Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Fairhope, Alabama (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fairhope, Alabama.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
Bonnie Stinson
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Fairhope

On average, drivers pay approximately $71 per month for minimum coverage in Fairhope, Alabama, and $109 per month for full coverage. That’s roughly 18% less than the state average for
car insurance
.
If you’re shopping for a new policy or you want to save money in Fairhope,
Jerry
can help you find
cheap coverage
in Alabama. See how Jerry has helped real drivers in your area with car insurance. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$203
Olivia, 30
Zip: 36532
Mitsubishi Outlander Sport ES
• State Minimum Liability
• Comp / Collision
Clearcover
$78
Angel, 23
Zip: 36532
Acura TL
• State Minimum Liability
Gainsco
$142
Mathilda, 65
Zip: 36532
Ford Edge Sport
• State Minimum Liability
• Comp / Collision
The General
$134
Gary, 31
Zip: 36532
Acura TSX
• State Minimum Liability
coverageLast Updated Mar 24, 2024

Best car insurance companies in Fairhope

National General
and
Aspire Advantage
earned good ratings among smaller insurers in Fairhope.
GEICO
and
State Farm
earned mixed reviews when customers were asked to rate these companies on policy cost and customer service.
Ultimately, there is no single “best” company in Fairhope. Only you can identify what matters most to you. For some drivers, it’s cost, but others drivers want a balance between cost and claims handling ratings. 
Here’s how real drivers in Fairhope assessed insurance companies across a variety of criteria on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
4.2
4.1
Safeco
4.3
3.7
N/A
4.3
Travelers
3.7
3.7
N/A
3.7
Geico
3.6
2.5
3.7
4
Allstate
3.5
3.5
N/A
3.5
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Fairhope

Every driver must carry minimum liability coverage in Alabama. This is usually the cheapest way to get coverage in Fairhope. But it’s also the lowest amount of protection, which is why many Alabama drivers opt for full coverage to protect their own vehicles.

Cheap minimum liability insurance quotes in Fairhope

All Alabama drivers are required by
state law
to carry a certain level of minimum
liability coverage
. It’s summarized as 25/50/25 in Alabama.
Car insurance in Fairhope, AL, must not dip below these minimum levels, although it can exceed them. Take a look at these rates from real Fairhope drivers who found minimum coverage with Jerry.
card cover
Ryan (30 years old)
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carMitsubishi Outlander Sport ES
$187
per month
card cover
Miguel (40 years old)
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carChevrolet Tahoe C1500
$93
per month
card cover
Martha (31 years old)
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carAcura TSX
$113
per month

Do you need more than minimum coverage in Fairhope?

In strict legal terms, no—however, limits of 25/50/25 may not cover all the costs in an accident. You are still responsible for all damages that you cause, even if your policy maxes out.
Say you total someone’s new car. That’s a $40,000 replacement cost, and your policy only covers $25,000 of that sum. As a result, most experts recommend that you purchase as much liability coverage as you can afford, such as 50/100/50 or 100/300/100.
This may only bump up your monthly premium by no more than a few dollars, but it will provide extra financial protection in both minor and serious collisions.

Cheap full coverage car insurance quotes in Fairhope

Liability protects other people, but it doesn’t protect your own vehicle in an accident. You’ll need
full coverage
if you want help paying for repair or replacement on your car.
Along with standard liability coverage, most full coverage policies also include:
  • Collision coverage
    : This pays to repair collision-related damages, whether you hit a car or a stationary object.
  • Comprehensive coverage
    : This pays to repair non-collision damages, ranging from theft and vandalism to wind storm damage.
While the state of Alabama does not require full coverage, note that lenders may mandate it. If you financed a vehicle, you might be compelled to carry full coverage until the loan is paid off.
Full coverage is helpful, but adding higher liability limits and add-on coverages, such as
uninsured motorist coverage
, helps to round out your policy and provide you with more protection. Take a look at some of the cheapest Fairhope full coverage quotes, which drivers found through Jerry.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$203
Olivia, 30
Zip: 36532
Mitsubishi Outlander Sport ES
• State Minimum Liability
• Comp / Collision
Safeco
$93
Miguel, 40
Zip: 36532
Chevrolet Tahoe C1500
• State Minimum Liability
• Comp / Collision
National General
$100
Nathaniel, 65
Zip: 36532
Ford Edge Sport
• State Minimum Liability
• Comp / Collision
Assurance America
$175
Marcus, 23
Zip: 36532
Hyundai Santa FE Sport
coverageLast Updated Mar 21, 2024
Comparing rates is boring, but saving money? That’s exciting. Jerry is a free mobile app that helps drivers compare rates and sign up for a policy. It’s a
legit
way to save money and speed up the shopping process when hunting for an auto insurance policy.
Lower my car insurance too!

Average cost of car insurance in Fairhope

The average cost of car insurance in Fairhope is approximately $71 per month or $852 for liability-only coverage. For full coverage, the average rate is about $109 per month, or $1,308 annually.
An average can help you understand what’s typical, but it’s not a good representation of what your rate will be. Your costs will be higher or lower depending on your unique driver profile, such as age, zip code, driving history, and model.

Car insurance quotes in Fairhope by rating factors 

Every company has a unique formula for
calculating your rates
, and not all providers use the same determining factors. However, there are a few core elements that they do consider:
  • Type of car: Cars with higher replacement costs tend to cost more to insure, such as luxury and sports models.
  • Driving history: A history of violations indicates that you might get more tickets or cause more accidents in the future, so expect higher rates.
  • Location: Some zip codes have higher accident rates or theft profiles, and you’ll pay more if your car is parked in one of these areas. For instance, go north on the map to Daphne and you’ll find a larger population, which means more chances to get into an accident.
  • Age: Younger drivers tend to pay much higher rates for coverage, especially if they’re under 25 years old. 

How do different factors impact your car insurance costs in Fairhope?

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
icon
Prohibited (or effectively prohibited): Alabama currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Fairhope:

Cheap car insurance quotes in Fairhope after driving violations

Violations are a key indicator of risk, so car insurance companies in Fairhope charge higher rates with an
Alabama driving history
that includes tickets. These higher rates can stick around for years, depending on the type of violation.
Here are some of the most common violations in Fairhope:

Cheapest car insurance in Fairhope after speeding ticket

Speeding tickets tend to bump up your rates. But Fairhope drivers have still found good rates with Jerry—see below for average prices for car insurance in Fairhope, AL after a speeding ticket. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Nationwide
$72
Frank, 44
Zip: 36532
Mazda B3000
• State Minimum Liability
Speeding 6-10
Nationwide
$64
Sophie, 30
Zip: 36533
Dodge Caliber
• 50,000/100,000 Liability
coverageLast Updated Mar 23, 2024

Cheapest car insurance in Fairhope after DUI

DUIs in Alabama
carry significant fees and penalties, in addition to triggering higher insurance premiums. Every company weighs DUIs differently, but some will refuse coverage to drivers with a DUI.
Shopping for car insurance after a DUI in Alabama can be challenging, but Jerry has helped these drivers find auto coverage.
card cover
Gary (31 years old)
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carAcura TSX
$134
per month

Cheapest car insurance in Fairhope after an at-fault accident

Causing accidents is a major red flag for insurers because it predicts future risk. As a result, claims or at-fault accidents can raise your rates in Fairhope.
If you have an at-fault accident on record, check out what your neighbors in Fairhope with the same challenge are paying for coverage.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$99
Nathaniel, 38
Zip: 36532
Honda Civic SE
• State Minimum Liability
• Comp / Collision
Not At Fault
State Auto
$146
Amelia, 38
Zip: 36532
Honda Civic SE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$93
Brett, 40
Zip: 36532
Chevrolet Tahoe C1500
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 21, 2024

Cheapest car insurance in Fairhope after other driving violations

From driving through a stop sign or driving on a suspended license, there are a lot of reasons why you might be facing higher-than-average rates. 
See Fairhope rates for drivers with violations on record, and pay special attention to which violations cause the highest rates.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Nationwide
$71
Caroline, 35
Zip: 36533
Plymouth Voyager
• 100,000/300,000 Liability
Defective Equipment
AAA
$79
Helen, 42
Zip: 36532
Pontiac Aztek
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 27, 2024

Cheap car insurance quotes in Fairhope by age

Age is a key risk factor, according to car insurance companies. Young drivers have less experience and they’re more likely to cause accidents, whereas older drivers have slower reflexes and their recovery costs are higher after an accident.

Cheapest car insurance in Fairhope for young drivers

Drivers under 25 tend to pay the highest rates for insurance, especially
teen drivers
under 19. Most new drivers will benefit from a full coverage policy with higher limits and add-on features, such as roadside assistance.
Cut costs on insurance by staying on a parent or guardian’s policy, qualifying for a good student discount, or by shopping for car insurance with an app like Jerry. Here are some of the recent rates real teens in Fairhope received using the Jerry app.
card cover
Clearcover
Angel (23 years old)
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
$78
per month
card cover
Marcus (23 years old)
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carHyundai Santa FE Sport
$175
per month

Cheapest car insurance in Fairhope for senior drivers

After age 65, rates tend to skyrocket again to account for the increased risk that older drivers face on the road. Check out these
rates for senior drivers
in Fairhope.
card cover
Gainsco
Mathilda (65 years old)
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carFord Edge Sport
$142
per month

Cheap car insurance quotes in Fairhope based on insurance history

A
lapse in coverage
indicates risk, even if you’re currently insured but had a lapse in the past.
Expect higher-than-average rates if you have not maintained continuous coverage—but shop around to find affordable rates, like these Fairhope drivers did with help from Jerry. 
As a bonus, Jerry helps you avoid future lapses by sending reminders to pay on time and renew coverage before your policy expires.
card cover
Gregory (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carMitsubishi Outlander Sport ES
$203
per month
card cover
Justin (40 years old)
Currently Insured
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carChevrolet Tahoe C1500
$93
per month
card cover
Gainsco
Jason (65 years old)
Currently Insured
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carFord Edge Sport
$142
per month
card cover
Joseph (38 years old)
Currently Insured
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
$146
per month
card cover
Leona (40 years old)
Currently Insured
coverageCoverage
State Minimum
locationFairhope, AL
(Zip Code: 36532)
carChevrolet Tahoe C1500
$93
per month

Cheap car insurance quotes in Fairhope for drivers with poor credit

Credit score is correlated with risk, and in Alabama insurance agencies are allowed to consider your credit score when calculating rates.
Drivers with high credit scores can expect the best rates because they’ve proven that they pay their bills regularly. But if you have a rate under 600, expect to pay more than the average driver in Fairhope.
Jerry has years of experience helping low-credit drivers find insurance coverage in Fairhope. Check it out.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$99
Nathaniel, 38
Zip: 36532
Honda Civic SE
• State Minimum Liability
• Comp / Collision
660 - 750
National General
$64
Victor, 53
Zip: 36532
Chevrolet Trailblazer
• State Minimum Liability
550 - 659
State Auto
$121
Edith, 54
Zip: 36532
Mercedes-Benz GL 450 4matic
• State Minimum Liability
• Comp / Collision
< 550
Progressive
$84
Mae, 37
Zip: 36532
Honda Accord EX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 21, 2024

How to lower car insurance costs in Fairhope

1. Shop around and compare quotes

Algorithms change all the time, so there’s no guarantee that your current low rate will still be the lowest rate when your policy renews. 
Compare quotes every six months to make sure you’re paying the absolute best rate for your preferred coverage options. It’s free and you’re not obligated to switch, but you should know if you’re overpaying.

2. Hunt for car insurance discounts

You can save money by unlocking common discounts at most major companies. Ask your insurance agent about these
car insurance discounts
:
  • Bundling discount:
    Bundle
    your auto with homeowners insurance or renters insurance and save overall. Home insurance means condo insurance, too. You can bundle with life insurance as well.
  • Good driver discount: Go claims-free for a certain number of years (varies by company) and earn a sizable discount on coverage.
  • Good student discount: Show proof of enrollment and proof of a B average and save money on insurance. High school and college students are eligible for this deal.
  • Telematics discount: Agree to allow your insurer to track your driving behavior and you could get rewarded for safe driving behavior. You usually get a discount for signing up, too.

3. Increase your deductible for comprehensive and collision coverage

Full coverage policies mandate a deductible before they pay out. This is the out-of-pocket payment you have to contribute before your policy kicks in.
If you can comfortably pay for a higher deductible, you can save a few bucks on your monthly premium without losing any coverage.

FAQ

How much is car insurance in Fairhope?

Fairhope drivers pay about $71 per month for minimum coverage, and $190 per month for full coverage—but average is just average. You should expect to pay less or more depending on your unique driver profile. Your costs may be lower if you have a clean record, but they might be slightly higher if you opt for more coverage.
Pull custom quotes for yourself with Jerry to see what companies are offering for a driver like you in Fairhope. 

What is the cheapest car insurance in Fairhope?

We can’t point to one company that always gives the lowest rate. Rates change frequently and every driver is different! The average rate is $131 per month but you could pay less if you unlock discounts, personalize coverage, and drive a safe and affordable model. 

What is the best car insurance in Fairhope?

Clearcover, Embark General, and Liberty Mutual earned good ratings from Fairhope drivers in a recent survey. But there are lots of great companies in Alabama, like Farmers insurance, State Farm insurance, or Allstate insurance. Some offer lower prices whereas others rate better for claims handling or excel in offering services in Spanish. 
Review all the data with Jerry so you can pick a company that’s “best” for your insurance needs. 

What is the minimum car insurance in Fairhope, Alabama?

25/50/25 is the minimum liability coverage required of all Alabama drivers. That means $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 per accident for property damage. Experts recommend increasing liability limits to 50/100/50 or 100/300/100 if you can afford it—get a quote, and you might be surprised how little it costs.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.