Cheap Quotes for Phenix City, AL Car Insurance (2021)

Phenix City, Alabama car insurance rates average $321 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Phenix City, AL companies, you can find cheap Phenix City car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Phenix City, AL for senior drivers are $2,034/year
  • The cheapest car insurance company in Phenix City is USAA
  • Average car insurance rates in Phenix City, AL are $321/month

How do the Phenix City, Alabama monthly average car insurance rates of $321/month compare to nearby cities like Auburn car insurance rates, Madison car insurance rates, and Huntsville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Phenix City, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Phenix City, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Phenix City, Alabama companies to find the most affordable Phenix City car insurance rates.

Enter your ZIP code above to find cheap Phenix City, AL car insurance quotes today.

What are the minimum Phenix City, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Phenix City, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car 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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Average Phenix City, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Phenix City, AL you can see that rates will vary by ZIP code.

Annual Car 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

How do age, gender, and marital status affect Phenix City, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Phenix City, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Phenix City car insurance companies.

Annual Car 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

How much do teen drivers pay for car insurance in Phenix City, AL?

Phenix City, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Phenix City car insurance rates from multiple Phenix City, Alabama car insurance companies to get the best deal.

Annual Car 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

How much do senior drivers pay for car insurance in Phenix City, AL?

With a little research, seniors can find affordable car insurance in Phenix City, Alabama. Here’s a look at how the top Phenix City car insurance companies stack up.

Annual Car 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

How does coverage level affect Phenix City, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Phenix City, AL car insurance rates will be. Let’s take a look.

Annual Car 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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How does your driving record affect Phenix City, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Phenix City, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Phenix City, Alabama companies.

Annual Phenix City, Alabama Car 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

How does a DUI affect Phenix City, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Phenix City, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Phenix City, Alabama

Insurance Company Annual Car 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

How does your credit history affect Phenix City, AL car insurance rates?

Take a look at the data here to see how your Phenix City, Alabama car insurance rates are affected by your credit history.

Annual Car 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

How does your commute affect Phenix City, AL car insurance rates?

Phenix City, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Phenix City if you’re financing.

Annual Car 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

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Who has the cheapest Phenix City, AL car insurance rates?

Here’s a breakdown of Phenix City, Alabama car insurance rates by company. You can see which company offers the cheapest Phenix City car insurance rates in each category.

Best Annual Car 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

What are the top Phenix City, AL car insurance companies?

Which Phenix City, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Phenix City companies to find the one for you.

Average Annual Car 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 factors affect Phenix City, AL car insurance rates?

Why are Phenix City, Alabama car insurance rates different than rates in Auburn or Madison? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Phenix City, AL?

FBI statistics show that the Phenix City, Alabama car theft rate is 156 thefts each year. High theft rates can lead to higher than average Phenix City, AL car insurance rates.

How long is the average commute in Phenix City, AL?

More time spent behind the wheel can lead to higher Phenix City, Alabama car insurance rates. In Phenix City, AL, the average commute length is 22.2 minutes.

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Car Insurance Quotes for Phenix City, AL

Shop for affordable Phenix City, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Phenix City, AL car insurance companies.

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