The average cost for a full coverage car insurance policy in Dothan is $1,547, well below the Alabama state average of $1,728. But even though they already enjoy lower rates than some of their neighbors, Dothan drivers can save even more on their car insurance by comparing quotes from multiple companies before buying a policy.
Policygenius makes it easy to compare options from top car insurance companies, so you can be sure you’re getting the coverage you need at a price you feel good about.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Dothan, AL
Insurance companies look at a variety of factors when setting your rates. Some of these, like your driving record, credit score, and the type of car you drive can change year to year.
It’s important to shop around before you buy a policy and then compare quotes every time your coverage is up for renewal, to make sure you’re still getting the best rates.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $74/month | 890 |
Travelers | $88/month | 854 |
Nationwide | $89/month | 868 |
GEICO | $91/month | 874 |
Cincinnati Insurance | $94/month | -- |
Cheapest car insurance rates by ZIP code in Dothan, AL
Car insurance rates vary from one neighborhood to the next based on things like the numbers of reported accidents, local traffic, reports of car thefts and even the costs of repairs.
ZIP code | Average cost |
|---|---|
36305 | $1,546 |
36352 | $1,547 |
36303 | $1,547 |
36301 | $1,548 |
Choosing the right car insurance company in Dothan, AL
The truth is, there’s no one company that’s right for every driver. Because car insurance rates are based on so many personal details, like your age, address, credit score, driving history, and past claims, the only way to find the best company for you is to shop around and compare quotes.
Policygenius can help you see options from top companies so you can choose the policy that’s right for you.
Car insurance rates for drivers with driving violations in Dothan, AL
The more accidents or moving violations on your record, the more you’ll pay for coverage. Being a safe and careful driver is the best way to keep your rates down, but having a less than perfect driving record is all the more reason to compare rates and discounts to get the best deal.
Violation | USAA | Travelers | Nationwide | GEICO | Cincinnati Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,373 | $1,493 | $1,863 | $1,779 | $2,012 |
Suspended license | $1,879 | $1,629 | $2,328 | $2,259 | $2,721 |
Open container | $1,435 | $1,416 | $2,328 | $2,259 | $2,241 |
Expired registration | $1,104 | $1,416 | $1,414 | $1,286 | $1,420 |
Driving without lights | $1,104 | $1,416 | $1,414 | $1,286 | $1,420 |
Running a red light | $1,104 | $1,416 | $1,414 | $1,286 | $1,420 |
Following too closely | $1,104 | $1,416 | $1,414 | $1,286 | $1,420 |
Hit and run | $2,087 | $1,629 | $2,328 | $2,259 | $2,721 |
Not-at-fault accident | $961 | $1,126 | $1,124 | $1,054 | $1,318 |
Passing a school bus | $1,435 | $1,629 | $1,414 | $1,286 | $1,420 |
Reckless driving | $1,435 | $1,629 | $2,328 | $2,259 | $2,241 |
Cheapest car insurance for drivers with a DUI in Dothan, AL
Company | Rates for drivers with DUIs |
|---|---|
Travelers | $1,629 |
USAA | $1,983 |
GEICO | $2,259 |
Nationwide | $2,328 |
Cincinnati Insurance | $2,721 |
Cheapest car insurance for drivers with a speeding ticket in Dothan, AL
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $1,104 |
Nationwide | $1,414 |
Cincinnati Insurance | $1,420 |
Travelers | $1,435 |
GEICO | $2,259 |
Cheapest car insurance for drivers with bad credit in Dothan, AL
Having good credit is another way to keep your car insurance cost down. Not all states allow credit to be a factor in car insurance rates, but Alabama does, and Dothan drivers with poor credit will pay more for car insurance.
Drivers with less than perfect credit should take advantage of comparing policies to find the lowest rates.
Company | Rates for drivers with bad credit |
|---|---|
Safeway Insurance | $1,541 |
GEICO | $1,609 |
USAA | $1,621 |
Nationwide | $1,820 |
COUNTRY Financial | $1,856 |
Buying car insurance in Dothan, AL
Coverage requirements: Alabama requires all drivers to have a minimum amount of car insurance coverage. Most drivers will find they need more coverage that the state minimums, but all Dothan drivers must have at least the following coverage amounts:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Alabama is an at-fault state. That means that after a car accident, the car insurance company of the driver determined to be at fault will pay for the other party’s medical bills and repair costs. That’s why it’s important to have enough liability coverage to pay out after an accident, even if it’s expensive.
How to get cheap car insurance in Dothan, AL
There are a few simple tricks to finding your cheapest car insurance rates:
Know what you need before you start looking for a policy, like what each coverage type does and how much of it you need
Research available discounts and make sure you’re getting all the ones you qualify for
Bundle your auto policy with home or renters to maximize your savings
Reshop before renewing your policy each year. Rates and discounts change, as will your needs, and getting the best deal may mean changing companies
Frequently Asked Questions
Which company in Dothan has the cheapest car insurance?
The cheapest car insurance company in Dothan, Alabama is USAA at $892 per year.
What is the cost of car insurance in Dothan, Alabama?
On average, drivers in Dothan, Alabama, pay $129 every month for car insurance. This is cheaper than the average cost of coverage in Alabama and in the entire United States.
Is car insurance mandatory in Dothan?
Yes, drivers in Dothan, Alabama, must carry at least $25,000 of bodily injury liabiliy coverage per person, $50,000 per accident, and $25,000 of property damage liability.
What are the penalties for not having insurance in Dothan?
If you're caught driving without car insurance in Dothan, Alabama, you could face a fine of up to $500 for your first conviction and $1,000 for your second. You could also have your driver's license suspended for up to six months.
