Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Phenix City, AL for senior drivers are $2,034/year
  • The annual number of car thefts in Phenix City is 156.
  • Average car insurance rates in Phenix City, AL are $321/month

Average car insurance rates in Phenix City, Alabama are $321 a month. But with a little research you can get a great deal from the top car insurance companies in Phenix City, AL. Before you buy Phenix City, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Phenix City car insurance rates with Dothan car insurance rates, Tuscaloosa car insurance rates, or Montgomery car insurance rates to make sure you’re getting the best Phenix City, AL car insurance quotes available.

Need affordable Phenix City, AL car insurance? Enter your ZIP code to compare Phenix City car insurance quotes from multiple car insurance companies near you.

Phenix City, AL Minimum Car Insurance Coverage

Phenix City, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

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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Phenix City, AL Car Insurance Rates by Coverage Level

Some Phenix City drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Phenix City, Alabama car insurance rates may be based on the coverage you need.

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

Phenix City, AL Car Insurance Rates by Age, Gender, and Marital Status

Phenix City, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Phenix City, AL car insurance, get quotes from multiple car insurance companies in the Phenix City area and see how these criteria affect your rates.

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

Phenix City, AL Car Insurance Rates for Teens

How much is Phenix City, Alabama car insurance for teens? Compare rates from top Phenix City car insurance companies below to help find the cheapest teen car insurance in Phenix City, AL.

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

Phenix City, AL Car Insurance Rates for Seniors

Before seniors buy Phenix City, Alabama car insurance, they should make sure to shop around. Some Phenix City, AL car insurance companies may offer discounts or other savings options for senior car insurance.

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

Phenix City, AL Car Insurance Rates by Credit History

How does your credit history affect Phenix City, AL car insurance rates? Review the numbers here to find out.

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

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Phenix City, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Phenix City, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Phenix City.

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

Phenix City, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Phenix City, AL car insurance rates. Compare rates below to see which Phenix City car insurance company has the best rates for drivers with a DUI.

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

Phenix City, AL Car Insurance Rates by ZIP Code

Just like Phenix City car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Phenix City, AL car insurance rates fluctuate 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

Phenix City, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Phenix City, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Phenix City companies based on commute time.

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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Phenix City, AL Cheapest Car Insurance Rates

How do the top Phenix City, Alabama car insurance companies’ average rates stack up against the Phenix City average monthly car insurance rates of $321? Take a look and see.

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

Phenix City, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Phenix City, Alabama car insurance companies to help you find one that best fits your needs.

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

Other Factors Affecting Phenix City, AL Car Insurance Rates

Before you buy Phenix City, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Phenix City, AL Car Theft Rates

The car theft rate in Phenix City, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Phenix City, Alabama is 156 stolen cars.

Phenix City, AL Commute Time

How does your Phenix City, AL commute time compare with the average driver? In Phenix City, the average commute is 22.2 minutes.

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Phenix City, AL Car Insurance Quotes

Compare Phenix City, AL car insurance quotes from multiple companies by entering your ZIP code now.