Cincinnati offers Mobile's most affordable car insurance with annual rates of $329 for minimum coverage and $1,086 for full coverage. Other budget-friendly options in the city include AIG, Auto-Owners and Travelers.
Car Insurance in Mobile
Updated: August 10, 2025
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Key Takeaways
Mobile's cheapest car insurance companies are Cincinnati, AIG and Travelers, with savings up to 35% compared to the city average.
Monthly car insurance costs in Mobile average $115 for full coverage and $60 for minimum coverage.
To find the best cheap auto insurance in Mobile, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Mobile?
| Cincinnati | $27 | $91 | -35% |
| AIG | $31 | $97 | -29% |
| Travelers | $51 | $92 | -21% |
| Auto-Owners | $50 | $99 | -18% |
| GEICO | $50 | $107 | -14% |
Compare the Cheapest Mobile Car Insurance for You
Your car insurance rates depend heavily on your driving record, age and other personal factors. Check the table below to find which company offers the lowest rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| AIG | $111 | $1,335 | -42% |
| Travelers | $120 | $1,438 | -37% |
| GEICO | $183 | $2,195 | -4% |
| Nationwide | $192 | $2,302 | 0% |
| Allstate | $213 | $2,552 | 11% |
Cheapest Car Insurance by Age Group in Mobile
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Mobile, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Cincinnati (from $71 per month)
- Cheapest Car Insurance for Adults: AIG (from $31 per month)
- Cheapest Car Insurance for Seniors: AIG (from $46 per month)
Cheapest Car Insurance for Young Drivers in Mobile
Cincinnati and AIG offer the lowest car insurance rates for young drivers in Mobile, with monthly premiums starting at $71 and $76 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Cincinnati Insurance | $71 | $850 | -53% |
| AIG | $76 | $913 | -49% |
| Travelers | $96 | $1,149 | -36% |
| Country Financial | $108 | $1,296 | -28% |
| Auto Owners | $115 | $1,379 | -24% |
Cheapest Car Insurance for Adult Drivers in Mobile
In Mobile, AIG provides the lowest rates for adult drivers (26 to 64), saving drivers around 54% on average. GEICO and Travelers are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| AIG | $31 | $373 | -54% |
| GEICO | $50 | $596 | -26% |
| Travelers | $51 | $617 | -24% |
| Nationwide | $73 | $872 | 8% |
| Farmers | $87 | $1,042 | 29% |
Cheapest Car Insurance for Senior Drivers in Mobile
For seniors in Mobile, AIG offers the lowest minimum coverage rates at $46 per month ($553 annually), while Travelers provides the cheapest full coverage at $121 monthly ($1,447 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| AIG | $46 | $553 | -50% |
| Travelers | $68 | $811 | -27% |
| GEICO | $69 | $834 | -25% |
| Nationwide | $91 | $1,090 | -2% |
| Farmers | $123 | $1,475 | 33% |
Cheapest Car Insurance for High-Risk Drivers in Mobile
High-risk drivers in Mobile can find affordable coverage with these insurance providers:
- Cheapest for Bad Credit: Cincinnati (from $59 per month)
- Cheapest With a DUI: AIG (from $33 per month)
- Cheapest With an Accident: AIG (from $38 per month)
- Cheapest With a Speeding Ticket: AIG (from $33 per month)
Cheapest Car Insurance for Bad Credit in Mobile
In Mobile, the cheapest monthly premium for bad credit drivers is $59 for minimum coverage from Cincinnati.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Cincinnati Insurance | $59 | $709 | -58% |
| Country Financial | $119 | $1,425 | -16% |
| Geico | $119 | $1,430 | -15% |
| Safeway Insurance | $127 | $1,524 | -10% |
| Travelers | $136 | $1,632 | -3% |
Cheapest Car Insurance With a DUI in Mobile
AIG offers the most affordable car insurance rates in Mobile for drivers with a DUI. You can save up to 66% on minimum coverage and 44% on full coverage compared to the city average.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AIG | $33 | $398 | -66% |
| Cincinnati Insurance | $56 | $671 | -42% |
| Travelers | $67 | $803 | -31% |
| Country Financial | $87 | $1,047 | -9% |
| Safeway Insurance | $99 | $1,193 | 3% |
Cheapest Car Insurance With an Accident in Mobile
Mobile drivers with an accident can find the lowest rates with AIG, starting at $38 per month, 56% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AIG | $38 | $460 | -56% |
| Cincinnati Insurance | $43 | $515 | -51% |
| Travelers | $64 | $765 | -27% |
| Auto Owners | $73 | $877 | -17% |
| Geico | $76 | $912 | -13% |
Cheapest Car Insurance With a Speeding Ticket in Mobile
For Mobile drivers with speeding tickets, AIG offers the most affordable insurance options. Their minimum liability coverage costs $33 monthly, while full coverage with higher limits runs $105 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AIG | $33 | $398 | -60% |
| Travelers | $60 | $725 | -26% |
| GEICO | $63 | $754 | -23% |
| Allstate | $88 | $1,062 | 8% |
| Nationwide | $95 | $1,135 | 15% |
Best Car Insurance Companies in Mobile
In Mobile, the leading car insurance companies are Cincinnati, Travelers, Auto-Owners, AIG and GEICO. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Cincinnati | 96 | 1 | 4 | 3 |
| Travelers | 92 | 3 | 2 | 5 |
| Auto-Owners | 92 | 4 | 1 | 6 |
| AIG | 90 | 2 | 8 | 6 |
| GEICO | 86 | 5 | 5 | 7 |
Cincinnati: Best Value Overall
pros
Strong record of customer satisfaction
Multiple coverage add-ons available
Excellent rates across driver categories
cons
Fewer digital tools than competitors
Limited office locations
COMPANY HIGHLIGHTS
Cincinnati ranks first in Mobile for its mix of competitive rates and solid coverage options. The company stands out for having rates well below the city average for most drivers. Their high customer satisfaction ratings mean quick claims processing and helpful support. They offer the best rates for adult drivers and those with speeding tickets.
Travelers: Best Customer Service
pros
Top-rated customer service
Many coverage customization options
Strong digital tools and apps
cons
Higher rates for some drivers
Fewer local agents
COMPANY HIGHLIGHTS
Travelers earns the second spot in Mobile thanks to outstanding customer service and coverage flexibility. Their user-friendly mobile app and online tools make managing policies simple. Young drivers and those with newer cars often find their best rates with Travelers. While not the cheapest option for everyone, their strong customer experience ratings show they handle claims efficiently.
How Much Is Car Insurance in Mobile?
Overall, Mobile car insurance costs for most drivers are around $86 per month or $,1036 per year for minimum coverage, ranking them 1441st out of all Alabama cities for affordability. For full coverage, rates are around $198 monthly or $2,378 yearly, making them rank 1335th for affordability for this policy type.
| Full Coverage | $115 | $1,384 |
| Minimum Coverage | $60 | $720 |
Compare Personalized Mobile Car Insurance Costs
Since your situation might not match the averages above, use this table to filter rates by your specific age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $181 | $2,176 | 13% |
Mobile Car Insurance Costs by ZIP Code
In Mobile, car insurance rates by ZIP code range from $57 to $130 per month. ZIP code 36618 is the most expensive, while 36604 is the cheapest. Check the average rates for your ZIP code below.
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Zip Code:36602
| 36602 | $58 | $112 |
How to Get the Best Cheap Mobile Car Insurance
Finding affordable car insurance in Mobile can be challenging with the area's high rates and complex coverage options. Our step-by-step guide will show you proven ways to lower your premiums while maintaining the coverage you need.
- 1
Calculate your coverage requirements
Start by determining how much coverage you actually need. Use our car insurance coverage needs calculator to evaluate your situation. Consider your vehicle's value, your assets and your comfort level with risk when making this decision.
- 2
Explore alternative insurance options
Look into different types of car insurance that might better suit your needs. If you drive infrequently, pay-per-mile coverage could save you money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know the average costs
Research average vehicle insurance costs in Mobile to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
- 4
Check all available discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver, good student, and professional organization discounts.
- 5
Research insurance company ratings
Evaluate insurance providers based on their customer service ratings and claims satisfaction scores. Check financial strength ratings to ensure the company can reliably pay claims. Read recent customer reviews from Mobile residents.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like improving credit scores, moving, or buying a new car can affect your premiums. Regular reviews ensure you maintain the best rates.
Cheapest Car Insurance in Mobile: Bottom Line
Car insurance rates depend on your driving history, credit and coverage needs. Cincinnati and AIG offer the lowest average premiums in Mobile, but compare quotes from multiple providers to find your best rate.
Cheap Mobile Car Insurance: FAQ
Looking for cheap car insurance in Mobile? We've gathered straightforward answers about finding affordable coverage that fits your needs. Our FAQ section helps you understand your options and save money while maintaining proper protection.
What is the cheapest car insurance company in Mobile, Alabama?
Cincinnati offers the lowest rates in Mobile, with $329 for minimum coverage and $1,086 for full coverage. Individual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Mobile?
Cincinnati leads Mobile's providers with a MoneyGeek score of 96 out of 100, scoring three points higher than Travelers. The company excels in both affordability and customer service quality.
What is the average cost of car insurance in Mobile?
In Mobile, drivers pay $1,384 per year for full coverage and $720 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Mobile expensive?
Mobile car insurance costs more than average, ranking 574th for minimum coverage affordability and 365th for full coverage compared to other Alabama cities.
How We Chose the Best and Cheapest Car Insurance in Mobile, AL
To help Mobile drivers find the most affordable auto insurance companies, MoneyGeek analyzed Mobile auto insurance rates based on data and information from the Alabama Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Mobile and hundreds of thousands of quotes for 12 companies offering auto insurance in Alabama to tailor options as closely as possible to you.
Mobile Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Mobile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Mobile
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Alabama are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Mobile based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.