Cheap Car Insurance in Foley, AL
Everything You Need to Know About Auto Insurance in Alabama
Foley, Alabama, has plenty of good, old-fashioned Southern charm alongside incredible attractions that residents and visitors alike can fall in love with. From dolphin and nature tours to railroad museums, there’s a little something for everyone. Foley is growing rapidly, but the city’s infrastructure continues to support the growth and provide residents with everything they need to build a fantastic life for themselves.
In order to drive in Foley, drivers need to carry an active car insurance policy. Drivers who get caught driving without insurance can end up facing high fines, license suspension, and a host of other consequences. Do you know what coverage you need to drive in Alabama? Take a look at these important laws and regulations, pricing information, and more.
How Much Does Car Insurance Cost in Foley, Alabama?
State minimum liability insurance in Foley costs an average of $33 per month—a little more than the state average of $42 per month and the national average of around $67 per month. If you choose to carry full coverage insurance, you’ll find yourself paying an average of $116 per month—much less than the Alabama average of $174 per month or the national average of $224.
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What Does It Mean That Alabama Is At-Fault?
Alabama is an at-fault state for accidents. That means that the driver who caused the accident bears liability for the incident and, in most cases, their insurance will pay the other driver for the damages caused by the accident – up to policy limits.
Some states have no-fault coverage, which means that when drivers suffer injuries in an accident, they will start by turning to their own insurance policies to cover those damages. While no-fault policies can make car insurance rates higher overall, which helps to explain Foley’s lower-cost insurance, they also streamline the payment of costs associated with the accident.
Affordable Car Insurance Rates Comparison by Cities in Alabama
Different cities across Alabama have different car insurance rates based on accident risk in those cities, the challenges faced by drivers, and other unique factors. Take a look at our breakdown to see the average cost of insurance in cities across Alabama.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Foley | $116 | $33 |
| Montgomery | $131 | $37 |
| Birmingham | $133 | $39 |
| Mobile | $135 | $38 |
| Spanish Fort | $121 | $34 |
Affordable Foley Car Insurance Rates by Zip Code
Are you looking for affordable insurance in Foley? You may find that average costs vary somewhat based on your specific zip code. Underwriters use zip codes to assess different risks like road conditions, statistical likelihood of accidents, and possibility of theft.
Compare the rates below to see what you might pay in different local zip codes.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 36530 | $116 | $33 |
| 36535 | $116 | $33 |
| 36536 | $116 | $33 |
| 36542 | $119 | $34 |
| 36580 | $117 | $33 |
Low-Cost Car Insurance Rates by Age in Foley
In addition to your specific geographic location impacting your car insurance rates, you may find that your age has a significant impact. Teen drivers often pay higher premiums for their insurance due to increased accident risk and inexperience. As drivers get older, however, they often pay less on their insurance—until they hit their senior years, when they may see some increases again.
Take a glance at how rates may change as you reach different ages.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $462 | $153 |
| 20s | $133 | $38 |
| 30s | $116 | $33 |
| 40s | $110 | $31 |
| 50s | $105 | $30 |
| 60s | $101 | $29 |
| 70s | $113 | $35 |
*Unless otherwise stated, data is compiled using the following: Male, 30, zip code 36530.
Driving Conditions in Foley
Foley is one of the fastest-growing cities in Alabama. While the city strives to keep up with road infrastructure and other needed updates, traffic challenges can occur, especially around Highway 59. Drivers can expect some delays.
How Many Fatal Accidents Happen in Foley?
Each year, Foley sees an estimated two or three fatal car accidents—a relatively low incidence rate, especially for a city that continues to see steady growth and increased traffic. In general, first responders are able to respond to accidents quickly, allowing injured individuals to quickly get the care they need following a traffic collision.
How Are the Road Infrastructure and Bridges in Foley?
Foley’s overall infrastructure remains relatively steady. However, the city continues to make improvements in order to build the infrastructure needed to keep up with the growing population. The city had a budget of over $72 million in 2024 to aid in road and bridge improvements, including extending city streets to improve the overall flow of traffic. The city does close down its bridges during dangerous weather to improve overall driver safety.
Minimum Car Insurance Requirements in Foley
In Alabama, all drivers are required to hold a minimum amount of liability coverage. These policies can cover the damages the other party incurs if you’re found at fault for an accident. However, general drivers are not legally required to hold collision or comprehensive policies in most instances.
The minimum coverages required in Alabama are:
- $25,000 in bodily injury protection for one person injured in an accident
- A minimum of $50,000 in bodily injury protection coverage for multiple parties that suffer injuries in the same accident
- Property damage protection that offers a minimum of up to $25,000 in coverage
Many drivers carry additional coverage that protects their own property, as well as coverage if an underinsured or uninsured driver causes an accident.
What Are the Penalties for Driving Without Insurance in Foley, AL?
Many drivers wonder what the actual cost of driving without insurance will look like and how it has the potential to impact them long-term. The penalties for driving without insurance in Foley can include:
- $500 in fines for a first offense
- Imprisonment of up to three months for a first offense
- Vehicle impoundment, with a $200 reinstatement fee
- $1,000-$3,000 in fines for a second or subsequent offense
- Imprisonment of up to six months for a second offense
- A $400 reinstatement fee for a second offense
- SR-22, or high-risk, insurance coverage for repeat offenders
Carrying adequate insurance can help drivers avoid these penalties.
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Factors Allowed in Foley Car Insurance Rates
Insurers in Foley can use a variety of potential factors to calculate car insurance rates. These factors may be based on general trends and risks in your area, or they may be specific elements of your driving history.
Underwriters can consider the following when calculating your policy premiums:
- Driving record
- Age
- Driving experience
- Vehicle type and value, especially for full coverage policies
- Specific location
- Credit scores
- The coverage amounts you choose
- Annual mileage
- Claims history
- Marital status
Talking to your insurance agent can help you understand the specific factors that may influence your insurance costs.
Insurance That Helps You Prepare for the Future
Adequate car insurance coverage isn’t just about making sure that you meet the state minimum requirements to avoid fines and jail time. It’s also key for protecting your finances and your future. Without adequate car insurance, you can end up financially liable for the damages that occur in an accident.
For example, if you cause an accident with only minimum liability coverage on your vehicle, you may end up paying your own money to take care of repairs or, in a worst-case scenario, vehicle replacement. Carefully examine your finances and make sure you have a plan in place for your car insurance needs.
What Are the Best Discounts for Car Insurance in Foley, AL?
Discounts for car insurance can make it more affordable while still providing you with the coverage you need. Your insurance agent can guide you through the specific discounts they offer and whether or not you can apply for them. Common discounts include:
Your agent may not offer these discounts on their own. So make sure you ask about the available solutions—especially if you’ve recently seen your insurance rates go up.
Get an Online Quote for Car Insurance in Foley Today!
Carrying adequate car insurance is essential for protecting your finances in the event of an accident. Fortunately, there is coverage available that fits your needs. At Freeway Insurance, we offer a wide range of insurance options customized for your budget. Get started with a convenient quote online. You can also visit us at a local office near you or call us at (800) 777-5620 for personal assistance.