$185
National General
$199
Liberty Mutual
$230
State Auto
$236
Bristol West
$359
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.
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.
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.[4]
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Cheapest car insurance for drivers with a speeding ticket
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.
The following companies offer the cheapest coverage for Enterprise drivers with speeding tickets.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
$149
$95
USAA
$149
$95
State Farm
$151
$95
Allstate
$161
$102
COUNTRY Financial
$165
$106
Travelers
$196
$152
AssuranceAmerica
$197
$117
GEICO
$223
$142
Clearcover
$232
$186
Safeco
$241
$136
Direct Auto
$244
$159
Nationwide
$273
#N/A
Progressive
$275
$130
Farmers
$276
$174
Foremost
$288
$142
National General
$311
$142
Liberty Mutual
$358
$283
State Auto
$369
$143
Bristol West
$561
$302
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
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.
Here’s what you can expect to pay for coverage in Enterprise with a past accident on your record.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
$149
$95
USAA
$149
$95
State Farm
$151
$95
Allstate
$161
$102
COUNTRY Financial
$165
$106
Travelers
$196
$152
AssuranceAmerica
$197
$117
GEICO
$223
$142
Clearcover
$232
$186
Safeco
$241
$136
Direct Auto
$244
$159
Nationwide
$273
#N/A
Progressive
$275
$130
Farmers
$276
$174
Foremost
$288
$142
National General
$311
$142
Liberty Mutual
$358
$283
State Auto
$369
$143
Bristol West
$561
$302
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
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 coverage for drivers with a DUI from auto insurers in Enterprise.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
$153
$97
USAA
$153
$97
State Farm
$154
$97
Allstate
$165
$105
COUNTRY Financial
$169
$108
Travelers
$201
$156
AssuranceAmerica
$202
$120
GEICO
$229
$146
Clearcover
$238
$191
Safeco
$247
$140
Direct Auto
$250
$163
Nationwide
$280
#N/A
Progressive
$282
$134
Farmers
$283
$179
Foremost
$295
$146
National General
$319
$146
Liberty Mutual
$367
$291
State Auto
$378
$147
Bristol West
$575
$310
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
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.
Here are some of the cheapest coverage options for senior drivers in Enterprise.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
$65
$41
USAA
$65
$41
State Farm
$66
$41
Allstate
$70
$44
COUNTRY Financial
$72
$46
Travelers
$85
$66
AssuranceAmerica
$86
$51
GEICO
$97
$62
Clearcover
$101
$81
Safeco
$105
$59
Direct Auto
$106
$69
Nationwide
$119
#N/A
Progressive
$120
$57
Farmers
$120
$76
Foremost
$126
$62
National General
$135
$62
Liberty Mutual
$156
$124
State Auto
$161
$63
Bristol West
$244
$132
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
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.
Here are the cheapest auto insurers for teen drivers in Enterprise.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
$184
$117
USAA
$184
$117
State Farm
$185
$117
Allstate
$198
$125
COUNTRY Financial
$203
$130
Travelers
$241
$187
AssuranceAmerica
$242
$144
GEICO
$274
$175
Clearcover
$286
$229
Safeco
$296
$168
Direct Auto
$301
$196
Nationwide
$336
#N/A
Progressive
$339
$161
Farmers
$340
$215
Foremost
$355
$175
National General
$382
$175
Liberty Mutual
$441
$349
State Auto
$454
$177
Bristol West
$690
$372
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.
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.[5]
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 costs $212 per month in Enterprise, while drivers pay around $92 for liability insurance. In Alabama, drivers pay $238 for full-coverage insurance and $141 for liability-only 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
Compared to other Alabama cities, Enterprise offers the cheapest auto insurance coverage in the state. Enterprise drivers pay around $212 a month for full-coverage insurance, while drivers in Bessemer and Mobile pay $286 and $276, respectively.
See how full-coverage quotes in other Alabama cities compare to Enterprise below.
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?
On average, Enterprise drivers pay $152 per month for car insurance. Full-coverage insurance costs $212 per month on average, and liability-only coverage is $92 per month. Your specific rate depends on your driving record, credit history, age, coverage amount, vehicle, and more.
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 A.M. 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
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.
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.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
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.
Auto-Owners
State Farm
USAA
