Cheap Auto Insurance in Mobile, Alabama (2024)

Mobile drivers pay more than other Alabama drivers for car insurance. The Port City has average car insurance rates of $200 per month for full coverage and $72 for liability-only policies, compared to the Alabama state averages of $166 and $63, 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

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

Best insurer for drivers with an accident: State Farm

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 You may be able to snag a cheaper premium if you have your monthly or annual premium withdrawn from your bank account automatically.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

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.

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.

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.

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Cheapest car insurance for drivers with a speeding ticket: USAA

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 $311 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.

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

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 $322 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.

Cheapest car insurance for drivers with a DUI: USAA

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 $362 for full coverage and $130 for minimum-coverage policies. Here are average monthly quotes for Mobile drivers with DUIs.

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 $141 for full coverage. Below are the average monthly quotes you could pay as a senior driver in Mobile.

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, $369 per month for full coverage and $133 for liability-only insurance. Here are monthly quotes from top insurers for teen drivers 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.

Is car insurance more expensive in Mobile?

On average, Mobile drivers spend $200 per month for full coverage car insurance and $72 for liability-only coverage. By comparison, the average monthly cost of car insurance in Alabama is $166 for full coverage and $63 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.

Mobile car insurance FAQs