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Get Cheap Car Insurance in Phenix City, AL
We monitor insurance prices, helping the average driver in Phenix City save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Phenix City
The chart below shows the cheapest car insurance company in Phenix City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Phenix City Insurer | Monthly Cost |
|---|---|
| Travelers | $72 |
| Gainsco | $75 |
| State Farm | $78 |
| Safe Auto | $79 |
Savings for Every Kind of Phenix City Driver
Based on our extensive insurance data, we know the average Phenix City driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $399 per year by choosing the right vehicle insurance company. Some Phenix City residents are paying out over $1,610 extra every year for auto insurance in Phenix City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phenix City, AL Savings / Yr. |
|---|---|
$399 |
|
$542 |
|
$508 |
|
$577 |
|
$1,252 |
|
$69 |
|
$341 |
Phenix City Car Insurance vs. Alabama
People living in Phenix City pay an average of 0.44% more than the typical driver in the state. The average driver in Phenix City can expect to pay about $1,063 per year, or $1,610 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Phenix City for most people.
Car Insurance Prices by Phenix City Neighborhood
Insurance Prices
Where is insurance cheapest within Phenix City?
The map shows insurance prices in and around Phenix City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $495 per year within the city boundaries, with insurance premiums ranging from a high of $1,964 to a low of $1,469. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Phenix City.Pick the Best Car Insurance Company for You in Phenix City
The best car insurance provider for most drivers in Phenix City
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $399 over the average Phenix City car insurance company.
The best car insurance provider for Phenix City drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $542 over the competition.
The best car insurance company for Phenix City drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $508 better than other car insurance companies.
The best auto insurance for Phenix City drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $577 less each year.
The least expensive car insurance company for new and young drivers in Phenix City
In Phenix City, Travelers costs young drivers $1,252 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phenix City
State Farm gave the largest car insurance discounts to married couples, averaging $69 saved each year compared to an average Phenix City couple's premiums.
The cheapest car insurance in Phenix City for drivers with bad credit
The best Phenix City car insurance company for customer service
Nationwide was the best company for customer service in Phenix City according to the NAIC.
Recent price drops
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The cheapest large national provider in Phenix City
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Phenix City driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Phenix City, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Phenix City
What Influences the Cost of Car Insurance in Phenix City?
On average, car insurance in Phenix City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Phenix City are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Phenix City is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Phenix City is $89 per month for minimum coverage and $134 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Smiths Station: Insurance costs 0.31% less
- Smiths: Insurance costs 2.24% less
- Columbus: Insurance costs 14.60% more
- Fort Benning: Insurance costs 4.04% more
- Fort Benning South: Insurance costs 2.67% more
- Nuckols: Insurance costs the same
- Salem: Insurance costs 4.72% less
- Seale: Insurance costs 3.60% less
- Fort Mitchell: Insurance costs 1.12% less
- Cottonton: Insurance costs 5.59% less
Cities with Similar Populations
- Brentwood: Insurance costs 89.44% more
- West Allis: Insurance costs 27.52% less
- Weslaco: Insurance costs 15.47% more
- Wellington: Insurance costs 85.65% more
- Tigard: Insurance costs 1.68% more
- The Hammocks: Insurance costs 101.30% more
- Taylorsville: Insurance costs 4.04% less
- Smyrna: Insurance costs 11.49% less
- Sheboygan: Insurance costs 32.55% less
- Revere: Insurance costs 31.06% more