Cheap Auto Insurance in Enterprise, Alabama (2024)

Auto-Owners offers the cheapest car insurance in Enterprise, with minimum-coverage policies as low as $31 per month.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 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.

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Katie Powers
Edited byKatie Powers
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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.

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Updated July 25, 2024

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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 $57 per month, and full coverage costs $128. By comparison, the state averages for liability-only and full-coverage car insurance are $60 and $160, 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.

Here’s what you should know about getting cheap car insurance in Enterprise.

Quick Facts
  • Auto-Owners, USAA, and State Farm are the cheapest car insurance companies in Enterprise.

  • The overall average cost of car insurance in Enterprise is $1,111 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.

Insurance CompanyIQ 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 CoverageLiability OnlyBest For
Auto-Owners8.5$68$37Cheap rates
State Farm9.3$69$69Young drivers
USAA9.4$68$37Military members
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 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 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.

Here are three of the best insurers offering quality coverage in Enterprise.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
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.
8.5/10
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.
$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

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

Read more driver reviews of Auto-Owners
Paula - July 23, 2024
Verified

Auto Owners Review

They do not offer savings for low mileage!

Angela - July 23, 2024
Verified

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Best insurer for young drivers: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$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.
$58/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 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

Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$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

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

Read more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

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.

Cheapest liability-only car insurance in Enterprise: Auto-Owners

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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$31
State Farm$31
USAA$31
Allstate$34
COUNTRY Financial$35
Travelers$43
National General$46
GEICO$47
Direct Auto$48
Nationwide$53
Farmers$57
Progressive$57
Safeco$63
AssuranceAmerica$64
Clearcover$65
Foremost$74
Midvale Home & Auto$74
GAINSCO$95
Liberty Mutual$98
Bristol West$101
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: Auto-Owners

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$57
USAA$57
State Farm$58
Allstate$63
COUNTRY Financial$64
Travelers$79
GEICO$86
Nationwide$99
Safeco$103
National General$105
Progressive$106
Farmers$107
Clearcover$111
AssuranceAmerica$116
Direct Auto$119
Midvale Home & Auto$128
Liberty Mutual$167
Foremost$184
GAINSCO$203
Bristol West$243
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.

Here are the minimum car insurance requirements for Alabama drivers:[2]

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $25,000 per accident

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:

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

    Collision coverage

    Collision insurance provides coverage for vehicle damage and the repairs to your car from a covered accident.

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

    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.

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

    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]

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Cheapest car insurance for drivers with a speeding ticket: USAA

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 $204 for full coverage and $91 for liability-only policies. The following companies offer the cheapest liability-only coverage for Enterprise drivers with speeding tickets.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
Auto-Owners$31$43
State Farm$31$43
USAA$31$43
Allstate$34$47
COUNTRY Financial$35$49
Travelers$43$60
National General$46$63
GEICO$47$65
Direct Auto$48$67
Nationwide$53$74
Farmers$57$78
Progressive$57$79
Safeco$63$88
AssuranceAmerica$64$90
Clearcover$65$91
Foremost$74$112
Midvale Home & Auto$74$106
GAINSCO$95$143
Liberty Mutual$98$148
Bristol West$101$139
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: USAA

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 $211 per month for full coverage and $94 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
Auto-Owners$31$45
State Farm$31$45
USAA$31$45
Allstate$34$49
COUNTRY Financial$35$52
Travelers$43$63
National General$46$67
GEICO$47$68
Direct Auto$48$71
Nationwide$53$77
Farmers$57$82
Progressive$57$84
Safeco$63$89
AssuranceAmerica$64$92
Clearcover$65$100
Foremost$74$116
Midvale Home & Auto$74$113
GAINSCO$95$133
Liberty Mutual$98$154
Bristol West$101$144
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: USAA

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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
Auto-Owners$31$55
State Farm$31$55
USAA$31$55
Allstate$34$60
COUNTRY Financial$35$62
Travelers$43$76
National General$46$81
GEICO$47$83
Direct Auto$48$85
Nationwide$53$94
Farmers$57$101
Progressive$57$101
Safeco$63$111
AssuranceAmerica$64$113
Clearcover$65$115
Foremost$74$131
Midvale Home & Auto$74$131
GAINSCO$95$168
Liberty Mutual$98$173
Bristol West$101$178
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: Auto-Owners

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.

Senior drivers in Enterprise pay, on average, $93 per month for full coverage and $41 for liability-only policies. Here are some of the cheapest coverage options for senior drivers in Enterprise.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$23$42
State Farm$23$42
USAA$23$43
Allstate$26$48
COUNTRY Financial$26$47
Travelers$32$58
National General$34$77
Direct Auto$35$86
GEICO$35$64
Nationwide$37$69
Progressive$38$71
Farmers$42$78
AssuranceAmerica$45$82
Safeco$48$79
Clearcover$49$84
Midvale Home & Auto$53$92
Foremost$54$135
GAINSCO$74$158
Liberty Mutual$74$126
Bristol West$76$183
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: USAA

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.

Car insurance rates for teenage drivers in Enterprise average $238 for full coverage and $106 for minimum coverage. Here are the cheapest auto insurers for teen drivers in Enterprise.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
COUNTRY Financial$53$47
USAA$53$43
Auto-Owners$54$42
State Farm$54$42
Allstate$61$48
GEICO$76$64
Travelers$79$58
Direct Auto$89$86
National General$90$77
Nationwide$93$69
Farmers$102$78
Progressive$105$71
AssuranceAmerica$121$82
Clearcover$128$84
Midvale Home & Auto$130$92
Safeco$133$79
Foremost$134$135
GAINSCO$172$158
Bristol West$175$183
Liberty Mutual$183$126
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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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

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 averages $128 per month in Enterprise, while drivers pay around $57 for liability insurance. The state-level averages for Alabama are $160 for full coverage and $60 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.

CityFull CoverageLiability Only
Auburn$166$62
Birmingham$185$69
Huntsville$147$64
Madison$170$61
Mobile$186$71
Montgomery$185$69
Tuscaloosa$173$64
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?

    Enterprise drivers pay an overall average of $93 per month for car insurance. Full-coverage insurance averages $128 per month, and liability-only coverage is $57 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?

    Auto-Owners has the cheapest car insurance rates in Enterprise, with liability-only policies as low as $57 per month. Enterprise drivers can also find affordable rates with the city's second- and third-cheapest companies, USAA and State Farm. Their liability-only rates start at $57 and $58, 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.

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 Business Magazine. "How liability car insurance can protect you."
  2. Alabama Department of Revenue. "What are the insurance requirements?."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Jess Ullrich
Jess UllrichInsurance Writer

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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

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