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Phenix City, AL Cheap Auto Insurance, Find Local Agents in Alabama for Maximum Savings

3603 Victory Dr,
Col, AL
(706) 507-5887
2449 Airport Thruway,
Col, AL
(706) 324-7121
3614 Us Highway 431 N,
Phenix C., AL
(334) 480-9647
2 Westridge Dr Ste B,
Phenix C., AL
(334) 291-2033
1003 13th St,
Phenix C., AL
(334) 298-6366
3544 U.S. Hwy. 280/ 431 N.,
Phenix C., AL
(334) 297-2902

Cheapest Auto Insurance Providers by Premium & Age

Below is a table list of the most popular insurers which we queried for quotes.

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Over all the two cheapest are Progressive and National General across all ages.

Depending your circumstances if you are an older driver the best options will be with Progressive, State Farm, and National General. For younger drivers you want to compare the same three plus Alfa, Accc, and Infinity.

Phenix City CompanyRate for 30 Y/O DriverRate for 35 Y/O DriverRate for 40 Y/O DriverRate for 45 Y/O DriverRate for 55 Y/O Driver
National General$1,045$890$723$619$534
State Farm$1,054$902$744$644$539
Liberty Mutual$1,190$955$815$714$613
Integon National$1,245$980$821$745$622
Guideone Speciality$1,265$1,021$844$767$623
21st Century$1,308$1,044$888$780$619
Integon General$1,567$1,265$963$822$689

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5213 Armour Rd,
Col, AL
(706) 324-6454
3980 Veterans Pkwy,
Col, AL
(706) 571-6446
3616a Us Highway 431 N,
Phenix C., AL
(334) 297-1188
5651 Whitesville Rd Ste 109,
Col, AL
(706) 576-2602

History, Property Crime, & Driving Laws

The area now known as Phenix City is actually a consolidation of two towns.

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In the late 19th century, the town of Girard comprised mostly of the present-day downtown area of Phenix City, and was mostly in Lee County. In the 20th century, the towns of Girard and Phenix City merged to form the present-day Phenix City.

U.S. Secretary of War Henry Stimson called it “the wickedest city in America” during the 1940's and 1950's. One of the first communities to reinstate the sale of beer after the repeal of Prohibition, by the mid-1950s Phenix City was known for its gin joints, gambling and bawdy houses, and corrupt government. The locals knew the town as “Sin City.”

During the 1940s, Phenix City increasingly came under the control of organized crime bosses who ran gambling, narcotics, and prostitution operations throughout the city. These men rigged local and state elections and held important leadership positions in the Chamber of Commerce, school and hospital boards, and several service organizations.

Concerned citizens began to try to clean up the illegal activities in the city, but were met with violent resistance from the gambling interests. Hugh Bentley, a local businessman and Sunday school teacher, organized a group to clean up the city and had his house bombed as a result.

Today it is a nice place to live and work with nearly 40,000 residents. Business Week magazine rated the city as the “Nation’s Best Affordable Suburb” in which to raise a family in 2007.

Notable attractions include, Lakeview Golf Course, Parkview Shopping Center, Westside Church, Lake View Memory Gardens, and Asbury Park Lake.

Property Crime
The local auto theft rate for Phenix City is 5.91 per 1,000 vehicles or nearly three times the state average of 2.31 stolen vehicles per 1,000.

Since the automobile theft rate is higher than the state average this will affect the amount you pay for comprehensive auto insurance. Please see table below.

Theft StatisticsPer 100,000
Local Auto Thefts 591.9
Local Thefts (Rate per 1K)5.91
State Thefts (Rate per 1K)2.31
Auto Accidents24
Auto Fatalities6
Property Crime4,717
Larceny Theft2,946.4
DUI Offenses & Penalties
For drivers convicted of a DUI the financial penalty for a 1st and 2nd offense is $600 to $5,100. For the 3rd and 4th offense the cost ranges from $2,100 to $10,000. This does not include attorney fees paid for representation.

To be convicted of a DUI a driver 21 and over needs a .08 BAC or Blood Alcohol Content. For a commercial drivers it is .04 and for drivers under the age of 21 it is .02. For a 150 lb person for .02 BAC it will be approximate 1 drink.

 1st Offense2nd Offense3rd Offense4th Offense
JailNone5 days60 days1 year
Fines and Penalties$600 to $2,100$1,100 to $5,100$2,100 to $10,000$4,100 to $10,100
License Suspension90 days1 year3 year5 year
Ignition Interlock DeviceNoNoNoNo

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1613 Broad St,
Phenix C., AL
(334) 214-0550
3902 Hamilton Rd,
Col, AL
(706) 322-6178
4603 Hamilton Rd,
Col, AL
(706) 324-2431
2310 Crawford Rd Ste 104,
Phenix C., AL
(334) 298-2300
3985 Beallwood Ave,
Col, AL
(706) 324-1581
5201 Armour Rd,
Col, AL
(706) 322-3261
1200 14th St Ste B,
Phenix C., AL
(334) 448-4960
1224 Peacock Ave Ste 103,
Col, AL
(706) 562-0155
5510 Veterans Pkwy Ste 102,
Col, AL
(706) 221-8566
3688 Veterans Parkway,
Col, AL
(706) 561-8935
2301 Airport Thruway Ste F9,
Col, AL
(706) 321-9400
3985 Beallwood Ave,
Col, AL
(706) 322-5611
4809 Armour Rd,
Col, AL
(706) 561-3199
1418 14th St,
Phenix C., AL
(334) 291-0825
4933 14th Ave,
Col, AL
(706) 327-5190
132 N Oakley Dr Ste 6,
Col, AL
(706) 682-2077
1621 Broad St,
Phenix C., AL
(334) 298-9377
4550 Reese Rd,
Col, AL
(706) 569-1510
1401 Wynnton Rd,
Col, AL
(706) 323-3613
1206 Broad St Ste 203,
Phenix C., AL
(334) 298-5626
3908 Hamilton Rd,
Col, AL
(706) 322-6802
200 Brookstone Centre Pkwy Ste 118,
Col, AL
(706) 324-6671
1489 54th St,
Col, AL
(706) 321-9504
2310 Crawford Rd Ste 101,
Phenix C., AL
(334) 297-2337
3906 Buena Vista Rd,
Col, AL
(706) 561-6833
702 14th St,
Phenix C., AL
(334) 298-2511
1656 S Lumpkin Rd Ste D,
Col, AL
(706) 687-7089
3123 Cross Country Hl,
Col, AL
(706) 221-6469
4507 Armour Rd,
Col, AL
(706) 494-3998
1601 12th St Ste 6,
Col, AL
(706) 507-2592
1615 Broad St,
Phenix C., AL
(334) 298-1955
2415 Manchester Expy,
Col, AL
(706) 323-5100
4105 Buena Vista Rd Ste I,
Col, AL
(706) 563-6823
3617 Edgewood Rd,
Col, AL
(706) 563-8871
1912 Opelika Rd,
Phenix C., AL
(334) 291-1923
4909 Armour Rd,
Col, AL
(706) 327-9976
1505 5th Ave,
Phenix C., AL
(334) 291-7844
4511 Armour Rd,
Col, AL
(706) 323-9521
5405 Orchard Dr,
Col, AL
(706) 507-5953
1901 Manchester Expy Ste A2,
Col, AL
(706) 507-3156
1901 Manchester Expy Ste A2,
Col, AL
(706) 576-2344
3706 S Railroad St,
Phenix C., AL
(334) 480-9933
2013 Devonshire Dr Ste 106,
Col, AL
(706) 324-1506
5636 Whitesville Rd Ste A1,
Col, AL
(706) 324-6360
2200 Camille Dr Ste A,
Col, AL
(706) 322-0471
1610 Broad St,
Phenix C., AL
(334) 298-5500
2901 University Ave Ste 27,
Col, AL
(706) 561-7019
12 Woodland Dr,
Phenix C., AL
(334) 291-0234
1901 Stadium Dr Ste C,
Phenix C., AL
(334) 297-1777
6001 River Rd Ste 406,
Col, AL
(706) 571-0093
Top Tips to Save on Your Auto Premium
You want to be sure to compare cheap car insurance quotes and with local agents to maximize your savings.
Top rated insurers like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Be sure to check your policy for mileage. If you drive less you can save hundreds more per year.
Don't assume an older model vehicle cost less to insure. Insurers go by the safety rating.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all discounts. Which can be 20% or more in savings.
A good driving history is the best way to keep your insurance rates as low as possible.
If you pay for coverage upfront in full you can save an additional 10% to 20%.
Don't let your coverage lapse. If so, you will see a spike in rates.
Before buying a car shop for quotes to see how much your premium may be.
If you have an older model vehicle consider dropping optional coverage such as comprehensive and collision.
Do some research and take a few minutes to learn the minimum coverage and other factors which apply in your state.
Maintain good credit to keep your premium as low as possible.
Make sure to do an annual rate check. Plus coverage you may or may not need.

Pros & Cons of Each Insurer

Type company name in search bar to find the pros, cons, and ratings. Otherwise each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
AmicaZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAAJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. USAA is only available to members of the military and their immediate family.5
AllstateAllstate offers a claims satisfaction guarantee. With Allstate's claims guarantee is typically a higher price in premiums. 4.5
American FamilyAttractive features, discounts and benefits including the teen safe driver program. Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. 4.5
Auto-Owners Good enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial Been in business for 85 years and has top financial strength. 24/7 customer service. Coverage is only available in 17 states.4.5
ErieFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. Limited to certain regions of the country. 4.5
GEICOConsistently offers the lowest price. Known to raise rates during the time of the policy. 4.5
NationwideNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
TravelersTravelers offers rates well below the national average. Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
ElectricValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati FinancialOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. 4.2
Liberty MutualStrong customer service with attractive features such a new and better car replacement. New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. 4
MetLifeMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating. Limited availability. Only 14 states you can get a policy.4
Tennessee FarmersLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state. 4
Progressive1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. Doesn't offer new or better car replacement.4
Texas Farm BureauOffers competitive rates for all age drivers particularly drivers over 35. Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. 4
FarmersWith Farmers you can insure about everything. Customer service is not 24/7 and reports of not-so-great claims handling. 4
Plymouth RockExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. 4
Safeco24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. Customers have complained of claims being underpaid. 4
21st CenturyPart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
HartfordMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. Claims satisfaction rating is only 2 out of 5 stars. 4
EsuranceOffers low rates, first rate website, and good customer service. Customers claim Esurance will penalize for cancelling a policy. No local agents. 4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
NJMCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
Safety Ins.VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. 4
WawanesaIf you have a clean driving record your premium should be below average with this insurer. Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. 3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
AlliedRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs. Only available in 19 states.3.5
ArbellaSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
MercuryMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees. 3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms. Not available in all states. Only in Kentucky. 3.5
EncompassStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process. 3.4
ElephantGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average. Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
AcceptanceGreat for non-standard or high risk drivers. Drivers with good driving history will pay above average. Claims process can be time consuming. 3.1
State FarmSuperior claims handling. State Farm has been the best at claims for years. Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates. Claims process can be slow and payout from accidents are lower than expected. 3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. 3
HanoverEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
MapfreCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
KemperKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average. 3
The GeneralHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
SentrySentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. There are a number of customer complaints in the areas of products and services.3
State Auto GroupState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. 3
ChubbCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. Tailors to individuals with higher than average net worth. 3
Good2goOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience. 2.5
InfinityImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great. 2.5
LoyaAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types. 2.5
SafewayIt is difficult to find anything good about this company. Presentation of inconsistent information from website and agents. 2
Access AutoBasic online website with some options so you don't have to talk to an agent. Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. 1.9

Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance Coverage Uninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$899/yrNew Hampshire25/50/25
$893/yrNew Jersey15/30/5
$937/yrNew Mexico25/50/10
$1,041/yrNew York25/50/10
$473/yrNorth Carolina30/60/25
$644/yrNorth Dakota25/50/25
$743/yrRhode Island25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$1,710/yrWest Virginia20/40/10

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