Updated: November 24, 2025
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Cincinnati Insurance offers the cheapest car insurance in Mobile at $329 per year for minimum coverage and $1,086 per year for full coverage. Other major insurers in Mobile include AIG, Travelers and State Farm.
Car insurance in Mobile costs an average of $720 per year for minimum coverage and $1,384 per year for full coverage.
AIG also offers the cheapest car insurance in Alabama at $262 per year for minimum coverage and $848 per year for full coverage.
Cincinnati Insurance provides Mobile's cheapest minimum coverage at $329 per year, 54% lower than the city average of $720. For full coverage, Cincinnati Insurance costs $1,086 annually versus Mobile's average of $1,384.
AIG offers another budget-friendly choice at $373 for minimum coverage and $1,168 for full coverage. Cincinnati Insurance's pricing saves Mobile drivers about $33 monthly for minimum coverage compared to typical city rates.
| Cincinnati | $27 | $91 | -35% |
| AIG | $31 | $97 | -29% |
| Travelers | $51 | $92 | -21% |
| Auto-Owners | $50 | $99 | -18% |
| GEICO | $50 | $107 | -14% |
Adult drivers in Mobile access the lowest rates at $329 annually with Cincinnati Insurance. Young drivers pay $850 per year with Cincinnati Insurance, 159% more than adults. Senior drivers pay $553 per year with AIG. Cincinnati Insurance and AIG alternate as the cheapest options across age groups.
Young drivers in Mobile can find the cheapest car insurance with Cincinnati and AIG, which start at $71 and $76 per month.
| 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% |
For adults aged 26 to 64, AIG offers the most affordable car insurance, with rates about 54 percent below the city average. GEICO and Travelers also rank among the most budget-friendly options for drivers.
| Cincinnati Insurance | $27 | $329 | -56% |
| AIG | $31 | $373 | -51% |
| Auto Owners | $50 | $596 | -21% |
| Geico | $50 | $596 | -21% |
| Travelers | $51 | $617 | -18% |
Seniors get the lowest minimum coverage from AIG, which charges around $46 per month ($553 annually). For full coverage, Travelers offers $121 per month ($1,447 annually).
| AIG | $46 | $553 | -47% |
| Cincinnati Insurance | $49 | $593 | -43% |
| Travelers | $68 | $811 | -22% |
| Geico | $69 | $834 | -20% |
| Country Financial | $83 | $990 | -4% |
High-risk drivers in Mobile, including those with DUIs, accidents, or poor credit, can find affordable coverage with AIG and Cincinnati. These insurers offer competitive pricing while helping drivers stay insured as they rebuild their records.
Drivers in Mobile with bad credit can find the lowest rates from Cincinnati, which offers minimum coverage starting at $59 per month. These rates are among the most affordable available for credit-challenged drivers. Improving credit over time and maintaining on-time payments can help secure even cheaper premiums in future renewals.
| 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% |
For drivers with a DUI, AIG provides the cheapest car insurance in Mobile. Its premiums are about 66 percent lower for minimum coverage and 44 percent lower for full coverage compared to the city average. Completing state-mandated DUI programs and maintaining a clean record afterward can help drivers recover lower rates faster.
| 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% |
Drivers in Mobile with an at-fault accident can get the best rates from AIG, which starts at $38 per month, roughly 56 percent below the city average. Staying accident-free and avoiding further violations for several years can gradually reduce premiums back to standard pricing levels.
| AIG | $38 | $460 | -56% |
| Cincinnati Insurance | $43 | $515 | -51% |
| Travelers | $64 | $765 | -27% |
| Auto Owners | $73 | $877 | -17% |
| Geico | $76 | $912 | -13% |
For drivers in Mobile with a speeding ticket, AIG offers the most affordable coverage options. Minimum coverage costs around $33 per month, while full coverage averages $105 per month. Safe driving for one to three years after a violation typically helps bring premiums down again.
| Cincinnati Insurance | $31 | $373 | -58% |
| AIG | $33 | $398 | -56% |
| Travelers | $60 | $725 | -19% |
| Auto Owners | $63 | $753 | -16% |
| Geico | $63 | $754 | -16% |
Cincinnati Insurance ranks as Mobile's best insurance company with a MoneyGeek score of 96. It offers the lowest rates and has excellent customer service. Travelers scores 92, offering dependable coverage and efficient claims handling.
| 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 |
Strong customer satisfaction record
Many coverage add-ons available
Great rates across driver categories
Fewer online tools than some competitors
Limited local offices
Cincinnati ranks first in Mobile for combining affordable rates with dependable coverage options. The company offers prices well below the city average for most drivers. Its strong customer satisfaction ratings reflect fast claims handling and responsive support. Cincinnati also provides the lowest rates for adult drivers and those with speeding tickets.
Excellent customer service
A lot of coverage customization options
Helpful digital tools and mobile app
Higher rates for some drivers
Limited number of local agents
Travelers ranks second in Mobile for its strong customer service and flexible coverage options. Its easy-to-use mobile app and online tools simplify policy management. The company often offers the best rates for young drivers and those with newer vehicles. While prices may be higher for some, Travelers’ high satisfaction ratings reflect quick and reliable claims handling.
Car insurance in Mobile costs an average of $720 per year for minimum coverage and $1,384 per year for full coverage. These rates fall below Alabama statewide averages, making Mobile one of the state's more affordable cities for coverage.
Cincinnati Insurance's premiums of $329 for minimum coverage and $1,086 for full coverage significantly undercut city averages. This translates to potential savings of $391 annually for minimum coverage and $298 for full coverage versus typical Mobile rates.
| Full Coverage | $115 | $1,384 |
| Minimum Coverage | $60 | $720 |
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.
| 36602 | $58 | $112 |
Car insurance costs more in Mobile than in many other Alabama cities. Here's how to lower your premiums and still get the coverage you need.
Figure out how much coverage you really need. Use our car insurance coverage calculator to assess your situation. Consider your vehicle’s value, your assets and how much financial risk you’re comfortable taking.
Explore different kinds of car insurance that fit your situation. If you don’t drive often, pay-per-mile coverage helps cut costs. If you don’t own a car, non-owner insurance is a practical option for occasional driving.
Research the average cost of car insurance in Mobile to know what’s reasonable. Knowing typical rates for your age group and vehicle type helps you spot fair deals and avoid paying too much.
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.
Check each insurer’s customer service and claims satisfaction scores. Review their financial strength ratings to confirm they can pay claims reliably. It also helps to read recent reviews from Mobile residents to see how companies handle real situations.
Get quotes from at least three insurance companies. Try using local agents, online tools and company websites. Be sure each quote has the same coverage limits and deductibles so you can compare them fairly.
Review your policy once a year and compare rates from other insurers. Changes like a better credit score, a move or a new car often affect your premiums. Check your coverage regularly to keep the best rates available.
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.
Need cheap car insurance in Mobile? This section answers common questions about finding affordable coverage and ways to lower your premiums.
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.
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.
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.
Mobile car insurance costs more than average, ranking 574th for minimum coverage affordability and 365th for full coverage compared to other Alabama cities.
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:
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:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Mobile based on the following rating scale:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
