The best car insurance in Dothan, AL

Ed Zuccarelli

By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

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.

Published November 17, 2021

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The average cost for a full coverage car insurance policy in Dothan is $1,546, well below the Alabama state average of $1,726. 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

  • GEICO offers the cheapest average rates in Dothan at $868 per year for full coverage, followed closely by USAA at $892

  • 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

GEICO

$868

871

USAA

$892

890

Nationwide

$1,051

876

Cincinnati Insurance

$1,128

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COUNTRY Financial

$1,176

863

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

36301

$1,546

36303

$1,545

36305

$1,544

36352

$1,542

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

GEICO

USAA

Nationwide

Cincinnati Insurance

COUNTRY Financial

At-fault Accident

$1,444

$1,373

$1,829

$2,011

$1,608

DUI

$1,817

$1,983

$2,283

$2,722

$2,005

Driving with a suspended license

$1,817

$1,879

$2,283

$2,722

$2,005

Driving with an open container

$1,817

$1,435

$2,283

$2,240

$1,586

Driving with expired registration

$1,031

$1,104

$1,390

$1,419

$1,586

Driving without Lights

$1,031

$1,104

$1,390

$1,419

$1,586

Failure to show documents

$992

$1,104

$1,390

$1,419

$1,586

Failure to stop at a red light

$1,031

$1,104

$1,390

$1,419

$1,586

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

GEICO

$1,286

Safeway Insurance

$1,611

USAA

$1,621

Nationwide

$1,739

Cincinnati Insurance

$1,880

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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

Can I update my coverage anytime?

Yes. Changes in your life such as moving to a new home or apartment, buying or selling a vehicle, adding or removing a driver, or getting married or divorced are just some of the changes that you should tell your car insurance company about.

Is car insurance mandatory in Alabama?

Yes. Driving without insurance in Alabama is considered a misdemeanor and can carry a fine of as much as $500 to $1,000. You may also have your driver's license and vehicle registration suspended, and even serve time in jail if you’re caught driving without car insurance.

I’ve heard your insurance goes down when you turn 25, is that true?

Yes. Most insurance companies consider a driver experienced after about seven years of driving. Unless you have had tickets or accidents during that time, your insurance rates should drop at age 25, assuming you got your license as a teen.

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.