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Finding the cheapest car insurance quotes in Docena shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Docena
The car insurance rate in Docena is $1099 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $571, making it a popular choice for budget-conscious drivers. Rates in Docena can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $571 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $792 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cincinnati
Cincinnati offers auto insurance
rates at $852
for six months, making it
the third cheapest auto insurance company in Docena.
Docena Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Docena, AL is AutoOwners Insurance Co, offering policies at just $571 for a six-month term. This is followed by Travelers, which has an average six-month premium of $792.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2262 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Docena drivers find the best deals.
The auto insurance costs in Docena fall around $571 for six
months.
The cheapest auto insurance company in Docena is Cincinnati.
Teen drivers pay the highest rate in Docena at $1229 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Docena
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Docena are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Docena. Their Average 6 Month Premium is $148.
Farmers is the most
expensive at $859 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Docena is AutoOwners Insurance Co
at $97 per month and $571
for six months.
Cheapest Full Coverage Car Insurance Quotes in Docena,
AL
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Docena, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Docena, Alabama, may be increasing due to several external factors.
Alabama has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Docena's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Docena
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Docena,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Docena at $27
per
month. At $7229 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Docena.
As young drivers face the highest rates in Docena, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Docena,
Cincinnati is
the cheapest car insurance provider. At $208 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Docena is Farmers, offering
rates of around $3658 for six
months.
Save up to $971/yr on car insurance rates in Docena.
Car Insurance Rates with An Accident in Docena
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Docena, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Docena
The cheapest car insurance companies after an at-fault accident in
Docena include Cincinnati
and AutoOwners Insurance Co, offering $228
and $356,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3135.
Here is a list of driving violations that can increase your car
insurance rates in Docena AL. For example, the car
insurance in Docena
after a DUI increases to $913 for a six
month policy. While the rate increases by $262 for a six-month policy in the case of
a speeding ticket.
Docena auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1101
$183
One Med/PIP claim
$1101
$188
One comp claim
$1135
$189
Two Med/PIP claims
$1135
$193
Not-at-fault accident
$1141
$190
Two comp claims
$1194
$203
Driving without lights
$1309
$218
Failure to wear a seat belt
$1322
$225
Failure to show documents
$1329
$221
Child safety restraint
$1336
$227
Cell phone violation
$1356
$226
Driving with expired registration
$1356
$231
Driving too slowly
$1363
$227
Speeding 6 - 10 MPH over limit
$1363
$232
Speeding in school zone
$1363
$227
Texting while driving
$1363
$232
Speeding 11 - 15 MPH over limit
$1376
$229
Wrong way/wrong lane
$1376
$234
Failure to yield
$1383
$231
Following too closely
$1383
$235
Illegal turn
$1383
$231
Speeding 16 - 20 MPH over limit
$1383
$235
Failure to stop at a red light
$1390
$232
Improper passing
$1390
$236
Passing school bus
$1436
$240
Speeding 21 - 25 MPH over limit
$1443
$245
At-fault accident - less than $1000
$1457
$243
In 65 MPH zone
$1477
$251
At-fault accident - $1000-$2000
$1591
$266
Operating a vehicle without permission
$1624
$276
At-fault accident - greater than $2000
$1637
$273
Open container
$1671
$284
Reckless driving
$1852
$308
Driving with a suspended license
$1933
$329
Racing
$1959
$327
Refusal to submit to a chemical test
$1973
$336
DUI
$2014
$336
Leaving scene of an accident/hit and run
$2094
$356
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Docena after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Docena.
The cheapest car insurance premiums in
Docena are
offered by Cincinnati at $308 for a six-month policy.
However, it can be as
expensive as $3014 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Docena are offered by Cincinnati
at $155. However,
it can be as expensive as $2893
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Docena after Speeding ticket
Car insurance rates in Docena have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Docena dipped by
$217 in January
compared to $224 of December. In other words, there has been an decrease by $7 when you
compare January and December.
The average cost of liability insurance in the Docena dipped to $54 in January,
compared to $56 in December.
This represents an decrease of $2
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Docena. At $2198 for a
six-month policy, insuring
your car at 35060 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Docena?
The car insurance in Docena is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Docena?
The cheapest car insurance in Docena
is $97 per month
for full coverage.
How much is car insurance in Docena for teenagers?
Car insurance for teenagers costs $162 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Docena?
The average cost of car insurance is $973 for a six-month
policy. It will cost around $184 per month to insure your
car in Docena.
Is car insurance expensive in Docena?
Car insurance can be expensive in Docena if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Docena can be
affordable.
What is the best car insurance in Docena,
AL?
The best car insurance company in Docena
AL is
AutoOwners Insurance Co, offering $571 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Docena, AL
Car Insurance Rates by State in the USA (2025 Update)
Docena Car Insurance
