120+ more*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
National General has the lowest average car insurance rate in Mobile, Alabama.
Mobile and Montgomery are tied as the second most-expensive cities for car insurance in Alabama.
Last year, Mobile ranked third in Alabama for car thefts, with 399 vehicles reported stolen.
Minimum car insurance costs an average of $74 per month in Mobile, while full coverage averages $160 per month.
Mobile drivers pay more than the Alabama state averages, which are $142 per month for full coverage and $67 per month for liability-only coverage. Mobile’s rates are also slightly higher than Huntsville’s, the state’s biggest city.
Mobile’s costs are higher than average because of frequent severe weather, especially from hurricanes and storms, and a high theft rate, all of which contribute to increased risk for insurers.
The table below compares average car insurance rates in Mobile to Alabama’s average rates.
Car Insurance Costs in Mobile vs. Alabama  | Average Monthly Quote |
|---|---|
| Mobile average | $117 |
| Alabama average | $104 |
National General is the cheapest car insurance company in Mobile for minimum coverage, with an average rate of $46 per month.
For full coverage, USAA is the most affordable company in Mobile, with an average rate of $104 per month.
Insurify partners with 120+ top insurers for real-time quotes
Mobile, Alabama, is a vibrant city with a thriving arts and food scene. But the downtown and tourist areas cause traffic and congestion, which increases accidents. Here’s what you need to know about driving in Mobile:
Flooding: Because Mobile is on the coast, flooding happens often, especially when it rains heavily or during hurricane season.[1] It’s not uncommon for flash flooding in downtown Mobile to cause serious traffic jams.
Mardi Gras celebrations: Mardi Gras is a big celebration in Mobile, and the city states it originated there. Parking downtown can be tough during busy times, and it gets even more crowded during events like Mardi Gras. During the parade, parking in areas marked with yellow and purple signs is prohibited, and you risk being towed. The city recommends you reserve a parking spot online to ensure you’re in a valid spot.
Parking downtown: If you’re heading to Dauphin Street, parking is fairly accessible. On certain streets parking is free and has a two-hour limit. The city also has metered parking that starts at $1 per hour.
University of South Alabama: On the eastern side of Mobile sits the University of South Alabama. The school has more than 14,000 students, which means young and inexperienced drivers descend on the city every fall.
Car theft is one reason insurance costs are higher in Mobile. Insurify data shows there were 399 vehicle thefts in Mobile County from January to June 2025. It puts Mobile third among Alabama counties and in the top 5% nationwide for theft rates.
For comparison, Madison County had only 227 thefts in the same period, and Tuscaloosa County had 128. Mobile’s high theft numbers give insurers a reason to charge more for policies than in some other Alabama cities.
At average rates of $117 per month, Mobile competes with Montgomery for expensive car insurance in Alabama. But coverage costs vary across the state, with Birmingham rates averaging $123 per month and Decatur’s rates averaging $90 per month.
The most recent data about car theft helps explain the pricing gap between Mobile and Decatur. Mobile County recorded 399 car thefts in the first half of 2025, nearly five times the 83 recorded in Morgan County, where Decatur is located.
The table below shows the average monthly car insurance costs for several cities in Alabama.
City | Average Monthly Quote |
|---|---|
| Birmingham | $123 |
| Dothan | $94 |
| Enterprise | $93 |
| Huntsville | $102 |
| Madison | $99 |
| Mobile | $117 |
| Montgomery | $117 |
| Tuscaloosa | $110 |
The intersection of I-10 and I-65 near the George C. Wallace Tunnel under the Mobile River often gets backed up during rush hour. Traffic also gets heavier during Mardi Gras, when the City of Mobile closes roads and sets up extra parking downtown for several weeks.[2] Summer also brings more cars, as out-of-state drivers use Highway 98 and Highway 193 to get to the beaches.
More congestion increases the likelihood of fender-benders and multi-vehicle incidents, which increases rates across the city.
The Mobile Police Department commonly sets up safety checkpoints around the city. Officers check for valid driver’s licenses, seat belt safety, and up-to-date vehicle registration.[3]
In Mobile, liability-only car insurance costs $74 per month, which is more than the state average of $67. National General has the lowest car insurance rates in Mobile, averaging $46 per month for liability coverage.
Alabama law requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for property damage.[4] The minimum state requirements provide basic financial protection in the event of an accident.
Below are the insurance companies offering the lowest liability-only rates in Mobile.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $46 |
| Auto-Owners | $50 |
| State Farm | $50 |
| USAA | $50 |
| Allstate | $54 |
| Country Financial | $55 |
| Progressive | $56 |
| Direct Auto | $57 |
| AssuranceAmerica | $68 |
| First Acceptance | $68 |
| The General | $68 |
| Travelers | $68 |
| Trexis | $71 |
| GEICO | $73 |
| Bristol West | $80 |
| GAINSCO | $83 |
| Nationwide | $83 |
| Farmers | $91 |
| Safeco | $98 |
| Dairyland | $108 |
| Root | $114 |
| Liberty Mutual | $146 |
Pay your first week’s premium and get immediate proof of insurance
Full-coverage car insurance in Mobile costs $160 per month on average, with USAA offering the lowest average rates. Insurance tends to be more expensive in Mobile because the city faces a high risk of coastal storms and frequent flooding, which can lead to costly damage.
Full coverage helps protect drivers from weather-related losses, so it’s a good choice for most people in the area.
Here are some insurers that offer the best full-coverage rates in Mobile.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $104 |
| USAA | $104 |
| Auto-Owners | $105 |
| State Farm | $105 |
| Allstate | $113 |
| Country Financial | $115 |
| Direct Auto | $120 |
| Progressive | $124 |
| Travelers | $142 |
| AssuranceAmerica | $144 |
| GEICO | $155 |
| The General | $156 |
| Safeco | $176 |
| Trexis | $176 |
| Nationwide | $177 |
| Root | $179 |
| Farmers | $192 |
| First Acceptance | $194 |
| Bristol West | $196 |
| GAINSCO | $218 |
| Liberty Mutual | $226 |
| Dairyland | $275 |
*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 4.63% of Alabama drivers have at least one ticket on their record, according to Insurify data. Mobile drivers with a speeding ticket can find the cheapest coverage from National General, with an average rate of $59 per month.
A speeding ticket in Mobile can cost you up to $269 in fines and add 2–5 points to your Alabama driver’s license.[5] Here are some insurers that offer the most affordable coverage if you have a ticket on your record in Mobile.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $59 |
| State Farm | $66 |
| USAA | $67 |
| Auto-Owners | $67 |
| Allstate | $73 |
| Direct Auto | $74 |
| Progressive | $75 |
| Country Financial | $77 |
| AssuranceAmerica | $90 |
| First Acceptance | $91 |
| Travelers | $91 |
| The General | $94 |
| Trexis | $95 |
| GEICO | $99 |
| GAINSCO | $103 |
| Bristol West | $105 |
| Nationwide | $111 |
| Farmers | $121 |
| Safeco | $133 |
| Dairyland | $139 |
| Root | $157 |
| Liberty Mutual | $193 |
If you have an at-fault accident on your record in Mobile, your car insurance rates will likely be higher, with an average monthly cost of $162.
Alabama is an at-fault state, so the driver who caused the accident is responsible for paying damages.[6] About 5% of Alabama drivers have an at-fault accident on their record, according to Insurify data.
The insurers listed below offer the lowest rates for drivers in Mobile with an at-fault accident on their record.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $63 |
| Auto-Owners | $68 |
| State Farm | $68 |
| USAA | $69 |
| Allstate | $74 |
| Country Financial | $77 |
| Progressive | $77 |
| Direct Auto | $79 |
| AssuranceAmerica | $92 |
| Travelers | $94 |
| First Acceptance | $94 |
| The General | $96 |
| Trexis | $98 |
| GEICO | $98 |
| Bristol West | $108 |
| GAINSCO | $109 |
| Nationwide | $114 |
| Farmers | $125 |
| Safeco | $139 |
| Dairyland | $146 |
| Root | $157 |
| Liberty Mutual | $199 |
Less than 1% of Alabama drivers have a driving under the influence (DUI) conviction. This low rate is due to active law enforcement and regular sobriety checks in the area. If you get a DUI in Mobile, you must appear before a Municipal Judge.[7] A DUI causes the most significant increases in car insurance costs, with rates averaging $169 per month.
The table below shows which insurers offer the best rates for Mobile drivers with a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $66 |
| Auto-Owners | $72 |
| State Farm | $72 |
| USAA | $72 |
| Country Financial | $77 |
| Allstate | $78 |
| Progressive | $81 |
| Direct Auto | $82 |
| The General | $95 |
| AssuranceAmerica | $98 |
| Travelers | $98 |
| First Acceptance | $98 |
| Trexis | $102 |
| GEICO | $104 |
| Bristol West | $115 |
| GAINSCO | $120 |
| Nationwide | $120 |
| Farmers | $131 |
| Safeco | $149 |
| Dairyland | $156 |
| Root | $166 |
| Liberty Mutual | $210 |
Monthly rates start at $57 for drivers with an incident
In Alabama, teens can get a learner’s permit at 15 and a restricted license at 16.[8] For teen drivers in Mobile, car insurance averages $233 per month.
Teens pay some of the highest rates in Mobile, but parents can find the cheapest average rates from National General.
The insurers below offer the cheapest coverage for teen drivers in Mobile.
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $93 |
| National General | $96 |
| USAA | $97 |
| State Farm | $102 |
| Auto-Owners | $106 |
| Progressive | $111 |
| Allstate | $112 |
| Direct Auto | $116 |
| The General | $128 |
| First Acceptance | $135 |
| GEICO | $138 |
| Trexis | $141 |
| AssuranceAmerica | $147 |
| Travelers | $148 |
| Bristol West | $149 |
| GAINSCO | $155 |
| Nationwide | $169 |
| Farmers | $190 |
| Dairyland | $198 |
| Safeco | $208 |
| Root | $208 |
| Liberty Mutual | $269 |
For senior drivers in Mobile, car insurance averages $105 per month. About 17% of the city’s population is 65 or older, and many seniors can get lower rates. National General offers the lowest car insurance for Mobile seniors.
The table below lists the best insurers for seniors in Mobile.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $37 |
| State Farm | $40 |
| Auto-Owners | $40 |
| USAA | $41 |
| Country Financial | $45 |
| Allstate | $45 |
| Direct Auto | $48 |
| Progressive | $50 |
| AssuranceAmerica | $55 |
| Travelers | $56 |
| The General | $59 |
| GEICO | $59 |
| First Acceptance | $61 |
| Trexis | $64 |
| Nationwide | $65 |
| Bristol West | $68 |
| GAINSCO | $73 |
| Farmers | $74 |
| Safeco | $87 |
| Dairyland | $94 |
| Root | $97 |
| Liberty Mutual | $124 |
Car insurance in Mobile often costs more than in other parts of Alabama. The following answers can help you find the best rates.
On average, liability-only car insurance in Mobile costs $74 per month, while full coverage averages $160 per month.
National General offers the lowest rates for car insurance in Mobile, with an average liability rate of $46 per month.
The best car insurance company in Mobile depends on what matters most to you. For example, USAA is a great choice for military members, State Farm is best for cheap rates, and Direct Auto is a great choice for Mobile seniors.
Alabama requires drivers to have an insurance policy with at least $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for property damage.
To find affordable car insurance in Mobile, compare rates from several companies. Try to get quotes from at least three insurers to find the best deal. Always look into discounts you may qualify for, such as bundling, good driver, or multi-car discounts.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.