Dothan drivers pay an average monthly premium of $100 for full coverage, which is the same as the state average and significantly lower than the national average of $140. It is lower than more populated Alabama cities like Birmingham, Mobile, and Montgomery.
The state-required minimum car insurance is $49 on average, roughly the same as the national average of $47 and higher than the state minimum average of $37.
What Does Full vs Minimum Mean?
Several types of auto insurance policies are available, including state minimum liability and full coverage which includes comprehensive and collision insurance.
With full coverage, you get the liability required by Alabama (or more if you choose to increase your levels), plus comprehensive and collision. Comprehensive helps pay for things that mostly happen when you are not driving, such as storm damage and car theft. Collision helps pay for repairs to your vehicle after a covered event, such as a wreck, regardless of who is at fault.
The state liability is designed to protect other drivers and their passengers if you cause a wreck. It will help pay for damages up to your policy limits. Anything over that comes out of your pocket. Your liability will never pay for repairs to your vehicle, which is why some drivers choose full coverage. Remember, you can always increase your liability limits.
Your independent Freeway agent can help you decide the best car insurance for your circumstances.