Dothan, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Dothan, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
In Dothan, Alabama, car insurance rates differ widely among the top 4 companies
Zimlon’s analysis of four car insurance companies with the highest market share showed that 62-year-old married men driving Ford F-250 super duty crew cabs pay the lowest premiums. A study of the median half-yearly quotes for all driver categories showed the lowest value for this cohort, at $687. For this analysis, Zimlon selected the top four auto insurance companies based on the 2016 NAIC report: Alfa Mutual Insurance Company, State Farm Mutual Automobile Insurance Company, Progressive Specialty Insurance Company, and Allstate Property and Casualty Insurance Company.
Information on insurance premiums was obtained from the Alabama Department of Insurance website. The collision deductible for this analysis was chosen as $500. Bodily injury per person, bodily injury per accident, and property damage limits were set as $25,000, $50,000, and $25,000 respectively. The medical payment limit was chosen as $1,000.
The following table shows the 10 types of driver segments analyzed, the median premium rate for each segment, and the premiums charged by companies with the highest market share in Dothan, Alabama. The boxes in light red show the difference between the premium and the median price for premiums that are priced higher than the median. The boxes in light green represent the same difference for prices that are lower than the median.
| Cohort | Median Car Insurance Rates in Dothan, AL | Alfa Mutual Insurance Company | State Farm Mutual Automobile Insurance Company | Progressive Specialty Insurance Company | Allstate Property And Casualty Insurance Company |
|---|---|---|---|---|---|
| 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows | $2,636 | $683 | $349 | $49 | $1,159 |
| 18-year-old single women driving 2010 Toyota Camry LE four-door sedans | $2,361 | $797 | $8 | $23 | $796 |
| 25-year-old married men driving 2010 Chevy Silverao 1500 extended cabs with two windows | $1,187 | $291 | $77 | $129 | $539 |
| 25-year-old single women driving 2010 Toyota Camry LE four-door sedans | $1,211 | $354 | $140 | $60 | $466 |
| 30-year-old married men driving 2012 Ford F-250 super duty crew cabs | $1,085 | $167 | $204 | $103 | $456 |
| 48-year-old single men driving 2012 Chevy Tahoe LS cars | $1,043 | $214 | $89 | $307 | $193 |
| 62-year-old married men driving 2012 Ford F-250 super duty crew cabs | $687 | $1 | $3 | $133 | $280 |
For all seven driver categories analyzed, Alfa Mutual Insurance offers lower-than-median car insurance premiums. The difference is highest for 18-year-old single women driving 2010 Toyota Camry sedans:, Alfa’s premium is $797 less than the median. The difference between Alfa’s rates and the median is the least for the cohort of 62-year-old married men driving Ford F-250, at $1 less than the median.
For three out of seven driver cohorts, State Farms offers lower-than-median rates. Their cheapest offering is for 30-year-old married men driving 2012 Ford F-250, at $204 less than the median. Their most expensive plan is for 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs, at $349 more than the median.
Progressive Specialty also offers cheaper-than-median rates but only for three driver categories. It offers the cheapest rate for 48-year-old single men driving 2012 Chevy Tahoe cars, at $307 less than the median. The most expensive plan is for 25-year-old married men driving 2010 Chevy Silverado cabs, at $129 more than the median.
Allstate Property and Casualty Insurance is another company that offers lower-than-median rates for all seven customer cohorts. 18-year-old single women with 2010 Chevy Silverado cabs can avail the lowest rates, at $1,159 less than the median. 48-year-old single men with 2012 Chevy Tahoe cars are offered the most expensive premiums at $193 less the median.
The following chart compares the car insurance premium rates of the four companies with the highest market share in Dothan, Alabama.
Factors that can influence the cost of car insurance in Dothan, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Dothan, AL Auto Insurance Rates
- Dothan, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Dothan, AL
- Multi Vehicle Insurance Savings in Dothan, AL
- How Credit Score Affects Car Insurance Rates in Dothan, AL
- How DUI Affects Auto Insurance Premiums in Dothan, AL
- Top Auto Insurance Agents Near Dothan, AL
- How Driving Violations Affect Auto Insurance Rates in Dothan, AL
- Dothan, AL Auto Insurance Discounts on Anti Theft Feature
- Dothan, AL Auto Insurance Company Reviews
Dothan, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Dothan, AL with that of other cities in and around Dothan.
| Dothan | Webb | Avon | Grimes | Cowarts | Taylor | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,359 | $1,415 | $1,430 | $1,394 | $1,423 | $1,411 |
Dothan, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Dothan, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Dothan | $1,265 | $1,068 |
| Cowarts | $1,932 | $1,632 |
| Kinsey | $1,479 | $1,249 |
| Webb | $1,335 | $1,128 |
| Houston County | $1,505 | $1,271 |
| Avon | $1,243 | $1,050 |
| Taylor | $1,411 | $1,192 |
| Grimes | $1,436 | $1,213 |
Dothan, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Dothan, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,410 |
| 20 Years | $1,746 |
| 30 Years | $1,345 |
| 40 Years | $1,294 |
| 50 Years | $1,198 |
| 60 Years | $1,215 |
| 70 Years | $1,414 |
Dothan, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Dothan, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,365 | $353 |
| 3 Vehicles | $3,547 | $530 |
| 4 Vehicles | $4,729 | $707 |
Savings on 2 Vehicles bundle:$353
Savings on 3 Vehicles bundle:$530
Savings on 4 Vehicles bundle:$707
Dothan, AL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Dothan, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Dothan | $1,359 | $2,410 |
| Cowarts | $1,423 | $2,523 |
| Kinsey | $1,410 | $2,500 |
| Webb | $1,415 | $2,509 |
| Houston County | $1,455 | $2,580 |
| Avon | $1,430 | $2,535 |
| Taylor | $1,411 | $2,502 |
| Grimes | $1,394 | $2,472 |
Dothan, AL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,166 |
| Excellent (740-799) | $1,331 |
| Good (670-739) | $1,416 |
| Average (580-669) | $1,848 |
| Poor (300-579) | $2,217 |
Dothan, AL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Brian Jones | State Farm | 190 Westgate Pkwy, Dothan, 36303-2931 | 334-793-6396 |
| Andrew Anderson | Allstate | 936 W Carroll St Ste 1, Dothan, 36301 | (334) 792-4407 |
| Luke Stevens | Allstate | 2238 Westgate Pkwy, Dothan, 36303 | (334) 792-9495 |
| Rod Grimmer | State Farm | 3124 W Main St Ste 2, Dothan, 36305-1181 | 334-793-6241 |
| Davenport Agency | Nationwide | 1050 W Main St, Dothan, 36301 | (334) 677-6238 |
| Cobb-Steever Insurance Agency Inc | Travelers | 3123 WESLEY WAY, DOTHAN, 36305 | 334-793-1129 |
| Slingluff Insurance Agency Inc | Travelers | 508 S OATES ST, DOTHAN, 36301 | 205-792-5101 |
| John Rogers Lutcf | Farmers | 2149 Denton Rd Ste 2, Dothan, 36303 | (334) 702-0634 |
| Flowers Insurance Agency, Llc | None | 2501 W Main St 2501 W Main St, Dothan, 36301 | None |
| Flowers Eufaula Llc | Travelers | 202 E Broad St Eufaula, Columbus, 36027 | None |
Dothan, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$60 | $1,419 |
| Driver's Failure In Showing Documents | +$132 | $1,491 |
| Driving With An Expired Registration | +$140 | $1,499 |
| Driving At A Considerably Slow Pace | +$295 | $1,654 |
| Using A Cellphone While Driving | +$311 | $1,670 |
| Running A Red Light | +$317 | $1,676 |
| Speeding | +$333 | $1,692 |
| Driving A Vehicle Without The Required Permission | +$423 | $1,782 |
| Driving With An Expired/Suspended License | +$916 | $2,275 |
Dothan, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,305 |
| Active Disabling Device | $1,305 |
| Tracking Device | $1,277 |
| Passive Disabling Device | $1,264 |
Latest Auto Insurance Reviews in Dothan, AL | Back to Top
State FarmI haven't had too bad of an experience, hopefully, they'll start deciding/charging my premiums based on my credit score and not my zip code
AllstateI'd recommend AllState's car insurance, since it, like the home insurance, offers good services and even better prices for premiums and deductibles, which more than makes up for its close-to-average offerings.
ProgressiveMy coverage is very competitive compared to others. I have full coverage on 3 vehicles and i pay 150$ per month which is excellent. Keep in mind i have an excellent driving record.
Farmer's InsuranceWith my experience of my two car damage and the way it was handled i highly recommend my company because all of the agreement was duly followed
ProgressiveMy premium and deductible are affordable for my auto insurance and competitive with other companies. I probably pay more but I would not change my auto insurance at this time.
State FarmI really like the roadside assistance services State Farm provides. A couple years ago, I had a rough winter and seemed to have tire issues every other week.
AllstateOur company is better than others for our excellence of high quality products
AaaI haven't looked at premium and deductibles for my policy so I'm not sure how they would compare to mine. I know I can go cheaper but not sure if I would get the coverage that I currently have.
AaaI haven't looked at premium and deductibles for my policy so I'm not sure how they would compare to mine. I know I can go cheaper but not sure if I would get the coverage that I currently have.
Liberty MutualThe premiums are slightly higher than your average insurance which is one reason I get the bundled policies. It helps take down the cost, but is well worth the price when insurance claims are needed.
Haulers InsuranceGreat rates and prices for the coverage that you are getting, good customer service and easy process when you have to file a claim with them.
ProgressiveI usually have no problems with customer service with my insurance, the exception was when I had Hurricane Irma and a tree fell on my carport and fell on my SUV. We could not get out of our driveway because the tree blocked the entrance. I could not get through to anybody because South Florida had been harder than we did. So for three days no access to get out. Finally on the third day I was able to get through, immediately from that point on I had support and help. Rental car, and my SUV towed to the collision center. They worked on it for 6 weeks to rebuild it, and it was better than new totaling 7400.00 All I paid was the $250.00 deductible.
ProgressiveI researched prices and policies and this was the best deal I could find for my needs.