Cheap Auto Insurance in Mobile, Alabama (2025)

National General is the cheapest insurer for Mobile drivers, with minimum-coverage rates as low as $54 per month.

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Cheapest recent rates near Mobile, Alabama

Recent Mobile, Alabama car insurance prices for Chrysler, Lincoln, Toyota , and more.

*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Mobile drivers pay more than other Alabama drivers for car insurance. The Port City has average car insurance rates of $145 per month for full coverage and $75 for liability-only policies, compared to the Alabama state averages of $130 and $65, respectively.

The city’s relatively high number of traffic accidents and population density of more than 1,300 people per square mile likely contribute to Mobile’s higher car insurance rates. But Mobile drivers can still find affordable car insurance by comparing rates from multiple insurers.

Quick Facts
  • National General, State Farm, and USAA have the lowest car insurance rates for Mobile drivers.

  • Drivers in Alabama with any level of fault in an incident can’t sue the other party.

  • Mobile historically has the highest number of traffic accidents in Alabama, according to data from the Alabama Department of Transportation.

Best car insurance companies in Mobile

The best auto insurance company won’t be the same for every driver. That’s because insurance companies consider various factors, and your unique circumstances could make it easier or more challenging to find low rates for car insurance in Mobile. When comparing rates, you’ll want to consider your unique needs, such as being a teen driver or having a spotty driving record.

USAA, Auto-Owners, and State Farm offer consistently affordable rates in Mobile, and while none of these insurers may ultimately be the best insurer for you, researching them is a great place to start your insurance search.

USAA logo
Auto-Owners logo
State Farm logo
Nationwide logo
Farmers logo
Liberty Mutual logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$73/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$74/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$74/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$125/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$136/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$207/mo*
Overall rating
4.9
Overall rating
4.3
Overall rating
4.1
Overall rating
4.3
Overall rating
3.8
Overall rating
3.5
Value for money
4.9/5
Value for money
3.5/5
Value for money
3.8/5
Value for money
3.9/5
Value for money
3.6/5
Value for money
3.3/5
Customer service
4.7/5
Customer service
3.8/5
Customer service
4.1/5
Customer service
4.0/5
Customer service
3.8/5
Customer service
3.3/5
Claims handling
4.9/5
Claims handling
3.9/5
Claims handling
4.1/5
Claims handling
4.3/5
Claims handling
4.0/5
Claims handling
3.6/5
Special highlight
AI-generated from 1244 user reviews
Members of the military community
Special highlight
AI-generated from 135 user reviews
Cheap rates
Special highlight
AI-generated from 6240 user reviews
Customer service
Special highlight
AI-generated from 493 user reviews
Usage-based savings
Special highlight
AI-generated from 1207 user reviews
Bundling discounts
Special highlight
AI-generated from 1766 user reviews
Numerous discounts
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for drivers with a DUI: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$103/mo
4.9
Best choiceBased on 2,228 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,244)
Bruno
Verified Review
Cost $$
Reviewed in Texas on October 2025
They have increased their rates! I have been with them for 35 years.
Lonnie
Verified Review
Awesome
Reviewed in Missouri on October 2025
Easy and affordable.
Lana
Verified Review
USAA 50/50
Reviewed in Mississippi on September 2025
Expensive. They are decent if you are in an accident - they arrange a rental (if you have that coverage) and contact the other driver's insurance, and manage the claim. Homeowners - they don't cover wind nor flood (found this out the hard way after the agent neglected to tell me after I returned from an overseas assignment).
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA was founded in 1922 by a group of soldiers who wanted to help protect each other’s vehicles. Today, the company serves more than 12 million members and has a net worth of $31 billion.

Pros
  • Variety of discounts, including bundle and save, military discounts, and good student

  • Investment and banking products also available

  • Policies available in all 50 states

Cons
  • Available only to active members of the military, veterans, or family members of service members

  • Not accredited with the Better Business Bureau (BBB)

  • No 24/7 live customer support

Best insurer for drivers with a clean record: Auto-Owners

User Reviews
4.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$104/mo
4.3
Best choiceBased on 233 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (135)
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Ronald
Verified Review
I Hate Insurance Companies
Reviewed in Pennsylvania on October 2025
The good is my broker was fantastic; she got me a good policy for a decent price in the beginning. The bad is, in the 3 years I’ve had my policy, it went up about 4-5 times, and the last two times it went up, it was like a day or two apart, which is very unacceptable. I just don’t understand when you are loyal to a company, pay your bills on time, and haven’t had a claim on your vehicle(s) or house, they just increase your payment without notice or care about how much income you have. I have no problem paying my bills on time, but honestly, I’d like to be able to feed my family, and it’s really hard to do that when a majority of your income goes to bills.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Founded in 1916, this Michigan-based insurance company covers nearly 3 million people. Auto-Owners operates in 26 states and offers a range of products, including auto insurance, life insurance, and business insurance.

Pros
  • Offers several bundling options

  • A+ rating from the BBB

  • 24/7 emergency phone claims support

Cons
  • Only operates in 26 states

  • Online quotes not available

  • Poor BBB customer reviews

Best insurer for drivers with an accident: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$104/mo
4.1
Best choiceBased on 11,820 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,240)
Taylor
Verified Review
Great Insurance Company but Too Expensive
Reviewed in Michigan on October 2025
Overall, they are a great insurance company, but I think they charge way too much compared to others.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 2025
Be very careful and read everything.
Kurt
Verified Review
Better Insurance Company
Reviewed in California on October 2025
Rates are too high. Agents don't handle claims directly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm opened its doors in 1922 on the idea that farmers should pay less for insurance since their risks were different than city drivers. Today, the company is the nation’s largest insurer, based on the number of policies written, and offers a range of products from auto insurance to home insurance.

Pros
  • Unique products, like coverage for rideshare drivers

  • More than 100 years in the insurance industry

  • Higher-than-average customer satisfaction rating in J.D. Power's 2023 U.S. Auto Insurance Study

Cons
  • Gap insurance not available

  • Fewer discounts than other companies

  • Drivers with poor credit pay higher annual rates on average

How to get the cheapest car insurance in Mobile

To find the cheapest car insurance in Alabama, you must understand what companies look for when determining rates. Some of the most common things insurance companies look at include your driving history, age, credit score, type of vehicle you drive, where you live, and how many miles you drive each year.

Here are a few things you can do when shopping for rates to help save money:

  • Consider liability-only coverage. Liability-only coverage offers a lower monthly premium than full coverage. But it offers less protection, and if you finance or lease your vehicle, your lender or leasing company will require you to buy full coverage.

  • Look for discounts. Organizations like the AARP, good-grade programs, and safe driver programs can all help reduce your costs. Check with your employer to see if it gets deals through a specific insurance company.

  • Set up automatic payments. You may be able to snag a cheaper premium if you have your monthly or annual premium withdrawn from your bank account automatically.

  • Compare insurance rates from multiple companies. The most straightforward way to ensure that your insurance is the best deal is to compare coverage amounts and rates from multiple companies. This is especially important for drivers with incidents on their record.

Cheapest liability-only car insurance in Mobile: National General

Liability car insurance policies cover damages to other people’s property in an accident you cause. Liability insurance may also cover the other party’s medical expenses in an accident, but it doesn’t cover the policyholder’s car, property, or personal injury expenses.

If you’re looking for cheap car insurance in Mobile, you might consider a liability-only policy. This policy type can also be great if you own your vehicle or can afford to pay for repairs or cover any of your personal medical expenses that may arise because of an accident.

Here’s a list of the most affordable liability-only policies from leading insurers in Mobile.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$54
State Farm$62
USAA$62
Auto-Owners$62
Direct Auto$64
Allstate$68
Progressive$69
COUNTRY Financial$69
The General$84
Bristol West$85
Travelers$85
AssuranceAmerica$93
GEICO$93
Root$99
GAINSCO$104
Nationwide$107
Safeco$110
Farmers$116
Dairyland$120
Liberty Mutual$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Mobile: USAA

Though full coverage is more expensive than a liability-only policy, drivers in Mobile who need more protection should consider a full-coverage car insurance policy. Full-coverage auto policies provide liability and comprehensive coverage. Drivers with a loan on their vehicle or who don’t want to risk paying a lot out of pocket for repairs or medical expenses might consider a comprehensive auto policy.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$103
State Farm$104
Auto-Owners$104
Allstate$112
COUNTRY Financial$115
National General$117
Direct Auto$128
Progressive$141
Travelers$142
The General$145
GEICO$154
Root$170
Nationwide$177
Safeco$192
Farmers$192
AssuranceAmerica$195
Bristol West$217
GAINSCO$254
Liberty Mutual$269
Dairyland$356
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Mobile, Alabama

Recent Mobile, Alabama car insurance prices for Chevrolet, Lincoln, Toyota , and more.

*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Alabama

Alabama is an at-fault state. At-fault laws require the driver determined to be at fault for an accident to pay for any related injuries and damages. Drivers may also file lawsuits for additional compensation for injuries following an accident.

However, Alabama law only allows drivers to sue the other party if the other driver was determined to be 100% at fault for the accident.[1] Alabama operates on a contributory negligence system, which can prevent injured parties from suing if they’re found to have any fault in an accident.

In order to drive legally in Alabama, your insurance coverage must meet at least the minimum requirements listed below.

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 to $50,000 
Property damage liability$25,000 per accident

In addition to your coverage to meet the state’s minimum requirements, you may also consider the following optional insurance coverages:

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor

    You can add coverage to help cover the cost of towing your vehicle.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement

    Rental reimbursement will pay you back if you need to pay for a rental car while your vehicle is in the shop.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Mechanical breakdown

    Mechanical breakdown insurance can cover the cost of mechanical part replacement and repairs. Damage associated with wear and tear won’t be covered.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This coverage protects against injuries and damage caused by a driver who lacks insurance or doesn’t have enough insurance to cover all your damages.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap coverage pays the difference between what your insurance company pays out and what you still owe on your vehicle.

Cheapest car insurance for Mobile drivers with an incident

Alabama uses a point system for drivers. Each incident (like an at-fault accident, speeding ticket, DUI, or moving violation) adds a set number of points to a driver’s record. Drivers that accumulate 12 points or more in two years face a minimum suspension of 60 days. If you have an incident on your driving record, it may also affect your ability to find cheap car insurance in Mobile.

An estimated 52% of automobile accidents in Alabama in 2022 occurred in urban areas like Mobile.[2] Incidents on your driving record are likely to increase your rates because insurance companies view people with incidents as more likely to file a claim in the future.

In the sections that follow, you’ll see how different incident types can affect your car insurance rates.

Shop for Car Insurance in Mobile, AL

Minimum-coverage policies start at $94/mo. for drivers with incidents on their records

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: National General

Speeding tickets can add points to your driving record in Alabama and increase your insurance rates. Drivers convicted of speeding between one and 25 mph over the posted limit will see two points added to their driving record, while drivers exceeding 25 mph over the speed limit will see five points added to their record. Drivers traveling more than 15 mph or more over the speed limit risk a serious driving offense. Two serious offenses in three years will result in a license suspension.

Mobile drivers who've been cited for speeding see average car insurance rates of $196 per month for full coverage, and $101 for minimum coverage. Here are monthly liability-only quotes from top Mobile insurers for drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Ticket
sort ascsort desc
National General$54$70
State Farm$62$80
USAA$62$82
Auto-Owners$62$82
Direct Auto$64$84
Allstate$68$90
Progressive$69$93
COUNTRY Financial$69$95
The General$84$115
Bristol West$85$111
Travelers$85$113
AssuranceAmerica$93$115
GEICO$93$125
Root$99$136
GAINSCO$104$130
Nationwide$107$142
Safeco$110$149
Farmers$116$152
Dairyland$120$156
Liberty Mutual$201$263
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: National General

An at-fault accident could increase your rates, as companies view drivers with a history of at-fault accidents and claims as higher risk. In addition to higher car insurance rates, you may also face additional fines from the state and have points added to your driving record based on the nature of the accident.

An at-fault accident pushes average monthly insurance rates in Mobile to $105 for liability-only policies and $204 for full coverage. Fortunately, you can help lower your insurance rates by practicing safe driving habits, taking an approved defensive driving course, and avoiding additional offenses.

The following table shows average monthly quotes from top insurers for Mobile drivers with accidents on their driving history.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Accident
sort ascsort desc
National General$54$73
State Farm$62$83
USAA$62$84
Auto-Owners$62$83
Direct Auto$64$89
Allstate$68$92
Progressive$69$97
COUNTRY Financial$69$94
The General$84$118
Bristol West$85$115
Travelers$85$115
AssuranceAmerica$93$117
GEICO$93$121
Root$99$132
GAINSCO$104$137
Nationwide$107$145
Safeco$110$157
Farmers$116$157
Dairyland$120$163
Liberty Mutual$201$273
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: National General

Data from the Alabama Department of Transportation shows drug- or alcohol-impairment was a suspected factor in 5,005 crashes that killed 197 Alabamans in 2022. [2] If you’re convicted of DUI, you can expect your insurer to raise your rates dramatically. In some cases, your insurer may drop you altogether. In addition, you may also risk a license suspension and up to six points on your driving record for a DUI-related offense.

Mobile drivers with DUI convictions see average monthly car insurance costs of $183 for full coverage and $95 for minimum-coverage policies. Here are average monthly quotes for Mobile drivers with DUIs.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With DUI
sort ascsort desc
National General$54$73
State Farm$62$84
USAA$62$84
Auto-Owners$62$84
Direct Auto$64$87
Allstate$68$92
Progressive$69$87
COUNTRY Financial$69$94
The General$84$114
Bristol West$85$115
Travelers$85$115
AssuranceAmerica$93$126
GEICO$93$122
Root$99$132
GAINSCO$104$141
Nationwide$107$145
Safeco$110$161
Farmers$116$158
Dairyland$120$163
Liberty Mutual$201$273
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: National General

In most states, the cost of insurance premiums decreases for drivers once they turn 25. Statistically, drivers between 25 and 70 have lower incident rates. However, rates begin to increase again for drivers older than 70. Roughly 66% of older drivers involved in fatal vehicle accidents are older than 65.[3] This increase in serious accidents among older drivers leads to slight increases in car insurance rates.

The average cost of car insurance for senior drivers in Mobile is $66 per month for minimum coverage and $128 for full coverage. Below are the average monthly quotes you could pay as a senior driver in Mobile.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
National General$43$93
State Farm$50$83
Auto-Owners$50$85
USAA$51$85
Direct Auto$52$105
Allstate$57$93
COUNTRY Financial$58$96
Progressive$61$125
Travelers$69$115
Bristol West$71$182
The General$71$122
AssuranceAmerica$73$154
GEICO$75$125
Nationwide$83$138
Root$85$145
GAINSCO$89$218
Farmers$94$155
Safeco$98$171
Dairyland$100$297
Liberty Mutual$171$228
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: National General

Vehicle accidents are the second-leading cause of death among teens.[4] Teen drivers have a crash rate three times higher than drivers older than 20. The Centers for Disease Control and Prevention reports that male teens are more likely to be involved in a vehicle accident, as are new drivers and teens driving with other young passengers.

Insurance companies charge higher rates for teen drivers because they present a higher risk for getting into accidents. Fortunately, young drivers can help lower their rates by staying on their parents’ car insurance, taking an approved defensive driving course, and applying for discounts through a good-grade program.

Car insurance for teen drivers in Mobile costs, on average, $302 per month for full coverage and $156 for liability-only insurance. Here are monthly quotes from top insurers for teen drivers in Mobile.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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National General$117$253
COUNTRY Financial$117$195
USAA$122$203
State Farm$127$213
Auto-Owners$128$214
Direct Auto$134$268
Allstate$143$235
Progressive$144$293
The General$156$270
Bristol West$163$416
GEICO$180$298
Travelers$184$307
Root$185$318
AssuranceAmerica$199$417
GAINSCO$209$510
Dairyland$215$637
Nationwide$222$367
Safeco$233$407
Farmers$241$398
Liberty Mutual$381$510
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Mobile

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Mobile car insurance quotes by credit tier

Alabama allows insurance companies to use credit history as a baseline for determining insurance premiums. However, the state prohibits companies from using a lack of credit history as a reason for declining coverage. Your credit score can affect the cost of your car insurance through an insurance score. Higher credit scores may qualify you for different rates, while a bad credit score could increase the cost of your insurance policy.

The table below shows how your credit score can affect your monthly car insurance rates in Mobile, Alabama.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Mobile?

On average, Mobile drivers spend $145 per month for full coverage car insurance and $75 for liability-only coverage. By comparison, the average monthly cost of car insurance in Alabama is $130 for full coverage and $65 for minimum coverage.

Insurance rates may vary for a number of reasons. One reason is that larger cities often have higher insurance premiums due to more vehicles on the road, which increases the risk of car accidents. Other factors that may cause the cost of insurance to vary by city include cost of living, crime rate, and market competition.

More cities in Alabama

Mobile has some of the highest rates in Alabama for car insurance. This could be due to several factors, including the frequency of accidents, the cost of repairs, and more in the Mobile area. The table below shows average monthly rates in other Alabama cities.

City
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Full Coverage
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Liability Only
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Birmingham$155$77
Huntsville$123$67
Madison$120$70
Montgomery$148$77
Tuscaloosa$140$72
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Mobile car insurance FAQs

If you still have questions about finding the most affordable car insurance in Mobile, Alabama, the information presented below can help.

  • How much is car insurance in Mobile?

    The average cost of car insurance in Mobile is $145 per month for full coverage and $75 for liability-only coverage. Your actual car insurance rates may be higher or lower than the average for your community based on a number of factors, including your age, gender, and driving record.

  • Which car insurance companies are the cheapest in Mobile?

    National General is the cheapest car insurer in Mobile, with liability-only rates as low as $54 per month for drivers with clean records. State Farm and USAA are the city's second- and third-cheapest insurers, with liability-only rates of $62 and $62, respectively.

  • What are the best car insurance companies in Mobile?

    Auto-Owners, USAA, and State Farm not only offer the most affordable rates in the area, but they also check in as three of the top insurers in the area. State Farm has an industry-leading Insurify Quality (IQ) Score of 9.3, while USAA is right behind with a score of 9.1. Auto-Owners has a score of 8.2. All three companies offer lower-than-average car insurance rates for Mobile drivers.

  • What factors affect car insurance costs in Mobile?

    The price you pay for insurance in Mobile can be affected by many things, including your credit score, age, gender, marital status, and driving history. Geography plays a role as well, and rates in Mobile are affected by the number of accidents in the area, the cost of living, and the cost of car repairs.

  • How much car insurance do you need in Alabama?

    In order to drive legally in Alabama, your insurance coverage must meet the state’s minimum requirements of $25,000 to $50,000 in bodily liability injury and $25,000 per accident in property damage liability.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Alabama.Judicial.gov. "Alabama Rules of Civil Procedure."
  2. Alabama Department of Transportation. "2022 Crash Facts."
  3. National Security Council. "Older Drivers."
  4. Insurance Information Institute. "Facts + Statistics: Teen drivers."
Angela Brown
Angela Brown

Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.

Angela has been a contributor at Insurify since October 2022.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
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  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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