Cheap Auto Insurance in Mobile, Alabama (2026)

Mobile drivers pay more than other Alabama drivers for car insurance. The Port City has average car insurance rates of $155 per month for full coverage and $77 for liability-only policies, compared to the Alabama state averages of $136 and $67, 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.

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.

Best insurer for drivers with a DUI: USAA

Drivers with a DUI

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User Reviews	4.9 3,426 reviews
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.	$55/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.	$113/mo

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Driver Reviews

4.9

Best choiceBased on 3,426 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 5 Alabama reviews for Mobile driversSee all 1,532 USAA reviews

Lee

Verified Review

Highly Recommended

Reviewed in Alabama on March 20, 2026

Great! And the rate is better than any other has offered.

James

Verified Review

So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.

Reviewed in Alabama on November 11, 2025

So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.

Dennis

Verified Review

USAA Rate Concerns

Reviewed in Alabama on November 8, 2025

USAA constantly doubles rates for no reason. I feel they are a scam. I just got a quote for greater coverage for 1/3 the cost from a major carrier.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

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

Drivers with a Clean Record

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User Reviews	4.3 328 reviews
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.	$55/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.	$114/mo

Details

Driver Reviews

4.3

Best choiceBased on 328 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.5	3.6
Discounts	3.6	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

650

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

Drivers with an Accident

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User Reviews	4.0 17,132 reviews
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.	$55/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.	$114/mo

Details

Driver Reviews

4.0

Best choiceBased on 17,132 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.8	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 41 Alabama reviews for Mobile driversSee all 7,397 State Farm reviews

David

Verified Review

No complaints from this corner

Reviewed in Alabama on April 6, 2026

No problems - multiple vehicles covered, decades-long customers.

Gerald

Verified Review

Okay

Reviewed in Alabama on March 17, 2026

Too expensive.

Carolyn

Verified Review

First time I called for roadside, Jessica took me off driving discount

Reviewed in Alabama on March 17, 2026

I've been with them for almost a year. I'm not getting my driving discount for being a good driver. They are overcharging for coverage on my 2014 Chevy Impala.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

673

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 in Mobile, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
National General	$52
Auto-Owners	$55
State Farm	$55
USAA	$55
Allstate	$60
COUNTRY Financial	$61
Progressive	$63
Direct Auto	$64
Travelers	$75
First Acceptance	$76
The General	$76
AssuranceAmerica	$77
Trexis	$79
GEICO	$82
Bristol West	$88
Nationwide	$93
GAINSCO	$95
Farmers	$101
Safeco	$109
Dairyland	$122
Root	$123
Liberty Mutual	$164

Disclaimer: Table data sourced from real-time Mobile car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mobile 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 in Mobile, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$113
Auto-Owners	$114
National General	$114
State Farm	$114
Allstate	$123
COUNTRY Financial	$125
Direct Auto	$130
Progressive	$140
Travelers	$155
AssuranceAmerica	$163
GEICO	$169
The General	$169
Root	$188
Safeco	$192
Nationwide	$193
Trexis	$193
Farmers	$209
First Acceptance	$211
Bristol West	$214
GAINSCO	$240
Liberty Mutual	$247
Dairyland	$308

Disclaimer: Table data sourced from real-time Mobile car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mobile 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	Minimum Requirements
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:

Towing and labor

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



Rental reimbursement

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



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.



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.



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 $96/mo. for drivers with incidents on their records

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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 $207 per month for full coverage, and $103 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 in Mobile, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Record	With Ticket
State Farm	$55	$72
USAA	$55	$73
Auto-Owners	$55	$74
Allstate	$60	$81
Direct Auto	$64	$83
Progressive	$63	$84
COUNTRY Financial	$61	$85
Travelers	$75	$100
AssuranceAmerica	$77	$101
First Acceptance	$76	$101
The General	$76	$105
Trexis	$79	$105
GEICO	$82	$111
Bristol West	$88	$115
GAINSCO	$95	$117
Nationwide	$93	$124
Farmers	$101	$134
Safeco	$109	$148
Dairyland	$122	$157
Root	$123	$169
Liberty Mutual	$164	$215

Disclaimer: Table data sourced from real-time Mobile car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mobile 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 $212 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 in Mobile, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Record	With Accident
Auto-Owners	$55	$74
State Farm	$55	$74
USAA	$55	$75
Allstate	$60	$82
COUNTRY Financial	$61	$85
Progressive	$63	$86
Direct Auto	$64	$89
Travelers	$75	$103
First Acceptance	$76	$104
AssuranceAmerica	$77	$104
The General	$76	$106
Trexis	$79	$108
GEICO	$82	$110
Bristol West	$88	$118
GAINSCO	$95	$124
Nationwide	$93	$128
Farmers	$101	$137
Safeco	$109	$155
Dairyland	$122	$164
Root	$123	$168
Liberty Mutual	$164	$222

Disclaimer: Table data sourced from real-time Mobile car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mobile 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 $225 for full coverage and $112 for minimum-coverage policies. Here are average monthly quotes for Mobile drivers with DUIs.

The below rates in Mobile, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Record	With DUI
Auto-Owners	$55	$80
State Farm	$55	$80
USAA	$55	$80
COUNTRY Financial	$61	$86
Allstate	$60	$87
Progressive	$63	$92
Direct Auto	$64	$93
The General	$76	$106
Travelers	$75	$109
First Acceptance	$76	$110
AssuranceAmerica	$77	$111
Trexis	$79	$115
GEICO	$82	$118
Bristol West	$88	$127
Nationwide	$93	$135
GAINSCO	$95	$137
Farmers	$101	$146
Safeco	$109	$167
Dairyland	$122	$177
Root	$123	$180
Liberty Mutual	$164	$237

Disclaimer: Table data sourced from real-time Mobile car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mobile 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 $69 per month for minimum coverage and $139 for full coverage. Below are the average monthly quotes you could pay as a senior driver in Mobile.

The below rates in Mobile, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$44	$92
Auto-Owners	$44	$92
USAA	$46	$94
COUNTRY Financial	$50	$102
Allstate	$50	$102
Direct Auto	$54	$109
Progressive	$57	$126
Travelers	$61	$127
AssuranceAmerica	$62	$131
The General	$66	$147
GEICO	$67	$137
First Acceptance	$68	$190
Trexis	$71	$174
Nationwide	$73	$151
Bristol West	$75	$182
Farmers	$82	$170
GAINSCO	$83	$209
Safeco	$97	$171
Root	$105	$161
Dairyland	$106	$267
Liberty Mutual	$140	$210

Disclaimer: Table data sourced from real-time Mobile car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mobile 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, $308 per month for full coverage and $153 for liability-only insurance. Here are monthly quotes from top insurers for teen drivers in Mobile.

The below rates in Mobile, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
COUNTRY Financial	$103	$212
USAA	$106	$219
State Farm	$111	$231
Auto-Owners	$117	$242
Allstate	$124	$254
Progressive	$125	$278
Direct Auto	$130	$264
The General	$143	$317
First Acceptance	$151	$419
GEICO	$155	$320
Trexis	$157	$383
Travelers	$163	$336
Bristol West	$164	$398
AssuranceAmerica	$166	$351
GAINSCO	$179	$451
Nationwide	$190	$393
Farmers	$211	$436
Dairyland	$223	$562
Root	$225	$343
Safeco	$230	$406
Liberty Mutual	$301	$454

Disclaimer: Table data sourced from real-time Mobile car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mobile may vary based on the policy buyer's unique driver profile.

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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.

Is car insurance more expensive in Mobile?

On average, Mobile drivers spend $155 per month for full coverage car insurance and $77 for liability-only coverage. By comparison, the average monthly cost of car insurance in Alabama is $136 for full coverage and $67 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	Full Coverage	Liability Only
Birmingham	$161	$80
Huntsville	$130	$70
Madison	$122	$69
Montgomery	$152	$80
Tuscaloosa	$142	$72

Disclaimer: Table data is based on real-time Mobile quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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