Buy Cheap Phenix City, AL Auto Insurance (2021)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • 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.

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