Buy Cheap Phenix City, AL Auto Insurance in 2024
Phenix City, AL auto insurance rates average $321 a month. Minimum auto insurance requirements in Phenix City, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Phenix City, AL, compare Phenix City auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Dec 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Phenix City, AL after a DUI are $4,379/year
- Average auto insurance rates in Phenix City, AL for teens drivers are $7,881/year
- Average auto insurance rates in Phenix City, AL are $321/month
Finding affordable Phenix City, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Phenix City, AL auto insurance with confidence is right here. Auto insurance rates in Phenix City are affected by local factors as well as personal ones like your driving record.
See how Phenix City, AL car insurance rates compare to Madison auto insurance rates, Auburn auto insurance rates, and Mobile auto insurance rates before you read more about the cost of auto insurance in Phenix City.
Don’t buy Phenix City, AL auto insurance until you’ve compared rates. Get free Phenix City, Alabama auto insurance quotes when you enter your ZIP code above.
Phenix City, AL Minimum Auto Insurance Requirements
The required auto insurance in Phenix City, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Phenix City, Alabama is outlined here.
Minimum Required Auto Insurance Coverage in Phenix City, Alabama
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Phenix City, AL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Phenix City, AL. Take a look at Phenix City, Alabama auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Phenix City, Alabama
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,775 | $2,961 | $2,421 |
| Farmers | $4,968 | $4,275 | $4,053 |
| Geico | $3,669 | $2,617 | $2,367 |
| Liberty Mutual | $7,856 | $4,820 | $3,783 |
| Nationwide | $3,214 | $2,509 | $2,271 |
| Progressive | $5,502 | $4,725 | $4,415 |
| State Farm | $8,725 | $4,412 | $2,995 |
| Travelers | $3,968 | $3,441 | $3,507 |
| USAA | $3,050 | $1,992 | $1,780 |
Buy Cheap Phenix City, AL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Phenix City, Alabama auto insurance rates? Find out how car insurance rates in Phenix City, AL are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Phenix City, Alabama
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,855 | $1,773 | $1,676 | $1,709 | $6,357 | $6,831 | $2,085 | $2,133 |
| Farmers | $2,537 | $2,521 | $2,267 | $2,409 | $9,786 | $10,074 | $2,876 | $2,986 |
| Geico | $2,073 | $2,052 | $1,961 | $2,022 | $5,430 | $5,312 | $2,193 | $2,032 |
| Liberty Mutual | $3,186 | $3,442 | $2,606 | $2,915 | $11,703 | $13,016 | $3,400 | $3,626 |
| Nationwide | $1,748 | $1,771 | $1,591 | $1,649 | $4,558 | $5,891 | $1,939 | $2,171 |
| Progressive | $2,648 | $2,476 | $2,176 | $2,328 | $10,908 | $12,157 | $3,088 | $3,264 |
| State Farm | $3,268 | $3,268 | $2,970 | $2,970 | $10,027 | $12,577 | $3,696 | $4,244 |
| Travelers | $1,472 | $1,495 | $1,384 | $1,379 | $7,920 | $12,475 | $1,393 | $1,592 |
| USAA | $1,405 | $1,424 | $1,314 | $1,287 | $4,244 | $4,704 | $1,834 | $1,979 |
Buy Cheap Phenix City, AL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Phenix City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Phenix City, AL are listed here.
Annual Auto Insurance Rates for Teen Drivers in Phenix City, Alabama
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,357 | $6,831 |
| Farmers | $9,786 | $10,074 |
| Geico | $5,430 | $5,312 |
| Liberty Mutual | $11,703 | $13,016 |
| Nationwide | $4,558 | $5,891 |
| Progressive | $10,908 | $12,157 |
| State Farm | $10,027 | $12,577 |
| Travelers | $7,920 | $12,475 |
| USAA | $4,244 | $4,704 |
Buy Cheap Phenix City, AL Auto Insurance for Seniors
You can save on senior auto insurance rates in Phenix City, Alabama by comparing Phenix City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Phenix City, AL here.
Annual Auto Insurance Rates for Senior Drivers in Phenix City, Alabama
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,676 | $1,709 |
| Farmers | $2,267 | $2,409 |
| Geico | $1,961 | $2,022 |
| Liberty Mutual | $2,606 | $2,915 |
| Nationwide | $1,591 | $1,649 |
| Progressive | $2,176 | $2,328 |
| State Farm | $2,970 | $2,970 |
| Travelers | $1,384 | $1,379 |
| USAA | $1,314 | $1,287 |
Find Cheap Auto Insurance Rates in Phenix City, AL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Phenix City, Alabama auto insurance. Compare Phenix City, AL auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Phenix City, Alabama
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,949 | $3,048 | $3,160 |
| Farmers | $4,179 | $4,373 | $4,745 |
| Geico | $2,660 | $2,872 | $3,121 |
| Liberty Mutual | $5,248 | $5,462 | $5,750 |
| Nationwide | $2,645 | $2,643 | $2,706 |
| Progressive | $4,335 | $4,853 | $5,454 |
| State Farm | $5,055 | $5,373 | $5,705 |
| Travelers | $3,447 | $3,712 | $3,757 |
| USAA | $2,190 | $2,261 | $2,371 |
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Find Cheap Phenix City, AL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Phenix City. Compare auto insurance rates in Phenix City, AL by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Phenix City, Alabama
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,052 | $3,052 |
| Farmers | $4,432 | $4,432 |
| Geico | $2,831 | $2,937 |
| Liberty Mutual | $5,487 | $5,487 |
| Nationwide | $2,665 | $2,665 |
| Progressive | $4,881 | $4,881 |
| State Farm | $5,244 | $5,512 |
| Travelers | $3,639 | $3,639 |
| USAA | $2,170 | $2,378 |
Find Cheap Phenix City, AL Auto Insurance Rates by ZIP Code
Auto insurance rates in Phenix City, Alabama can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Phenix City, AL to see how much where you live in Phenix City affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Phenix City, Alabama
| ZIP Code | Average Annual Rates |
|---|---|
| 36867 | $3,958 |
| 36869 | $4,014 |
| 36870 | $4,012 |
| 36877 | $3,815 |
Find Cheap Phenix City, AL Auto Insurance Rates by Driving Record
Auto insurance rates in Phenix City, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Phenix City, AL, take a look at the average cost for various violations versus rates for a clean driving record in Phenix City.
Annual Phenix City, Alabama Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,604 | $3,062 | $3,610 | $2,933 |
| Farmers | $3,732 | $4,825 | $4,707 | $4,464 |
| Geico | $1,949 | $3,134 | $3,853 | $2,602 |
| Liberty Mutual | $4,301 | $5,993 | $5,858 | $5,795 |
| Nationwide | $2,330 | $2,330 | $3,398 | $2,602 |
| Progressive | $4,398 | $5,541 | $4,757 | $4,828 |
| State Farm | $4,845 | $6,029 | $5,318 | $5,318 |
| Travelers | $3,030 | $3,180 | $4,653 | $3,692 |
| USAA | $1,747 | $2,197 | $3,261 | $1,890 |
Find Cheap Phenix City, AL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Phenix City, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Phenix City for less when you shop around and compare rates from multiple Phenix City, AL auto insurance companies.
Annual Auto Insurance Rates After a DUI in Phenix City, Alabama
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,610 |
| Farmers | $4,707 |
| Geico | $3,853 |
| Liberty Mutual | $5,858 |
| Nationwide | $3,398 |
| Progressive | $4,757 |
| State Farm | $5,318 |
| Travelers | $4,653 |
| USAA | $3,261 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Phenix City, AL
Compare rates from the cheapest auto insurance companies in Phenix City, AL for your needs. Take a look at how Phenix City, Alabama auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Phenix City, Alabama
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Find Cheap Phenix City, Alabama Auto Insurance Companies
If you’re looking for the cheapest Phenix City, AL auto insurance companies overall, you can compare them here. Find the best price for Phenix City, Alabama car insurance by company.
Average Annual Auto Insurance Rates by Company in Phenix City, Alabama
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,052 |
| Farmers | $4,432 |
| Geico | $2,884 |
| Liberty Mutual | $5,487 |
| Nationwide | $2,665 |
| Progressive | $4,881 |
| State Farm | $5,378 |
| Travelers | $3,639 |
| USAA | $2,274 |
What affects Phenix City, Alabama auto insurance rates?
Local factors affect auto insurance rates in Phenix City, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Phenix City auto insurance rates.
Auto Theft in Phenix City
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Phenix City, AL auto theft show a total of 156 vehicle thefts annually.
Commute Times in Phenix City
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Phenix City, AL is 22.2 minutes according to City-Data.
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Compare Auto Insurance Quotes in Phenix City, AL
You can buy cheap Phenix City, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Phenix City, Alabama auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Phenix City, AL in 2023?
To find affordable auto insurance in Phenix City, AL in 2023, you can consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options. Online comparison tools or contacting insurance agents can help with this.
- Maintain a good driving record: A clean driving history with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Increase deductibles: Opting for a higher deductible means you’ll have to pay more out of pocket in case of an accident, but it can lower your insurance premium.
- Bundle policies: If you have other insurance policies, such as homeowners or renters insurance, consider bundling them with your auto insurance to potentially receive a discount.
- Ask about discounts: Inquire about available discounts like safe driver discounts, multi-car discounts, or discounts for having certain safety features installed in your vehicle.
What factors affect the cost of auto insurance in Phenix City, AL?
Several factors can influence the cost of auto insurance in Phenix City, AL. These factors include:
- Age and driving experience: Younger, less experienced drivers typically have higher insurance premiums compared to older, more experienced drivers.
- Vehicle type and model: The make, model, and year of your vehicle can impact your insurance premium. Generally, more expensive or high-performance cars may have higher insurance rates.
- Driving record: Drivers with a history of accidents, traffic violations, or DUI convictions are considered higher risk and may face higher insurance premiums.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance costs. Higher coverage limits and lower deductibles usually result in higher premiums.
- Location: Where you live can impact your insurance rates. Factors such as the crime rate, frequency of accidents, and population density in your area can influence your premium.
What types of auto insurance coverage are available in Phenix City, AL?
In Phenix City, AL, you can typically find the following types of auto insurance coverage:
- Liability coverage: This coverage pays for bodily injury and property damage caused to others if you are at fault in an accident.
- Collision coverage: Collision coverage pays for damages to your vehicle in the event of a collision, regardless of fault.
- Comprehensive coverage: Comprehensive coverage provides protection for damages to your vehicle caused by non-collision events such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): PIP coverage helps cover medical expenses and lost wages for you and your passengers in the event of an accident, regardless of fault.
- Uninsured/underinsured motorist coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance or is uninsured.
Can I get auto insurance if I have a poor driving record or past accidents?
While having a poor driving record or past accidents can make it more challenging to find affordable auto insurance, there are options available. Some insurance companies specialize in providing coverage for high-risk drivers. However, keep in mind that insurance premiums for individuals with a poor driving record or past accidents are generally higher due to the increased risk.
Can I cancel my auto insurance policy in Phenix City, AL before it expires?
Yes, you can generally cancel your auto insurance policy in Phenix City, AL before it expires. However, the specific terms and conditions of cancellation may vary depending on the insurance company and policy. Here are some key points to consider:
- Review the policy terms: Carefully review your insurance policy to understand the cancellation provisions. Look for any specific instructions, notice periods, or potential fees associated with cancellation.
- Contact your insurance company: Notify your insurance company in writing or by phone to inform them of your intention to cancel the policy. They will guide you through the cancellation process and provide any necessary forms or documentation.
- Consider timing: It’s important to time your cancellation properly to avoid any coverage gaps. Ensure that you have alternative coverage in place before canceling your current policy.
- Potential fees or penalties: Some insurance companies may charge a cancellation fee if you terminate the policy before its expiration date. Review your policy or contact your insurer to determine if any fees apply.
- Return of premium: Depending on the specific circumstances, you may be eligible for a prorated refund of any unused premium if you cancel before the policy expires. Confirm this with your insurance company.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.