Table of contents
How much is car insurance in Dothan?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Dothan than it is in the rest of Alabama.
Drivers relocating from out of state may enjoy some cost savings in Dothan. The average monthly payment for the United States as a whole is about $35 more expensive than in Dothan.
While these are the average monthly costs for auto insurance coverage in Dothan, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Dothan and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Dothan drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Dothan is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Dothan, a driving record with a single accident will usually get you a rate around $62 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $69.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$44|
The cheapest vehicles to insure in Dothan are by and large trucks and vans, with each type typically costing about $42 per month.
Car owners will see a monthly rate of about $45, while SUV owners typically pay around $47 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Dothan are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Overall, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Dothan as well, where the difference is around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than those who own their own home in Dothan. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Dothan, AL
Recent trends in car insurance for Dothan drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Dothan, the rates for auto insurance went up from 2016-2018, when they hit a high of $54. This shifted in 2019, when they began to turn downward again. They finished up in 2021, at $51 per month
How does Dothan compare to neighboring areas?
Why are car insurance rates in Dothan different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers in the community
- Area crime rates
- Area regulations
- Amount of off-street parking
- Road Safety (how many accidents each locality has)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Dothan?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Dothan.
Dothan Insurance FAQs
What factors affect car insurance quotes in Dothan?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Dothan different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Dothan?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Dothan?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Dothan or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?