Compare the Cheapest Car Insurance Quotes in Mobile, AL

Mobile's average annual car insurance cost is $1,236, which is higher than Alabama's state average. MoneyGeek's ratings on various insurers in Mobile based on the coverage level and driver profile found that the cheapest widely available insurer is GEICO. MoneyGeek's recommendations on the best insurers in Mobile can help those looking for quality service with affordability.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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GEICO is the cheapest company in Mobile for full coverage plans, liability insurance and drivers with a speeding ticket. If you come from a military family, USAA may be the most affordable option in many cases. MoneyGeek ranked Auto-Owners as the city's best auto insurance provider overall due to affordability and the high quality of its customer service.

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The Cheapest and Best Car Insurance in Mobile

The Cheapest Car Insurance Companies in Mobile

In Mobile, the following insurance providers offer the cheapest full coverage plans on average:

  • GEICO: $816 per year
  • Allstate: $888 per year

At $668 per year, USAA has the city's most affordable full coverage auto insurance for military members and their families.

Nationwide is the most expensive insurer in the city for full coverage car insurance, at over 120% more than GEICO. A full coverage insurance policy has several coverages, including comprehensive and collision. The premium you pay is determined by the liability coverage levels you choose.

Cheapest Car Insurance in Mobile
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $668
  • 2.
    GEICO
    $816
  • 3.
    Allstate
    $888
  • 4.
    Country Financial
    $1,039
  • 5.
    Travelers
    $1,050
  • 6.
    State Farm
    $1,166
  • 7.
    Farmers
    $1,278
  • 8.
    ALFA
    $1,422
  • 9.
    Progressive
    $1,452
  • 10.
    MetLife
    $1,454
  • 11.
    Nationwide
    $1,800

This study looked at the average insurance premiums for a 40-year-old male driver with a full coverage insurance policy.

In addition to liability insurance, full coverage car insurance contains the following two coverages, which increases the cost:

  • Collision Coverage: Compensates you for losses and damages incurred as a result of a collision with another vehicle or object.
  • Comprehensive Coverage: Protects your automobile from non-accident-related damages or losses, such as fire, theft, vandalism, and weather events.

If you have an older car, a full coverage policy may cost more in premiums over time than your car's replacement value. In this case, it may make financial sense to opt for liability-only insurance or state minimum coverage.

Compare Car Insurance Rates in Mobile

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Mobile for Minimum Coverage

The cheapest insurance policy offers the absolute minimum of protection. On average, the following insurers provide the cheapest minimum liability insurance in Mobile:

  • GEICO: $371 per year
  • Country Financial: $498 per year

Military families can purchase insurance through USAA, which costs $319 and is the cheapest in the city. Still, GEICO's average premium is $660 cheaper than MetLife's, which offers the most expensive quote of $1,031 for a comparable policy.

With their lower coverage limitations, minimum insurance policies cost less. However, without comprehensive and collision coverage, you may be underinsured if you are involved in a collision. Increasing your coverage limits will impact insurance premiums, as seen in the table below.

Cheapest Minimum Liability Car Insurance in Mobile
State Minimum

Drivers in Alabama must carry a minimum of 25/50/25 liability insurance. This insurance coverage in Mobile can be the cheapest, but it also offers the least protection. Without enough coverage, you may be responsible for damages if you are at fault in an accident.

For example, if you inflict $100,000 in bodily harm to other drivers and passengers in an accident, your insurance will only cover $50,000, leaving you liable for the rest.

Alabama Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Mobile if You Have Driving Violations

If you have any traffic violation in Mobile, such as speeding tickets, DUIs or at-fault accidents, your auto insurance premiums could go up. The following are the city's cheapest insurance rates, on average, after the most usually committed traffic violations:

  • Cheapest after a ticket: GEICO, $973 per year
  • Cheapest after an at-fault accident: GEICO, $1,215 per year
  • Cheapest after a DUI: Allstate, $1,196 per year

For drivers with a history of speeding tickets and at-fault accidents, USAA may be the cheapest insurer. USAA policies, however, are only sold to members of the military and their families.

You can eventually lower your future insurance premium by improving your driving record, regardless of the traffic violations you committed. Meanwhile, it's advisable to check insurance quotes from several insurers to locate the best cheap car insurance for drivers with bad records.

Cheapest Car Insurance in Mobile With a Violation
Speeding Ticket

Average Cost of Car Insurance in Mobile

Mobile$1,236
Alabama$1,221
U.S.$1,424

Auto insurance in Mobile costs about $1,236 per year for an average driver. Although this cost exceeds the average car insurance premium in Alabama by 1.2%, it remains significantly lower than the national average premium of $1,424. Drivers can pay more or less than the city’s average depending on their age, coverage level and driving history, among various other factors.

Personalized Quotes to Get You the Cheapest Car Insurance in Mobile

In Mobile, auto insurers determine annual premiums by assessing numerous factors, including credit score, driving history, age, location, coverage level and gender. Insurance premiums keep changing for each driver as your profile changes. Regularly comparing car insurance quotes from different providers can help you secure the best rates and leverage discounts and rebates.

Compare Car Insurance Rates in Mobile

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Mobile

MoneyGeek examined Mobile's auto insurance providers in terms of customer service and affordability. According to our study, the following insurance companies are the best overall in Mobile:

  • Auto-Owners: MoneyGeek score of 90 of 100
  • ALFA: MoneyGeek score of 88 of 100

With a score of 95 out of 100, USAA was the top overall insurance company in Mobile. Because it exclusively covers military members and their dependents, we didn’t include the company in the list of best companies.

When conducting this research, MoneyGeek examined the insurance companies' financial stability, affordability and customer satisfaction scores. We also considered ratings from data analytics and consumer intelligence company J. D. Power, among others.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
ALFA
Score:87.5

4/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:82.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
MetLife
Score:75

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
National General
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Where you live matters when determining your car insurance premiums in Mobile. If you live in an area that is more prone to accidents, theft or uninsured motorists, you will probably pay more. In Mobile, drivers in ZIP code 36608 pay about $15 less per year than drivers in the 36695 neighborhood.

  • Zip Code
    State Minimumper year
  • 36608
    $1,229
  • 36695
    $1,244

Factors That Impact Insurance Costs in Mobile

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Mobile. How Mobile ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities18th/300
handcuffs2 icon
Most Car Thefts236th/300
uninsured icon
Most Uninsured Motorists by State6th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall1st/300
umbrella icon
Most Rainy Days67th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Mobile are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.