Best Cheap Auto Insurance in Mobile, Alabama (2023)

State Farm, USAA, and Auto-Owners offer some of the cheapest car insurance in Mobile, where drivers pay 18% more than the Alabama state average.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
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Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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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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Updated November 17, 2023 at 6:30 AM PST

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Mobile drivers have some of the highest car insurance costs in Alabama. The overall average cost of car insurance in Mobile is $223 per month, compared to the state monthly average of $189. Tuscaloosa and Enterprise drivers pay significantly less by comparison. 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.

If you’re looking for the best auto insurance rates in Mobile, Alabama’s second-largest city, you may have the best luck with companies like USAA, Auto-Owners Insurance, and State Farm. 

Quick Facts
  • Alabama is an at-fault state, meaning drivers can sue parties in an accident for additional compensation.

  • However, 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.

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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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$45/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.
$84/mo

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

They are the best in customer service.

Brenda - September 13, 2023
Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

Great operation since I was a Lt.

raymond - September 7, 2023
Verified
Read our USAA review

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$46/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.
$84/mo

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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for drivers with an accident: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$46/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.
$84/mo

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

  • High marks for customer satisfaction[1]

Cons
  • Gap insurance not available

  • Fewer discounts than other companies

  • Drivers with poor credit pay higher annual rates on average

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Cheapest liability-only car insurance in Mobile

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, November 7 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA45
Auto-Owners46
State Farm46
Allstate50
COUNTRY Financial50
Travelers62
GEICO67
National General67
Direct Auto76
Nationwide77
Progressive82
Farmers83
State Auto83
AssuranceAmerica86
Foremost86
Safeco87
Clearcover102
Midvale Home & Auto108
Liberty Mutual119
Bristol West151
GAINSCO170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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. Comprehensive coverage is more expensive than liability, but it offers more protection.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners84
State Farm84
USAA84
Allstate92
COUNTRY Financial93
GEICO125
Travelers129
Nationwide140
Clearcover149
Direct Auto151
AssuranceAmerica154
Progressive154
Farmers155
National General155
Safeco161
Midvale Home & Auto191
Foremost223
State Auto224
Liberty Mutual226
GAINSCO275
Bristol West347
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.[2] 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.

CoverageMinimum 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:

  • 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 77% of automobile accidents in Alabama in 2019 occurred in urban areas like Mobile, and 72% of all accidents involved multiple vehicles.[3] 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.

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Cheapest car insurance for drivers with a speeding ticket

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.

Here’s a list of average monthly quotes for drivers with a speeding ticket on their record.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners13071
State Farm13071
USAA13070
Allstate14277
COUNTRY Financial14477
GEICO193104
Travelers19996
Nationwide217119
Clearcover230158
Direct Auto234118
AssuranceAmerica238133
Progressive238127
Farmers240128
National General240104
Safeco249135
Midvale Home & Auto295167
Foremost345133
State Auto346128
Liberty Mutual350184
GAINSCO425263
Bristol West537234
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

Fortunately, you can help lower your insurance rates by practicing safe driving habits, taking an approved defensive driving course, and avoiding additional offenses.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners13272
State Farm13272
USAA13271
Allstate14579
COUNTRY Financial14679
GEICO196105
Travelers20397
Nationwide220121
Clearcover234160
Direct Auto237119
AssuranceAmerica242135
Progressive242129
Farmers244130
National General244105
Safeco253137
Midvale Home & Auto300170
Foremost350135
State Auto352130
Liberty Mutual355187
GAINSCO432267
Bristol West545237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Data from the Alabama Department of Transportation shows 25% of 2019 crashes involving impairment occurred between 1 a.m. and 2 a.m. In addition, two-thirds of drivers convicted of impaired driving following an accident were male.[3] 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.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners14981
State Farm14981
USAA14980
Allstate16389
COUNTRY Financial16589
GEICO221119
Travelers229110
Nationwide248136
Clearcover264181
Direct Auto267135
AssuranceAmerica273152
Progressive273145
Farmers275147
National General275119
Safeco285154
Midvale Home & Auto338191
Foremost395152
State Auto397147
Liberty Mutual400211
GAINSCO487301
Bristol West615267
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

In most states, the cost of insurance premiums decreases for drivers once they turn 35. Statistically, drivers between 35 and 75 have lower incident rates. However, rates begin to increase again for drivers older than 75. Roughly 66% of older drivers involved in fatal vehicle accidents are older than 65.[4] This increase in serious accidents among older drivers is due to vision changes, physical limitations, memory, or medication side effects.

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, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners4424
State Farm4424
USAA4424
Allstate4826
COUNTRY Financial4926
GEICO6535
Travelers6732
Nationwide7340
Clearcover7853
Direct Auto7940
AssuranceAmerica8145
Farmers8143
National General8135
Progressive8143
Safeco8446
Midvale Home & Auto10056
Foremost11745
State Auto11743
Liberty Mutual11862
GAINSCO14489
Bristol West18179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Vehicle accidents are the second-leading cause of death among teens.[5] 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.

Many insurance companies charge higher rates for teen drivers because they present a higher risk for reporting incidents. 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.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners15685
State Farm15685
USAA15684
Allstate17193
COUNTRY Financial17393
GEICO232124
Travelers240115
Nationwide260143
Clearcover277189
Direct Auto280141
AssuranceAmerica286160
Progressive286152
Farmers288154
National General288124
Safeco299162
Midvale Home & Auto355201
Foremost414160
State Auto416154
Liberty Mutual420221
GAINSCO511316
Bristol West644280
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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, and where you live. Additionally, an insurance company may consider the type of vehicle you drive and how many miles you drive regularly. 

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 you may be required to have full coverage if you have an auto loan.

  • 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.

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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?

The average driver in Alabama spends around $185 per month on car insurance, and the national average for auto insurance is around $179 per month.

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 residents pay an average of $170 per month for liability-only coverage and $276 per month for full coverage. But how does that stack up against other cities in the state? 

Unfortunately, as you’ll see below, Mobile has some of the highest rates in the state for full-coverage insurance. This could be due to several factors, including the frequency of accidents, the cost of repairs, and more in the Mobile area.

CityAverage Monthly QuoteCompared to Mobile
Bessemer$2864%
Birmingham$252-9%
Huntsville$225-19%
Madison$252-9%
Montgomery$251-9%
Tuscaloosa$259-6%
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.

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?

    Mobile residents pay an average of $170 per month for liability coverage and $276 per month for full coverage. This makes Mobile one of the more expensive cities in Alabama for car insurance. The best way to find cheap car insurance for you is to review your coverage options by comparing quotes from several different companies.

  • 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 4.4, while USAA is right behind with a score of 4.3. Auto-Owners has a score of 4.0.

  • 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 50+ 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. J.D. Power. "Auto Insurance Shopping Surged during Pandemic in 2020 but Little Brand Differentiation Apparent, J.D. Power Finds." Accessed July 31, 2023
  2. Judicial.Alabama.gov. "Alabama Rules of Civil Procedure III. PLEADINGS AND MOTIONS Rule 8. General rules of pleading." Accessed July 31, 2023
  3. Alabama Department of Transportation. "Crash Facts 2019." Accessed July 31, 2023
  4. NSC. "Older Drivers." Accessed July 31, 2023
  5. Insurance Information Institute. "Facts + Statistics: Teen drivers." Accessed July 31, 2023
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 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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