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Cheapest car insurance in Fairhope, Alabama (Oct 2024)
Cheapest car insurance in Fairhope, Alabama (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fairhope, Alabama.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Fairhope
- Best car insurance companies in Fairhope
- Best cheap car insurance quotes in Fairhope
- Average cost of car insurance in Fairhope
- Car insurance quotes in Fairhope by rating factors
- How do different factors impact your car insurance costs in Fairhope?
- Cheap car insurance quotes in Fairhope by age
- Cheap car insurance quotes in Fairhope based on insurance history
- Cheap car insurance quotes in Fairhope for drivers with poor credit
- How to lower car insurance costs in Fairhope
- FAQ
- Methodology
- Meet our experts
Load full table of contents
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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $203 | Francisco, 31 Zip: 36532 | Mitsubishi Outlander Sport ES | • State Minimum Liability • Comp / Collision |
| Allstate | $161 | Duane, 77 Zip: 36532 | Nissan Altima 2.5 | • 50,000/100,000 Liability • Comp / Collision |
| Assurance America | $175 | Clara, 24 Zip: 36532 | Hyundai Santa FE Sport | • State Minimum Liability • Comp / Collision |
| The General | $134 | Eugene, 31 Zip: 36532 | Acura TSX | • State Minimum Liability |
Last Updated Oct 4, 2024Best 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 company | Overall rating | Price | Claims experience | Customer 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 |
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.
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.- $25,000 per person inbodily injury liability
- $50,000 per accident in bodily injury liability
- $25,000 per accident inproperty damage liability
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.
Violet (31 years old)
CoverageState Minimum
Fairhope, AL (Zip Code: 36532)
Mitsubishi Outlander Sport ES$187
per month
Gainsco
Jeanette (66 years old)
$142
per month
Eugene (31 years old)
$134
per month
Winnie (35 years old)
$66
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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $203 | Francisco, 31 Zip: 36532 | Mitsubishi Outlander Sport ES |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $161 | Duane, 77 Zip: 36532 | Nissan Altima 2.5 |
• State Minimum Liability • Comp / Collision | Clearcover | $176 | Brandon, 41 Zip: 36532 | Chevrolet Tahoe C1500 |
• 50,000/100,000 Liability • Comp / Collision | Trexis | $145 | Ina, 38 Zip: 36532 | Dodge Grand Caravan SE |
Last Updated Oct 3, 2024Comparing 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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?
How do different factors impact your car insurance costs in Fairhope?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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 Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $74 | Lena, 35 Zip: 36533 | Chevrolet Corvette | • 100,000/300,000 Liability • Comp / Collision |
Speeding 6-10 | Progressive | $66 | Polly, 38 Zip: 36532 | Dodge Charger | • 50,000/100,000 Liability |
Last Updated Oct 7, 2024Cheapest 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.
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance 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 | Callie, 38 Zip: 36532 | Honda Civic SE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $93 | Georgia, 40 Zip: 36532 | Chevrolet Tahoe C1500 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 1, 2024Cheapest 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.
Last Updated Oct 6, 2024Cheap 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.
Clara (24 years old)
$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.
Cheap car insurance quotes in Fairhope based on insurance history
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.
Gregory (30 years old)
Currently Insured
CoverageState Minimum
Fairhope, AL (Zip Code: 36532)
Mitsubishi Outlander Sport ES$203
per month
Clearcover
Jacob (23 years old)
$78
per month
Dora (38 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Fairhope, AL (Zip Code: 36532)
$126
per month
Edward (30 years old)
Currently Insured
CoverageState Minimum
Fairhope, AL (Zip Code: 36532)
Mitsubishi Outlander Sport ES$203
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I love actually being able to afford insurance every month and not having to worry about it.
Michele
Just signed up and it was easy. No complaints so far!
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Great!
Beatrice
So far so good, haven't had any issues!
Annasette
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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $99 | Franklin, 38 Zip: 36532 | Honda Civic SE | • State Minimum Liability • Comp / Collision |
660 - 750 | National General | $64 | Tony, 53 Zip: 36532 | Chevrolet Trailblazer | • State Minimum Liability |
550 - 659 | State Auto | $121 | Rosa, 54 Zip: 36532 | Mercedes-Benz GL 450 4matic | • State Minimum Liability • Comp / Collision |
< 550 | Progressive | $84 | Abbie, 37 Zip: 36532 | Honda Accord EX | • State Minimum Liability • Comp / Collision |
Last Updated Oct 7, 2024Cheap car insurance quotes in Fairhope for popular cars
Each car has a unique risk profile. Some have fancier features that cost more to repair, some have better safety features, and some have higher theft rates.
Many Fairhope drivers own one of these common vehicles:
And here are some real rates drivers with popular cars in Fairhope found with Jerry.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic SE | Progressive | $99 | Franklin, 38 Zip: 36532 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 7, 2024How 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:Bundleyour 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
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.
Kianna Walpole
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.
Josh Damico
Head Of Insurance Operations
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.