Cheap Auto Insurance in Enterprise, Alabama (2026)
National General offers the cheapest car insurance in Enterprise, with minimum-coverage policies as low as $37 per month.
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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 $59 per month, and full coverage costs $127. By comparison, the state averages for liability-only and full-coverage car insurance are $67 and $142, respectively.
Multiple factors contribute to Enterprise’s lower car insurance costs, including the city’s comparatively small and low population density and the distance from the Gulf of Mexico that lowers storm damage risk.
Here’s what you should know about getting cheap car insurance in Enterprise.
Quick Facts
USAA, National General, and State Farm are the cheapest car insurance companies in Enterprise.
The overall average cost of car insurance in Enterprise is $1,116 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.
Here are three of the best insurers offering quality coverage in Enterprise.
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 | 8.2 | $93 | $44 | Cheap rates |
| State Farm | 9.3 | $94 | $94 | Young drivers |
| USAA | 9.1 | $93 | $44 | Military members |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise 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 55,000 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 cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $39/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. | $83/mo |
4.3
Best choiceBased on 337 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 | 4.0 |
|---|---|
| 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. | 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. | $39/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. | $83/mo |
4.0
Best choiceBased on 18,020 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 40 Alabama reviews for Enterprise driversSee all 7,538 State Farm reviews
Verified Review
Reviewed in Alabama on May 9, 2026
Check out other carriers and compare. Do this often. State Farm has always been a good insurer, but in recent years they seem to be having problems. They pulled out of Florida and seem to be having problems keeping the customer base they had developed. I hope they find their way to become a great company again.
Verified Review
Reviewed in Alabama on May 4, 2026
I have nothing but good things to say and have had nothing but good experiences with them.
Verified Review
Reviewed in Alabama on April 6, 2026
No problems - multiple vehicles covered, decades-long customers.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | 9.1 /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. | $39/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. | $82/mo |
4.9
Best choiceBased on 3,619 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 4 Alabama reviews for Enterprise driversSee all 1,572 USAA reviews
Verified Review
Reviewed in Alabama on March 20, 2026
Great! And the rate is better than any other has offered.
Verified Review
Reviewed in Alabama on November 11, 2025
So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.
Verified Review
Reviewed in Alabama on November 8, 2025
USAA constantly doubles rates for no reason. I feel they are a scam. I just got a quote for greater coverage for 1/3 the cost from a major carrier.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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.
Choose a safer car. Vehicles with strong safety records and advanced safety features are typically cheaper to insure, given the lower rate of serious accidents.
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: National General
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 in Enterprise, AL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $37 |
| Auto-Owners | $39 |
| State Farm | $39 |
| USAA | $39 |
| Allstate | $43 |
| Country Financial | $44 |
| Progressive | $45 |
| Direct Auto | $46 |
| AssuranceAmerica | $54 |
| First Acceptance | $54 |
| The General | $54 |
| Travelers | $54 |
| Trexis | $56 |
| GEICO | $58 |
| Bristol West | $63 |
| GAINSCO | $66 |
| Nationwide | $66 |
| Farmers | $72 |
| Safeco | $78 |
| Dairyland | $86 |
| Root | $90 |
| Liberty Mutual | $116 |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Enterprise: USAA
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, theft, 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 in Enterprise, AL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $82 |
| USAA | $82 |
| Auto-Owners | $83 |
| State Farm | $83 |
| Allstate | $89 |
| Country Financial | $91 |
| Direct Auto | $96 |
| Progressive | $98 |
| Travelers | $113 |
| AssuranceAmerica | $114 |
| GEICO | $123 |
| The General | $124 |
| Nationwide | $140 |
| Safeco | $140 |
| Trexis | $140 |
| Root | $142 |
| Farmers | $153 |
| First Acceptance | $154 |
| Bristol West | $156 |
| GAINSCO | $173 |
| Liberty Mutual | $180 |
| Dairyland | $218 |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Enterprise, Alabama drivers
Recent Enterprise, Alabama car insurance prices for Chevrolet, Lexus, Nissan, and more.
*Quotes generated for Insurify users in and around Enterprise, Alabama within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 14, 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 May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 14, 2026. 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 $82/mo.
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Cheapest car insurance for drivers with a speeding ticket: National General
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 $170 for full coverage and $79 for liability-only policies. The following companies offer the cheapest liability-only coverage for Enterprise drivers with speeding tickets.
The below rates in Enterprise, AL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| National General | $37 | $48 |
| State Farm | $39 | $51 |
| USAA | $39 | $52 |
| Auto-Owners | $39 | $53 |
| Allstate | $43 | $58 |
| Direct Auto | $46 | $60 |
| Progressive | $45 | $60 |
| Country Financial | $44 | $62 |
| AssuranceAmerica | $54 | $71 |
| First Acceptance | $54 | $72 |
| Travelers | $54 | $73 |
| The General | $54 | $75 |
| Trexis | $56 | $75 |
| GEICO | $58 | $79 |
| GAINSCO | $66 | $82 |
| Bristol West | $63 | $82 |
| Nationwide | $66 | $89 |
| Farmers | $72 | $96 |
| Safeco | $78 | $106 |
| Dairyland | $86 | $111 |
| Root | $90 | $124 |
| Liberty Mutual | $116 | $153 |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: National General
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 $175 per month for full coverage and $81 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 in Enterprise, AL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| National General | $37 | $50 |
| Auto-Owners | $39 | $53 |
| State Farm | $39 | $53 |
| USAA | $39 | $54 |
| Allstate | $43 | $59 |
| Country Financial | $44 | $62 |
| Progressive | $45 | $62 |
| Direct Auto | $46 | $64 |
| AssuranceAmerica | $54 | $73 |
| Travelers | $54 | $75 |
| First Acceptance | $54 | $75 |
| The General | $54 | $76 |
| Trexis | $56 | $77 |
| GEICO | $58 | $78 |
| Bristol West | $63 | $85 |
| GAINSCO | $66 | $87 |
| Nationwide | $66 | $91 |
| Farmers | $72 | $99 |
| Safeco | $78 | $111 |
| Dairyland | $86 | $116 |
| Root | $90 | $124 |
| Liberty Mutual | $116 | $158 |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: National General
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 in Enterprise, AL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| National General | $37 | $53 |
| Auto-Owners | $39 | $56 |
| State Farm | $39 | $56 |
| USAA | $39 | $56 |
| Allstate | $43 | $62 |
| Country Financial | $44 | $62 |
| Progressive | $45 | $65 |
| Direct Auto | $46 | $66 |
| The General | $54 | $75 |
| AssuranceAmerica | $54 | $78 |
| Travelers | $54 | $78 |
| First Acceptance | $54 | $78 |
| Trexis | $56 | $81 |
| GEICO | $58 | $83 |
| Bristol West | $63 | $91 |
| GAINSCO | $66 | $95 |
| Nationwide | $66 | $95 |
| Farmers | $72 | $104 |
| Safeco | $78 | $119 |
| Dairyland | $86 | $124 |
| Root | $90 | $131 |
| Liberty Mutual | $116 | $167 |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: National General
Drivers between the ages of 35 and 75 may see 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, $114 per month for full coverage and $53 for liability-only policies. Here are some of the cheapest coverage options for senior drivers in Enterprise.
The below rates in Enterprise, AL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| National General | $30 | $66 |
| State Farm | $31 | $67 |
| Auto-Owners | $32 | $67 |
| USAA | $32 | $68 |
| Allstate | $36 | $74 |
| Country Financial | $36 | $74 |
| Direct Auto | $39 | $81 |
| Progressive | $41 | $88 |
| AssuranceAmerica | $43 | $91 |
| Travelers | $44 | $92 |
| The General | $47 | $108 |
| GEICO | $47 | $100 |
| First Acceptance | $49 | $139 |
| Trexis | $50 | $126 |
| Nationwide | $52 | $110 |
| Bristol West | $54 | $133 |
| GAINSCO | $58 | $151 |
| Farmers | $58 | $124 |
| Safeco | $70 | $125 |
| Dairyland | $75 | $189 |
| Root | $77 | $121 |
| Liberty Mutual | $99 | $153 |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: National General
Auto insurers 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 and completing a driver education course.
Car insurance rates for teenage drivers in Enterprise average $253 for full coverage and $117 for minimum coverage. Here are the cheapest auto insurers for teen drivers in Enterprise.
The below rates in Enterprise, AL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Country Financial | $75 | $74 |
| USAA | $76 | $68 |
| National General | $77 | $66 |
| State Farm | $79 | $67 |
| Auto-Owners | $83 | $67 |
| Allstate | $89 | $74 |
| Progressive | $90 | $88 |
| Direct Auto | $93 | $81 |
| The General | $102 | $108 |
| First Acceptance | $107 | $139 |
| GEICO | $110 | $100 |
| Trexis | $111 | $126 |
| AssuranceAmerica | $117 | $91 |
| Bristol West | $117 | $133 |
| Travelers | $117 | $92 |
| GAINSCO | $124 | $151 |
| Nationwide | $135 | $110 |
| Farmers | $150 | $124 |
| Dairyland | $157 | $189 |
| Root | $164 | $121 |
| Safeco | $165 | $125 |
| Liberty Mutual | $213 | $153 |
Disclaimer: Table data sourced from real-time Enterprise car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Enterprise may vary based on the policy buyer's unique driver profile.
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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
Category | Price |
|---|---|
| Excellent | $163 |
| Good | $193 |
| Fair | $212 |
| Poor | $329 |
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 $127 per month in Enterprise, while drivers pay around $59 for liability insurance. The state-level averages for Alabama are $142 for full coverage and $67 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 | $125 | $64 |
| Birmingham | $168 | $78 |
| Huntsville | $137 | $67 |
| Madison | $129 | $68 |
| Mobile | $160 | $74 |
| Montgomery | $158 | $76 |
| Tuscaloosa | $150 | $70 |
Disclaimer: Table data is based on real-time Enterprise quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $127 per month, and liability-only coverage is $59 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?
USAA has the cheapest car insurance rates in Enterprise, with liability-only policies as low as $82 per month. Enterprise drivers can also find affordable rates with the city's second- and third-cheapest companies, National General and State Farm. Their liability-only rates start at $82 and $83, 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.
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?."
Methodology
Insurify data scientists analyzed more than 190 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:
- 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.
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
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Licensed auto and home insurance agent
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego