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How much is car insurance in Dothan?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Alabama, coverage in Dothan is about $4 a month cheaper.
Similarly, car insurance rates in Dothan are more affordable than the national average. It's about $32 cheaper than the national average to insure your vehicle in Dothan.
Keep in mind that while these are the average car insurance rates for Dothan, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Dothan so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||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 rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Dothan may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Dothan is around $6 a month. Based on the chart above, you can see that female drivers pay around $47 on average, while male drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Dothan, a driving record with a single accident will usually get you a rate around $83 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||$39|
|15 Years or Older||$49|
The cheapest vehicles to insure in Dothan are by and large trucks and vans, with each type typically costing about $44 per month.
Meanwhile, Dothan drivers who own a car or SUV can expect to pay about $50 to insure their vehicle.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Dothan, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
On average, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Dothan is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Another factor that comes into play is your living accommodations. Those who own their own home in Dothan can expect to pay around $4 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Dothan, AL
Recent trends in car insurance for Dothan drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Dothan, auto insurance rates have been mixed over the past few years. They increased in 2017, fell in 2019, and rose again in 2021, before finishing at $79 in 2022.
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 an insurance policy, car insurance companies will evaluate many factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Crime levels
- General road safety (how many accidents each locality has)
- Number of drivers in the community
- Availability of off-street parking
- Local laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing plans in Dothan.
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Dothan Insurance FAQs
What factors affect car insurance quotes in Dothan?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Dothan different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Dothan?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Dothan or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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