Cheapest car insurance quotes in Dothan, AL

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Updated: 11 July 2024
Written by Doug Schaffer
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Our team investigated over 60 of the nation’s top auto insurance companies, receiving separate quotes from each. Of these quotes, we discovered that State Farm consistently came out on top as the least expensive insurance carrier for motorists in Dothan, Alabama. Although we found that State Farm offered the cheapest rates for minimum coverage, full coverage, and motorists with violations, we discovered that several other carriers also offer affordable premiums.

During our analysis, we found that Travelers Insurance offered the cheapest rates for young drivers, and Assurance America ranked as the most affordable for senior drivers. We also found that Nationwide offered the best rates for drivers with poor credit, and USAA was the top choice for both active and retired military members.

Dothan, Alabama, has seen huge growth within the private sector over the last five years. With more people moving to Dothan for work, it’s paramount for drivers to have an understanding of the city’s average insurance rates and compare them with other areas in the state.

For example, the average monthly cost for car insurance in Dothan is $252, while the average in the whole of Alabama is only $185. Although Dothan’s average car insurance plan is a lot more expensive when compared to other cities in the state, there are many carriers on the market that offer cheaper rates for various types of coverage.

In this analysis, we’ll take a comprehensive deep dive into a select few carriers in Dothan, as we hunt for the cheapest rates and explore how numerous criteria, such as credit, age, and driving record, can impact your monthly payments.

Cheapest and best car insurance providers in Dothan, Alabama 2024

Cheapest and best car insurance providers in Dothan 2024

Compare the cheapest car insurance providers in Dothan, Alabama

Overall Rating Best For JD Power Rating Average Annual Cost AM Best Rating Get A Quote
State Farm

Affordable Coverage




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Young Drivers




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Assurance America

Senior Drivers




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State Farm

Driving Violations




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State Farm

Full Coverage




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State Farm

Minimum Coverage




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Our Methodoloy

To find the least expensive auto insurance premiums in Dothan, we took data from several insurance review websites, some of which delved into premiums from public filings that have been taken by Quadrant Information Services. Our team, with a combined experience of twenty-five years, thoroughly analyzed each carrier, with their discoveries also playing a role in this study. It’s also worth noting that even though the rates listed in this analysis are accurate, they do shift daily, and they can also vary depending on the driver applying for insurance.


Quotes Analyzed


Brands Reviewed


Years of Industry Experience


Hours of Research

Cheapest car insurance providers in Dothan, Alabama

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

When deciding which provider to buy a policy with, you want to choose a carrier that’s both affordable as well as dependable — which is exactly what you can expect with State Farm.

In our task of finding the least expensive provider in Dothan, State Farm continuously beat its competitors in almost every category we looked at. Their cheap monthly rates and fantastic reputation for providing a superb service to its customers have made them the top choice for both the best and cheapest insurance for the drivers of Dothan.

Benefits & Drawbacks

  • Fantastic ratings by customers for their service
  • Average annual rates are lower than the national average
  • Large number of customers returning to renew their policies
  • Not as affordable for drivers with poor credit
  • Gap insurance not an option

Cheapest Overall Rates in Dothan

Company Average Rate Per Year
State Farm $1,718
Auto Owners $2,178
Allstate $2,019
Farmers $2,597

Cheapest for Motorists with Driving Violations

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

As we all know, accidents do sometimes happen. Accidents can then lead to an increase in your monthly insurance payment. However, a number of providers, State Farm included, have a much more lenient approach to drivers with violations. The rates are still higher in comparison to drivers who don’t have any violations, but State Farm do offer affordable premiums for those with a less than perfect history behind the wheel.

State Farm was top of the list of more than 20 providers for their monthly premiums for drivers with DUIs, speeding tickets, or those at fault in an accident.

With their forgiving rates, and exceptional customer service, State Farm is the best choice for drivers with violations.

Benefits & Drawbacks

  • Large team of dedicated insurance agents available to offer support
  • Ranked highly on the J.D. Power rating system for customer service
  • Strong financial ratings reported by AM Best
  • Not as many customizable insurance options when compared to other large providers

In time, many drivers will likely receive a minor driving violation. A minor driving violation could be given in the event of speeding, or not stopping at a stop sign, and they will not affect your monthly premiums too much. If a driver collects several minor violations over a short space of time, then you could see your rates rise.

Major offenses, such as DUI’s, reckless driving, and at-fault accidents, will have more of an impact on your monthly payments. This is because the driver will be seen as more of a risk in the eyes of the insurer.

If a motorist poses more of a risk when driving, then they are more likely to be involved in an accident, and therefore more likely to submit a claim.

Cheapest Rates for Motorists with Driving Violations in Dothan

Company Average Rate Per Year
State Farm $1,948
USAA $2,197
Allstate $2,693
Nationwide $2,218
GEICO $2,115

Cheapest For Full Coverage

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

Selecting a minimum coverage policy can save you money in the short term, however, full coverage provides a motorist with a greater level of protection for both themselves, and their motor. A lot of carriers will increase their rates by a lot for the additional coverage, however, State Farm remain as the best provider with the cheapest rates in this category.

When comparing State Farm with another provider ranking 5th in the same category, the difference in price was almost $500.

For motorists seeking an affordable policy with full coverage, State Farm is a great choice.

Benefits & Drawbacks

  • Offers a generous discount for renewals that’s way above the industry average
  • Creative discount opportunities on offer, such as usage-based insurance discount
  • Multiple discounts available for motorists with a focus on safe driving, education, and numerous vehicles, or policies
  • Some types of coverage not available, including gap insurance
  • Not as affordable for certain groups of drivers, including motorists with poor credit

Many drivers incorrectly assume that minimum coverage covers all expenses in the event of an accident – whether it’s with another motor or personal property. You should know that minimum coverage will only protect the other person involved in the accident, and their property – not you or your motor.

Choosing full comprehensive coverage will give motorists an extra layer of protection, covering any expenses that relate to both you and your vehicle.

Full comprehensive motor insurance policies will cover the following:

  • Property damage liability
  • Bodily injury liability
  • Comprehensive and collision
  • Roadside assistance or rental car reimbursement

Cheapest Full Coverage Rates in Dothan

Company Average Rate Per Year
State Farm $1,080
USAA $1,257
Allstate $2,019
Progressive $1,920
Travelers $1,733

Cheapest For Minimum Coverage

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

As with many of the other categories mentioned, State Farm comes out on top as the cheapest provider for Dothan motorists seeking a minimum coverage policy. Of the 60+ carriers we reviewed; State Farm was one of just three providers offering annual rates of less than $1,000.

State Farm also ranked high with their customer support ratings, as well as financial strength from independent agencies, and affordable premiums. These three elements make State Farm an insurance company that every type of driver should consider looking at, more specifically drivers looking for a full comprehensive insurance policy.

Benefits & Drawbacks

  • Recognized widely for its industry-leading customer service and quality products available
  • Motorists can take advantage of their many discounts based on their driving record, education, and usage
  • Strong financial ratings from independent agencies including AM Best
  • Gap insurance is not an option

If you’re planning on purchasing minimum coverage motor insurance, we recommend keeping Alabama’s legal limits in mind. Below is a list of the things that you should ensure are included in your insurance plan:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one accident
  • $25,000 maximum for property damage per accident

Motorists failing to maintain the above minimums could face fines of up to $400 for multiple offenses.

Cheapest Minimum Coverage Rates in Dothan

Company Average Rate Per Year
State Farm $360
USAA $456
Allstate $650
Travelers $420
GEICO $510

Cheapest For Young Drivers

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Travelers Insurance is not the cheapest option for every category, however, it’s a good carrier for young drivers who have recently obtained their license, with rates almost $200 less than the 2nd ranked insurer. Travelers Insurance also offer additional coverage options, including rideshare coverage.

They are also widely recognized for the superb customer service that they provide, and are known historically for receiving few complaints, according to the National Association of Insurance Commissioners.



Benefits & Drawbacks

  • Ranks as one of the best insurers for customer support
  • Large selection of motor insurance options and customizable plans
  • Drivers have access to accident forgiveness as well as minor violation forgiveness
  • Average cost for a typical insurance policy is higher than many other carriers
  • Lower bundling discounts when compared to other insurers
  • Mobile app is in need of a revamp

As a young driver, you’re filled with the excitement that comes with this newfound freedom, but at the same time can feel a tad overwhelmed. With this new freedom, comes the great responsibility of driving a vehicle safely.

Many carriers will increase their rates for young drivers because of their inexperience.

However, as time passes and a young driver gains more experience on the road, insurers calculate a more accurate risk assessment, meaning rates will decrease as you age – if you maintain a clean record, that is.

Cheapest Rates for Young Drivers in Dothan

Company Average Rate Per Year
Travelers Insurance $1,010
Progressive $1,920
GEICO $1,310
Farmers $1,570
Allstate $1,280

Cheapest For Senior Drivers

Overall Rating

Key Statistics

7/10 Affordability
8/10 Customer Reviews
7/10 Payouts
7/10 Coverage Level

Why We Like Them

Although they are a relatively unknown insurance company, Assurance America are a good option for senior drivers in Dothan. A Georgia-based insurer, Assurance America also offer an excellent service to its customers.

Additionally, Assurance America have a downloadable app available that’s easy to navigate, making editing account information and looking up payment details a breeze.


Benefits & Drawbacks

  • Offers coverage for drivers needing SR-22s
  • Personalized experience provided by a first-class customer support team
  • User-friendly mobile app makes it possible to access account details in a matter of seconds
  • Limited availability across states
  • Only offers basic coverage options for motorists

A lot of seniors can struggle to access their account information, however, with Assurance America, there are numerous ways of doing this. These include speaking with a representative, or through their downloadable app. According to rave reviews from customers, their support team offer a polite and friendly service.

Along with making account info easily accessible, the majority of senior drivers are on a fixed income, meaning they need an affordable premium. Fortunately, many providers offer a special discount that helps to reduce costs as drivers get older.

Cheapest Rates for Senior Drivers in Dothan

Company Average Rate Per Year
Assurance America $1,464
Progressive $1,488
Nationwide $1,632
InsureMax $1,668
Safeco $1,800

Average cost of car insurance in Dothan, Alabama

Insurance Company Average Monthly Quote
State Farm $105
USAA $108
GEICO $169
Farmers Insurance $194
Liberty Mutual $341

Average cost in Dothan – By Age

Age Group Average Monthly Rate
Teenagers $210
20s $200
30s $118
40s $124
50s $100
60s $105
70s $110

Average cost in Dothan – By Gender

Gender Average Monthly Cost
Female $248
Male $254

Average cost in Dothan – Marital Status

Marital Status Average Monthly Cost
Single $217
Married $205

Average cost in Dothan – By Accident and Violation History

Violation/Incident Type Average Monthly Rate
Clean Record $105
Speeding Ticket $143
DUI/DWI $207
At-Fault Accident $152

Average cost in Dothan – By Credit Tier

Credit Tier Average Monthly Rate
Excellent $212
Good $257
Fair $274
Poor $430

Average cost in Dothan – By Zip Code

Zip Code Average Monthly Cost
35226 $153
35222 $160
35233 $161
35212 $161
35205 $161
35221 $162
35294 $162
35235 $163
35203 $163
35206 $164

Minimum car insurance requirements in Alabama

Each state in the U.S. has requirements for a motorist’s minimum insurance in order to operate a vehicle legally. For drivers based in Dothan, the requirements for minimum car insurance include the following:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one incident
  • $25,000 maximum for property damage per incident

While many providers include these coverage amounts in a standard policy, we still recommend reviewing the terms of your agreement prior to accepting.

How to buy car insurance in Dothan

Drivers may feel that purchasing a car insurance policy is a complex and lengthy process. However, many motorists may not know that they can find a plan within minutes through comparison sites such as Insuranceopedia.

Listed below are some necessary steps when purchasing motor insurance in Dothan.

Step 1: Collect Relevant Information

You can complete the information step during the actual buying process, however, it’s always easier to make sure that you gather relevant information in advance. The information you’ll be asked to provide includes:

  • Driving history for all drivers on the plan
  • Information regarding your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
  • Driver’s license numbers for all policy members
  • Name and birthdate of all policy members
  • Information on the current insurer, if you’re switching providers

Step 2: Be Aware Of Your Coverage Needs

For motorists in Dothan, the state requires each driver to carry a policy that has the following minimums:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one incident
  • $25,000 maximum for property damage per incident

Note down these numbers and remember them as you proceed with your application. The state of Alabama could issue you a fine for driving without suitable insurance and minimum coverage.

Step 3: Select a Buying Method

In the digital age of which we are living, many people shop online for their insurance as it’s often the simplest method. It also allows a motorist to compare different providers and their quotes without the added pressure of an insurance agent. However, there are some benefits to the old-school method.

For example, working with an agent allows you an instant answer to any burning questions. While many providers have a live chat feature on their website, you may have to wait a while for the information you need in order to proceed with the purchase.

Regardless of which method you choose, be it online or through an insurance agent, choosing the plan that’s best for you and your situation is the most important thing.

Step 4: Compare Motor Insurance Policies

It’s often easier to choose the first company you see a quote from. However, if you select three providers and receive quotes from them, you can compare their premiums and look at the types of discounts you qualify for.

Step 5: Purchase Your New Motor Insurance Policy

The final step in the process is, of course, purchasing your new policy. At this point, you’ve already made your decision, so before you buy – tie up any loose ends.

For instance, if you’re switching providers, you’ll want to contact your previous carrier and tell them to cancel your policy after the new plan is in place.

Factors that impact the cost of your policy in Dothan

There are several factors that play a role in determining the rates of your monthly payments. An example of one is your location.

The provider could deem your location to be high-risk depending on which zip code you live in or where your car is kept when not on the road. In these zones, car theft and vandalism are more likely to occur, so insurance rates tend to be a little higher.

Along with location, other factors that can impact your rates are:

  • Age
  • Gender
  • State Insurance Requirements
  • Driving Record
  • Vehicle Type
  • Average Annual Mileage
  • Credit History
  • Marital Status

Alabama car insurance laws to be aware of

Alabama’s most important insurance law is the minimum liability coverage of 25/50/25. Motorists are, by law, required to carry an insurance plan with a minimum of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

These coverage levels are good way of protecting the other driver involved, however, it will not cover expenses for you or your vehicle. To ensure that you have full protection, you’ll need additional insurance such as comprehensive or collision coverage.

In the news

Information about Dothan

One of the most progressive cities of the region, Dothan offers a range of cultural entertainment, shopping opportunities, and affordable housing. Providing its residents and tourists with the modern amenities and conveniences of larger cities, while retaining the charm of the South.

While exploring Dothan, you can spend your time strolling through its stunning parks including Baumans Pond Park, Solomon Park, Fairview Park, and Kelly Springs Recreation Area, as well as learning a thing or two at the GW Carver Interpretive Museum, or enjoy a trip to the Wiregrass Museum of Art.

Motor insurance discounts in Dothan

In addition to looking for the cheapest rates, drivers are encouraged to take advantage of discounts provided by the insurer as they could help save you some cash. Listed below are some of the discounts to keep in mind when it comes to purchasing car insurance:

  • Safe driver
  • Low mileage
  • Accident-free
  • Defensive driving
  • Good student
  • Student away
  • Senior
  • Military
  • Multi-policy
  • Multi-vehicle
  • Paid in full


Why is Alabama motor insurance so high?

Many factors can impact the average monthly rates of a state. For Alabama, the state average is generally higher than other areas of the U.S. because of two things — high incidence of car accidents as well as a high number of uninsured drivers.

How much is motor insurance in Alabama a month?

The majority of motorists can expect to pay a monthly average of $185 for insurance in Alabama. However, criteria including your credit history and your driving record can alter these rates.

Which company offers the cheapest car insurance in Dothan, AL?

State Farm offers the cheapest rates in Dothan, AL, for multiple groups of motorists. For instance, motorists will pay around $105 per month for a policy through State Farm, which is $80 less than the state average for coverage.

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