Cheap Auto Insurance in Mobile, Alabama (2024)

Auto-Owners is the cheapest insurer for Mobile drivers, with minimum-coverage rates as low as $43 per month.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
  • 17+ years in insurance and personal finance writing

  • In-depth knowledge of home and real estate topics

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
  • 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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Updated May 23, 2024

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Cheapest recent rates near Mobile, Alabama

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $65/mo for full coverage in Mobile and other Alabama cities.

*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. 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 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Mobile drivers pay more than other Alabama drivers for car insurance. The Port City has average car insurance rates of $192 per month for full coverage and $71 for liability-only policies, compared to the Alabama state averages of $163 and $62, 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
  • Auto-Owners, 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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
USAA4.7$69$37Drivers with a DUI
Auto-Owners4.3$69$37Drivers with a clean record
State Farm4.6$69$37Drivers with an accident
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.7
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.
$43/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.
$81/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

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

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.
4.3
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.
$43/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.
$81/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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

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.
4.6
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.
$43/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.
$81/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

  • 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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

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.

Cheapest liability-only car insurance in Mobile: Auto-Owners

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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners43
State Farm43
USAA43
Allstate47
COUNTRY Financial48
Travelers60
National General62
GEICO64
Direct Auto69
Nationwide74
Progressive78
Farmers79
Safeco84
AssuranceAmerica86
Clearcover88
Foremost100
Midvale Home & Auto107
Liberty Mutual121
Bristol West143
GAINSCO143
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: Auto-Owners

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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners81
State Farm81
USAA81
Allstate88
COUNTRY Financial89
Travelers110
GEICO120
Nationwide138
Safeco140
National General143
Progressive147
Clearcover150
Farmers150
AssuranceAmerica155
Direct Auto165
Midvale Home & Auto179
Liberty Mutual214
State Auto227
Foremost248
GAINSCO275
Bristol West338
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.[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.

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 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 $103/mo. for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: State Farm

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 $302 per month for full coverage, and $112 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
Auto-Owners4359
State Farm4358
USAA4359
Allstate4764
COUNTRY Financial4867
Travelers6083
National General6293
GEICO6488
Direct Auto6995
Nationwide74102
Progressive78107
Farmers79107
Safeco84117
AssuranceAmerica86120
Clearcover88121
Foremost100150
Midvale Home & Auto107151
Liberty Mutual121182
Bristol West143194
GAINSCO143215
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: State Farm

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 $116 for liability-only policies and $313 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
Auto-Owners4361
State Farm4361
USAA4362
Allstate4767
COUNTRY Financial4871
Travelers6086
National General6288
GEICO6492
Direct Auto69101
Nationwide74107
Progressive78114
Farmers79113
Safeco84117
AssuranceAmerica86124
Clearcover88134
Foremost100156
Midvale Home & Auto107161
Liberty Mutual121188
Bristol West143202
GAINSCO143199
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: State Farm

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 $352 for full coverage and $130 for minimum-coverage policies. Here are average monthly quotes for Mobile drivers with DUIs.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
Auto-Owners4375
State Farm4375
USAA4375
Allstate4782
COUNTRY Financial4884
Travelers60105
National General62109
GEICO64112
Direct Auto69121
Nationwide74130
Progressive78137
Farmers79139
Safeco84147
AssuranceAmerica86151
Clearcover88154
Foremost100176
Midvale Home & Auto107188
Liberty Mutual121212
Bristol West143251
GAINSCO143251
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: Auto-Owners

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 70. Roughly 66% of older drivers involved in fatal vehicle accidents are older than 65.[3] This increase in serious accidents among older drivers is due to vision changes, physical limitations, memory, or medication side effects.

The average cost of car insurance for senior drivers in Mobile is $51 per month for minimum coverage and $138 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners3159
State Farm3158
USAA3260
Allstate3566
COUNTRY Financial3565
Travelers4480
National General46107
GEICO4789
Direct Auto49118
Nationwide5196
Progressive5298
Farmers57108
AssuranceAmerica61109
Safeco63105
Clearcover65111
Foremost73180
Midvale Home & Auto75126
Liberty Mutual89157
Bristol West107252
GAINSCO109209
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: COUNTRY Financial

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.

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.

Car insurance for teen drivers in Mobile costs, on average, $351 per month for full coverage and $130 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
COUNTRY Financial71132
USAA72136
State Farm73138
Auto-Owners75141
Allstate83155
GEICO102190
Travelers109199
National General116268
Direct Auto127303
Nationwide127237
Farmers140266
Progressive142268
AssuranceAmerica161290
Clearcover172293
Safeco177295
Foremost178442
Midvale Home & Auto188314
Liberty Mutual227401
Bristol West246580
GAINSCO258496
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.

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 $192 per month for full coverage car insurance and $71 for liability-only coverage. By comparison, the average monthly cost of car insurance in Alabama is $163 for full coverage and $62 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.

CityFull CoverageLiability Only
Birmingham$187$70
Huntsville$153$64
Madison$158$62
Montgomery$183$70
Tuscaloosa$177$65
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?

    The average cost of car insurance in Mobile is $192 per month for full coverage and $71 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?

    Auto-Owners is the cheapest car insurer in Mobile, with liability-only rates as low as $43 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 $43 and $43, 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 4.6, while USAA is right behind with a score of 4.7. Auto-Owners has a score of 4.3. 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 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. 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.

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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