The best car insurance in Dothan, AL

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Ed ZuccarelliEd ZuccarelliFreelance contributorEd Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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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.

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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.

Key takeaways

  • USAA offers the cheapest average rates in Dothan at $892 per year for full coverage

  • Alabama requires at least $25,000 per person and $50,00 per accident in bodily injury liability coverage, and $25,000 in property damage liability

  • Each insurance company sets rates differently, so comparing options from several companies will help you get the best price

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

$892

890

Travelers

$1,051

854

Nationwide

$1,067

868

GEICO

$1,089

874

Cincinnati Insurance

$1,133

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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

DUI

$1,983

$1,629

$2,328

$2,259

$2,721

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

Speeding

$1,104

$1,435

$1,414

$2,259

$1,420

Collapse table

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

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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.

Methodology

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.

Authors

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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