Cheap Auto Insurance in Enterprise, Alabama (2024)

A city of around 30,000 people, Enterprise has lower car insurance rates than many other cities in Alabama. The average cost for a liability-only policy in Enterprise is about $60 per month, and full coverage costs $118. By comparison, the state averages for liability-only and full-coverage car insurance are $62 and $166, respectively.

Multiple factors contribute to Enterprise’s lower car insurance costs, including the city’s comparatively small population and low population density, its distance from the Gulf of Mexico, and its lower risk of storm damage.

Here’s what you should know about getting cheap car insurance in Enterprise.

Best car insurance companies in Enterprise, Alabama

Though cost is a major factor you should consider when choosing an auto insurance policy, the cheapest insurer you find may not provide the best coverage options for you. It’s essential to shop around for coverage while keeping your unique insurance needs and financial situation in mind.

Here are three of the best insurers offering quality coverage in Enterprise.

Best insurer for cheap rates: Auto-Owners

Best insurer for young drivers: State Farm

Best insurer for military members: USAA

How to get the cheapest car insurance in Enterprise

Car insurance companies look at many factors when calculating insurance rates, including your driving history, age, gender, location, credit history, and the type of vehicle you drive. Here are some actions you can take to potentially lower your car insurance rates:

• Compare quotes from different companies. Shopping around for auto coverage can help you find an affordable policy that best meets your needs. Consider using an online quote-comparison tool or working with an independent insurance agent to simplify your search and save money.

• Stay safe on the road. Focus on staying safe behind the wheel to help keep your auto insurance coverage costs manageable.

• Take a defensive driving course. Insurance companies tend to offer lower rates to safe drivers. Consider taking a defensive driving course to get the best rates.

• Build your credit. Your credit score will also affect your insurance rates in Enterprise. Aim for good or excellent credit to get the lowest possible prices.

• Ask about discounts. Many insurers offer discounts on car insurance policies that can result in savings. For instance, you can earn a bundling discount for choosing multiple insurance products from the same company.

Cheapest liability-only car insurance in Enterprise: Auto-Owners

You can typically find the lowest rates for a liability-only policy. Liability coverage protects you financially if you cause an auto accident and injure the other driver or damage their vehicle.^[1] Drivers with a high-mileage, older vehicle may only need liability coverage, but other vehicle owners should consider additional coverage beyond the state’s minimum requirements.

The following insurers offer the cheapest liability-only policies in Enterprise.

Cheapest full-coverage car insurance in Enterprise: Auto-Owners

Opting for full-coverage car insurance will provide you with more financial protection and can make sense if you drive a newer vehicle. In addition to liability insurance, full-coverage insurance includes comprehensive and collision insurance.

Comprehensive insurance covers damage to your car following a non-collision event, like fire, severe weather, or vandalism. Collision insurance kicks in for damage to your car from an accident, regardless of fault.

Here are the cheapest full-coverage insurance options in Enterprise.

Car insurance requirements in Alabama

Alabama is a tort, or fault, state. This means the driver who caused an accident must cover the other driver’s costs associated with that incident. This includes damage to another driver’s vehicle and any medical expenses for the driver and passengers in that vehicle.

Here are the minimum car insurance requirements for Alabama drivers:^[2]

Depending on your vehicle and budget, you may want to purchase additional coverage for more protection. Your lender may even require you to purchase collision and comprehensive coverages if you’re financing your car.

Here are a few common optional coverages to consider:

• 

  Collision coverage

  Collision insurance provides coverage for vehicle damage and the repairs to your car from a covered accident.

• 

  Comprehensive coverage

  For non-collision incidents, comprehensive insurance reimburses you for damage to your car. These incidents can include theft, burglary, fire, and a covered weather event.

• 

  Medical payments coverage

  If you face injury from an accident, medical payments coverage can pay for your resulting medical expenses up to your coverage limits.

Cheapest car insurance for drivers with an incident

Past incidents like a speeding ticket, driving under the influence (DUI) charge, at-fault accident, or reckless driving incident typically affect the cost of your auto coverage in Enterprise. Your monthly premiums will likely increase because your car insurance company may view you as a high-risk driver.^[3]

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Cheapest car insurance for drivers with a speeding ticket: USAA

Drivers in Enterprise with a clean record pay lower insurance rates than people with a speeding ticket. If you have past tickets on your record, your car insurance company may charge you more to account for the additional risk. However, a single speeding ticket typically won’t affect your monthly premium significantly.

Enterprise drivers with speeding tickets face average monthly car insurance rates of $184 for full coverage and $94 for liability-only policies. The following companies offer the cheapest liability-only coverage for Enterprise drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: USAA

Having one or more at-fault accidents on your driving record will increase your insurance costs — typically more so than a speeding ticket. The severity of the accident and details of your resulting claim may also influence your insurance premium.

An at-fault accident boosts average car insurance rates in Enterprise to $192 per month for full coverage and $98 for minimum coverage. Here’s what you can expect to pay for minimum coverage in Enterprise with a past accident on your record.

Cheapest car insurance for drivers with a DUI: USAA

A DUI is one of the most serious driving offenses, so having one on your record makes you a high-risk driver. Car insurance is typically harder to find and more expensive if you have a history of driving under the influence.

Here’s a look at the average monthly cost of liability-only coverage for drivers with a DUI from auto insurers in Enterprise.

Cheapest car insurance for seniors: Auto-Owners

Drivers between the ages of 35 and 75 tend to earn steadily decreasing car insurance rates as they age due to more experience behind the wheel than younger drivers. As senior drivers reach the age of 75 and older, they may face slightly increased insurance rates to account for new age-related risk factors.

Senior drivers in Enterprise pay, on average, $84 per month for full coverage and $43 for liability-only policies. Here are some of the cheapest coverage options for senior drivers in Enterprise.

Cheapest car insurance for teens: COUNTRY Financial

Auto insurers typically view teenagers as high-risk drivers due to their lack of experience, and they charge higher premiums as a result. If you’re a teen driver, you can take these steps to keep your insurance costs manageable:

• Stay on your parents’ insurance. Obtaining your own insurance policy is often more expensive than joining your parents’ policy.

• Drive a safe car. Cars with several safety features are often cheaper to insure than cars without those features, so opting for a safe car is a good idea.

• Take advantage of discounts. Insurers often offer good student discounts for maintaining a certain GPA.

Car insurance rates for teenage drivers in Enterprise average $217 for full coverage and $110 for minimum coverage. Here are the cheapest auto insurers for teen drivers in Enterprise.

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Enterprise car insurance quotes by credit tier

Your credit score can affect the cost of your car insurance policy in Alabama. In general, drivers with excellent or good credit scores can get cheaper auto coverage than those with poor credit scores.

Below, you can find the average quotes for full-coverage car insurance in Enterprise by credit tier.

Is car insurance more expensive in Enterprise?

Drivers in Enterprise pay less for car insurance than the average cost of coverage in Alabama. A full-coverage policy averages $118 per month in Enterprise, while drivers pay around $60 for liability insurance. The state-level averages for Alabama are $166 for full coverage and $62 for minimum-coverage policies.

The city of Enterprise is a mix of rural and suburban areas, which may partially explain why residents benefit from affordable rates. Having fewer cars and people in an area creates less of a risk of auto accidents.

More cities in Alabama

Enterprise ranks 21st in population size in Alabama, and its car insurance rates reflect its smaller size. Here's now Enterprise's car insurance rates compare to averages in other Alabama cities.

Enterprise, Alabama, car insurance FAQs