We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
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 $1048 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $566, 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 $566 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $738 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $799
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 $566 for a six-month term. This is followed by State Farm, which has an average six-month premium of $738.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2242 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 $566 for six
months.
The cheapest auto insurance company in Docena is Cincinnati.
Teen drivers pay the highest rate in Docena at $1309 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 $147.
Farmers is the most
expensive at $851 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 $94 per month and $566
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
undefined
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 $7777 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 $206 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 $3625 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 $226
and $353,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3107.
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 $905 for a six
month policy. While the rate increases by $260 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
$1091
$181
One Med/PIP claim
$1091
$186
One comp claim
$1124
$187
Two Med/PIP claims
$1124
$192
Not-at-fault accident
$1131
$188
Two comp claims
$1184
$202
Driving without lights
$1297
$216
Failure to wear a seat belt
$1310
$223
Failure to show documents
$1317
$220
Child safety restraint
$1324
$225
Cell phone violation
$1344
$224
Driving with expired registration
$1344
$228
Driving too slowly
$1351
$225
Speeding 6 - 10 MPH over limit
$1351
$230
Speeding in school zone
$1351
$225
Texting while driving
$1351
$230
Speeding 11 - 15 MPH over limit
$1364
$227
Wrong way/wrong lane
$1364
$232
Failure to yield
$1371
$228
Following too closely
$1371
$233
Illegal turn
$1371
$228
Speeding 16 - 20 MPH over limit
$1371
$233
Failure to stop at a red light
$1378
$230
Improper passing
$1378
$234
Passing school bus
$1424
$237
Speeding 21 - 25 MPH over limit
$1430
$243
At-fault accident - less than $1000
$1444
$241
In 65 MPH zone
$1464
$249
At-fault accident - $1000-$2000
$1577
$263
Operating a vehicle without permission
$1609
$273
At-fault accident - greater than $2000
$1623
$271
Open container
$1656
$281
Reckless driving
$1836
$306
Driving with a suspended license
$1916
$326
Racing
$1942
$324
Refusal to submit to a chemical test
$1956
$333
DUI
$1996
$333
Leaving scene of an accident/hit and run
$2075
$353
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 $306 for a six-month policy.
However, it can be as
expensive as $2987 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 $153. However,
it can be as expensive as $2867
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 rose by
$222 in December
compared to $218 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Docena rose to $56 in December,
compared to $55 in November.
This represents an increase of $1
when comparing December and November.
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 $2096 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
undefined
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 $94 per month
for full coverage.
How much is car insurance in Docena for teenagers?
Car insurance for teenagers costs $160 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 $936 for a six-month
policy. It will cost around $176 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 $566 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Docena right now.
Find Car Insurance Rates in Cities Near Docena, AL
Car Insurance Rates by State in the USA (2025 Update)
Docena Car Insurance
