Cheapest and Best Car Insurance in Mobile, AL (2024)


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In Mobile, Cincinnati Insurance offers the cheapest minimum coverage at $265 annually, while Country Financial is best for full coverage at $685 annually. Families with teens find Nationwide most affordable at a premium of $1,681. For customer service, Cincinnati Insurance excels, aligning with its status as the best overall for balance in price and service. Your ideal insurer depends on specific coverage needs and preferences.

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2024

Cheapest and Best Car Insurance in Mobile

Why Trust MoneyGeek? We analyzed 31,680 quotes in Alabama, including the city of Mobile, from 11 companies. We used six sources and original research to rate the cheapest companies and develop a scoring self-system for Mobile insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Mobile, AL as of July 2024.

31,680Quotes Analyzed
 
11Companies Compared

Cheapest Minimum Liability Car Insurance in Mobile

Cincinnati Insurance offers the cheapest car insurance in Mobile.

  • Cincinnati Insurance: $265 per year
  • Country Financial: $340 per year

Farmers offers the most expensive option in Mobile, with an annual premium of $818. This highlights a significant difference of $553 between the cheapest and most expensive coverage, underscoring the importance of comparing rates to secure the best car insurance deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Cincinnati Insurance$265$22
Country Financial$340$28
State Farm$439$37
Travelers$445$37
Auto-Owners Insurance Co$527$44
GEICO$552$46
Nationwide$566$47
Progressive$568$47
Allstate$741$62
Farmers$818$68

State Minimum Liability Requirements

For drivers across Alabama, including those in Mobile, auto insurance requirements are dictated by state law. Here's a snapshot of the minimum coverage:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident

Suppose you have the minimum coverage and are at fault in an accident, insurance will cover up to $25,000 for an individual's injuries and up to $50,000 total for all injuries per accident. If damages exceed these amounts, you'll need to cover the difference from your pocket. It's straightforward by-the-book stuff, really.

Cheapest Full Coverage Car Insurance in Mobile

In Mobile, Country Financial offers the cheapest full coverage car insurance.

  • Country Financial: $685 per year
  • Cincinnati Insurance: $843 per year

Farmers offers the most expensive full coverage policy in Mobile, with an annual rate that is $794 more than Country Financial's price. This difference highlights why it's crucial to compare rates for full coverage car insurance, which typically costs more due to added protections like comprehensive and collision coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country Financial$685$57
Cincinnati Insurance$843$70
Travelers$880$73
State Farm$983$82
Nationwide$1,060$88
Auto-Owners Insurance Co$1,110$93
GEICO$1,152$96
Allstate$1,275$106
Progressive$1,448$121
Farmers$1,479$123

Do You Need Full Coverage in Alabama?

A full coverage policy in Mobile includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Mobile After a Driving Offense

Country Financial is consistently the cheapest option in Mobile for drivers who have a speeding ticket, have been in an at-fault accident, or have been charged with a DUI when looking for full coverage car insurance.

  • Speeding ticket: Country Financial ($922 per year)
  • At-fault accident: Country Financial ($950 per year)
  • DUI: Country Financial ($1,103 per year)

Progressive tends to have the most expensive rates for these offenses. The differences in rates indicate that the severity of the offense can greatly influence car insurance rates, with Country Financial saving drivers $1,638 annually over GEICO for DUI offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Country Financial$922$77
Cincinnati Insurance$1,004$84
State Farm$1,092$91
Travelers$1,244$104
Auto-Owners Insurance Co$1,274$106
Nationwide$1,299$108
GEICO$1,365$114
Allstate$1,464$122
Farmers$1,900$158
Progressive$2,058$172

Insurance premiums in Mobile and other cities often increase with the severity of a driving offense to account for the heightened risk presented by drivers with infractions. For example, drivers with a DUI on their record may see an average annual rate of $2,625, compared with $1,913 for those with just a speeding ticket. Given these substantial rate differences, drivers with offenses should diligently compare insurance rates to ensure they secure potential savings.

Cheapest Car Insurance in Mobile for Teens and Their Families

Nationwide offers the cheapest full coverage car insurance for male and female teens in Mobile.

  • Nationwide: $1,540 per year for female teens and $1,681 per year for male teens
  • GEICO: $2,093 per year for female teens and $2,242 per year for male teens

These rates represent the cost of adding a teen driver to a policy shared with two parents. In contrast, the most expensive teen family policy in Mobile is offered by Progressive, with an annual premium of $4,183 for male teens.

The difference between the most affordable and the most expensive insurer for a female teen is $2,282 annually, underscoring the importance of comparing quotes, especially considering the higher risk profile associated with insuring teenage drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
Nationwide$1,540$3,377
Allstate$2,021$5,236
GEICO$2,093$6,346
Travelers$2,338$4,443
State Farm$3,117$3,729
Farmers$3,170$9,627
Progressive$3,823$10,115
Auto-Owners Insurance Co$4,006$3,368

In Mobile, as well as other cities, teen drivers face significantly higher insurance costs when purchasing individual policies. On average, a teen's solo car insurance premium is approximately $6,496 annually, contrasted with an average of $3,088 when added to a family plan.

This difference results from insurers viewing teens as high-risk drivers due to their limited driving experience. Consequently, teens often encounter challenges obtaining individual policies, as insurers may be hesitant to offer coverage without the risk mitigation a family plan provides. For cost-effective insurance, teens should consider joining a family plan.

Cheapest Car Insurance in Mobile for Military Drivers

In Mobile, Country Financial offers the cheapest car insurance for military backgrounds. Here are the two most affordable insurers based on annual premiums:

  • Country Financial: $685 per year
  • Cincinnati Insurance: $843 per year

Although not the cheapest, USAA ranks third with an annual rate of $851. USAA is known to tailor its service to the specific needs of active-duty military members, which might offset the slightly higher cost compared with the leading competitors.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country Financial$685$57
Cincinnati Insurance$843$70
USAA$851$71
Travelers$880$73
State Farm$983$82
Nationwide$1,060$88
Auto-Owners Insurance Co$1,110$93
GEICO$1,152$96
Allstate$1,275$106
Progressive$1,448$121
Farmers$1,479$123

How to Compare Cheap Mobile Car Insurance Quotes Online

In Mobile, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Dec 06, 2024

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Best Car Insurance in Mobile: Summary

Selecting the best auto insurance involves a balance of service quality, cost, coverage options, and other factors. MoneyGeek's tailored scoring system offers insights on Mobile's top car insurance providers, catering to individual preferences:

  • Best overall: Cincinnati Insurance (MoneyGeek score 94 out of 100)
  • Best for service: Cincinnati Insurance (MoneyGeek score 97 out of 100)
  • Best cheap: Cincinnati Insurance (MoneyGeek score 98 out of 100)

If you're seeking the optimal blend of cost efficiency and reliable service, Cincinnati Insurance stands out as Mobile's premier choice for overall value, service excellence, and affordability.

Overall Best Car Insurance in Mobile

Cincinnati Insurance is the best option for car insurance in Mobile, offering outstanding services to its policyholders. They couple high customer satisfaction with competitive pricing.

  • Cincinnati Insurance: MoneyGeek score of 94 out of 100 ($843 per year)
  • Auto-Owners: MoneyGeek score of 79 out of 100 ($1,110 per year)

Cincinnati Insurance distinguishes itself with the highest MoneyGeek score, attributing its success to stellar customer satisfaction and affordability scores that outshine competitors in Mobile. These exceptional scores underscore the company's commitment to not only meeting but exceeding client expectations on a consistent basis. Moreover, its premium rate for a full coverage policy demonstrates their dedication to providing affordable, yet comprehensive insurance packages.

Company logo for Cincinnati Insurance
Best OverallCincinnati Insurance
MoneyGeek Score:
94/ of 100

Overview

Cincinnati Insurance's high MoneyGeek score hinges on its coverage and customer satisfaction scores, making it a standout choice for policyholders. The company provides common coverages such as Rental Car and/or Travel Reimbursement and Roadside Assistance, adding convenience and security to its offering.

With the presence of reasonably common coverages like New Car Replacement and Gap Insurance, Cincinnati Insurance reinforces its robust benefits despite not having certain rare coverages.

Glass Deductible Modification waives the deductible for glass replacement, an unexpectedly useful feature for drivers prone to windshield damage. Child Safety Seat Replacement guarantees young passengers' safety without depreciation costs. Moreover, its Safety Restraint Benefit reflects its commitment to safety by doubling the coverage amount for medical expenses related to restraint systems.

Best Car Insurance in Mobile for Customer Service

Cincinnati Insurance is the best option for car insurance customer service in Mobile. This distinction is based solely on general satisfaction, claims handling and coverage options, without consideration for rates.

  • Cincinnati Insurance: MoneyGeek score of 97 out of 100 ($843 per year)
  • Auto-Owners: MoneyGeek score of 87 out of 100 ($1,110 per year)

Cincinnati Insurance is distinguished by its high marks in customer satisfaction and claims handling. This places it well above its competitors in providing exceptional service and support to its customers.

Company logo for Cincinnati Insurance
Best for Customer ServiceCincinnati Insurance
MoneyGeek Score:
97/ of 100

Overview

Cincinnati Insurance offers Roadside Assistance and Rental Car and/or Travel Reimbursement, enhancing its appeal. Cincinnati Insurance provides Glass Deductible Modification as a rare coverage with wide applicability, easing the financial impact of glass repairs.

With Antique/Classic Car Insurance, enthusiasts of vintage vehicles can ensure their prized possessions are well-protected. The company also offers Child Safety Seat Replacement, an invaluable feature for parents ensuring the safety of their children.

Best Cheap Car Insurance Companies in Mobile

Cincinnati Insurance is offers the best cheap car insurance in Mobile. The decision is grounded in a balance of cost-efficiency and reliable service delivery, ensuring that subscribers get the optimal mix of value for money. Here are the top two contenders in Mobile:

  • Cincinnati Insurance: MoneyGeek score of 98 out of 100 ($265 per year)
  • Auto-Owners: MoneyGeek score of 80 out of 100 ($527 per year)

Cincinnati Insurance shines brightly above the competition due to its high MoneyGeek score and an annual premium that's nearly half the price of its closest competitor, customers get premium service without the steep cost.

Company logo for Cincinnati Insurance
Best Cheap CompanyCincinnati Insurance
MoneyGeek Score:
98/ of 100

Overview

Cincinnati Insurance stands out largely due to its exceptional affordability and coverage scores, ensuring comprehensive protection at competitive rates. The average annual premium for minimum coverage is a $265, illustrating the low annual cost that average drivers pay. This insurer offers savings for vehicles equipped with air bags and for those with anti-lock brakes.

Cincinnati Insurance offers a breadth of discounts, including Bundling, Good student, Multiple Car and Safe driving. Additionally, it offers rarer discounts such as for Anti-lock brakes, which encourage the installation and maintenance of these safety features for reduced premiums. Similarly, the Anti-theft system discount benefits drivers who protect their vehicles against theft, offering additional financial perks.

Average Cost of Car Insurance in Mobile

Motorists in Mobile are currently facing average car insurance costs of $1,094. This figure is $50 above Alabama's state average of $1,044 but is considerably less than the national average premium of $1,781, showcasing a difference of $737 when comparing state to national costs.

Car insurance premiums are influenced by a multitude of factors such as driving history, age, and vehicle type, but location plays a pivotal role in determining costs. Higher risk of accidents and theft in densely populated urban areas often results in increased premiums. According to MoneyGeek's analysis, which included only two cities, Huntsville is the cheapest city at $838, while Birmingham is the most expensive with a cost of $989. These data points illustrate the impact of location on insurance costs. Non-city locales, typically with lower traffic density, may see even more favorable rates.

Birmingham$1,118
Huntsville$962
Mobile$1,094
Montgomery$1,059

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.