Which company offers the best rate in Mobile will depend on your driving profile and requirements. Nationwide is the lowest-priced insurer for full coverage, with a speeding ticket or as a teen driver. Country Financial and State Farm are the cheapest with an at-fault accident or DUI, respectively. Members of the military and their families may fare best with USAA. Overall, Cincinnati Insurance is the best for affordability and customer service.
Cheapest and Best Car Insurance in Mobile, AL
Cheapest Minimum Liability Car Insurance in Mobile
The companies offering minimum coverage auto insurance in Mobile at the average lowest rate are:
- Cincinnati Insurance: $236 per year
- Nationwide: $321 per year
Farmers is the city's priciest insurance provider for minimum coverage, at around $591 per year. Cincinnati Insurance is also the most affordable option in Alabama, with an average cost of $232 per year as of October 2022. That shows how location can influence the premium. In Mobile, drivers pay slightly more for car insurance than the state average.
Alabama requires minimum coverage limits for auto insurance that cover bodily injury liability and property damage liability:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
When you have liability-only insurance, your vehicle does not have any protection in an at-fault accident — only damage to the other vehicle/persons is covered, up to your policy limits. For instance, if your bodily injury liability coverage is $25,000 per person and $50,000 per accident, your insurer pays a maximum of $25,000 in damages to any one person, to a total of $50,000 in damages for all persons combined. Any amount beyond that is yours to shoulder.
Cheapest Full Coverage Car Insurance in Mobile
The following are the, on average, most affordable providers of full coverage auto insurance in Mobile:
- Nationwide: $703 per year
- Cincinnati Insurance: $760 per year
Progressive's average annual premium of $1,435 is the most expensive in the city for full coverage. Cincinnati Insurance offers the least expensive full coverage insurance in Alabama at around $778 per year as of October 2022. Location may have a significant role in pricing, as the cost in Mobile for full coverage is less than the state average.
Having collision and comprehensive insurance in addition to liability coverage is what makes a policy full coverage.
- Collision Insurance: This type of auto insurance coverage will pay for damage to your car caused by an at-fault accident, like if you hit a tree or another car.
- Comprehensive Insurance: This type of auto insurance coverage will pay for damage to your car caused by events other than a collision, like fire, theft, vandalism and natural disasters.
You might want to take stock of your vehicle's value and decide if paying for full coverage is worth it. Low-valued cars may not need full coverage, but newer vehicles should have it.
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Cheapest Car Insurance in Mobile After a Driving Offense
After a traffic offense, these companies in Mobile provide the average cheapest auto insurance:
- Speeding ticket: Nationwide ($859 per year)
- At-fault accident: Country Financial ($1,157 per year)
- DUI: State Farm ($1,077 per year)
On average, the most expensive company is Progressive for those with a speeding ticket ($1,878 per year) or at-fault accident ($2,562 per year) and Auto-Owners Insurance Co with a DUI ($2,244 annually). A poor driving history may have a major effect on your premium, and even the lowest rate for a bad record is seldom competitive with a safe driver’s premium.
There is a general trend toward paying more for auto insurance (but not a guarantee) for more serious offenses. For example, the difference between average rates for those with a speeding ticket and those with a DUI in Mobile is around $445 annually. A DUI makes insurance much more expensive than a speeding ticket. But with any driving offense, you can still find the cheapest company with a bad driving record.
Cheapest Car Insurance in Mobile for Teens and Their Families
On average, the companies offering the lowest-cost coverage in Mobile for teen drivers on a family plan are:
- Nationwide: $1,540 per year for female teens; $1,681 per year for male teens
- Allstate: $2,021 per year for female teens; $2,132 per year for male teens
Auto-Owners Insurance Co is the most expensive in Mobile for female teens, at around $4,006 per year, and Progressive for male teens, at around $4,212. The insurance industry generally views boys as a larger risk; therefore, their premiums are higher than those of girls, but this disparity narrows as the two groups age.
Teens in Mobile pay substantially more for auto insurance if they buy it on their own. On average, a 16-year-old male teen in Mobile pays $5,869 annually for an individual policy. If on a family policy, the cost is around $3,100 less. That’s why it’s a good idea to look for the cheapest auto insurance for teens, whether they are being added to a family policy or not.
Cheapest Car Insurance in Mobile for Military Drivers
On average, active or veteran military families in Mobile may get the best deal on auto insurance from the following companies:
- USAA: $652 per year
- Nationwide: $703 per year
The rates above are for full coverage. For minimum coverage in Mobile, the cheapest military car insurance is with Cincinnati Insurance at approximately $236 per year, followed by USAA at roughly $285 annually.
How to Compare Cheap Mobile Car Insurance Quotes Online
To acquire an accurate auto insurance quote online in Mobile, you need at least 15 minutes per company and must provide a lot of personal information. But MoneyGeek's auto insurance calculator can provide you with a rough estimate of your auto insurance cost from multiple companies in minutes based on basic information like your age, vehicle make and model, policy coverage and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Mobile: Summary
Your priorities in terms of price, service and other criteria will determine the auto insurance policy and company that work best for you. MoneyGeek’s top picks in Mobile are:
- Best overall: Cincinnati Insurance (MoneyGeek score of 86 out of 100)
- Best for service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
- Best cheap: Cincinnati Insurance (MoneyGeek score of 89 out of 100)
The MoneyGeek score for a company as a whole might shift depending on how the different aspects are weighted. Location is another important factor to consider when choosing an insurer, but Cincinnati Insurance is generally the top-rated car insurance in most parts of Alabama. Another solid option is USAA, a company that caters to military members and veterans. It earned a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Mobile
The following are MoneyGeek’s top choices for Mobile auto insurers to consider:
- Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($760 per year)
- Country Financial: MoneyGeek score of 75 out of 100 ($851 per year)
Cincinnati Insurance’s competitive advantages include low rates and a very satisfied customer base. Generally, the level of satisfaction a policyholder gets from their insurance provider is directly related to both pricing and service quality. Those in the military might choose USAA insurance, which has an 85 out of 100 MoneyGeek rating.
How was this MoneyGeek score calculated?
High-quality service and low rates
Offers roadside assistance, glass deductible modification and general deductible waiver coverages
No accident forgiveness
Average claims management score
Customer satisfaction and affordability could be the major drivers of Cincinnati Insurance’s success, but its claims handling and coverages are average. If your insured vehicle has the optional roadside assistance coverage, your maximum payout will increase to $250, unless a larger amount is specified in your declarations. This added coverage is helpful for anyone since it can assist with car breakdowns at any time of day or night.
The glass deductible modification add-on will replace glass after a covered loss without you having to pay your comprehensive deductible, while the general deductible waiver will pay for your deductible when your car is declared a complete loss as a result of a covered accident or other-than-collision loss. These coverages are essential for people who want to avoid paying their deductible in a claim.
Best Car Insurance in Mobile for Customer Service
Without the influence of price, the following auto insurance companies are the best in Mobile based on customer service:
- Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($760 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($1,068 per year)
With Cincinnati Insurance’s excellent track record with client service and good claims settlement, it might be a wise decision to choose it for auto insurance in Mobile. The insurer is also cheap, which means that policyholders do not have to compromise on service quality to get an affordable policy.
How was this MoneyGeek score calculated?
Excellent client satisfaction score
Offers gap insurance, airbag reinstallation and new car replacement
Good score in claims management
Doesn’t offer custom parts and original equipment manufacturer (OEM) coverage
Cincinnati Insurance has the highest customer satisfaction score in Mobile for auto insurance. Its claim management score may be average, but customers are still happy with the company and the service they receive.
Two great add-on coverages Cincinnati Insurance offers are gap insurance and new car replacement. In the case of a complete loss, gap insurance pays the difference between the value of your vehicle and the remaining amount on your lease or loan. With new car replacement, you get a new car, often of the same make and model, under certain total losses in a claim. You can also get airbag reinstallation, which covers the cost of replacing an airbag that accidentally deploys without being in an accident.
Best Cheap Car Insurance in Mobile
Alabama state law mandates a certain level of auto insurance coverage. The following companies provide the greatest value and service quality in Mobile for minimum coverage:
- Cincinnati Insurance: MoneyGeek score of 89 out of 100 ($236 per year)
- Country Financial: MoneyGeek score of 70 out of 100 ($339 per year)
Policies that only pay for the other drivers' damages after an accident in which you are at fault tend to be the cheapest in Mobile. They also offer the least protection since there is no coverage for your vehicle, and minimum coverage has low liability limits.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs around $236 per year.
Offers discounts for bundling, airbags and safe driving
High scores in satisfaction and affordability
No automatic payment or new customer discount
Cincinnati Insurance has the cheapest minimum coverage insurance in Mobile and the highest customer satisfaction score. It also offers various discounts to reduce the cost of auto insurance further. For example, bundling your home and auto insurance may entitle you to a discount, as can insuring multiple cars.
Having certain safety features like airbags or anti-lock brakes in your vehicle might also help lower your insurance costs. And not getting into an accident for a certain period of time may give you another discount. That discount not only helps you save but also encourages you to be more responsible when driving.
Average Cost of Car Insurance in Mobile
MoneyGeek found that the average cost of a full coverage auto insurance policy in the city of Mobile, Alabama, is $950 per year. That is around $40 more expensive than the average cost in Alabama but around $355 less than the average in the U.S. as of October 2022.
The limits for this full coverage policy are $300,000 in bodily injury liability per accident, $100,000 in bodily injury liability per person and $100,000 in property damage liability coverage. Keep in mind that there are several factors beyond location considered when insurers calculate a premium.
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