bestauto insuranceMobileCompare the Cheapest Car Insurance Quotes in Mobile, AL
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
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 GEICO as the city's best auto insurance provider overall due to affordability and the high quality of its customer service.
bestauto insuranceMobileThe 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
- Company100/300/100per year
- 1.$668
- 2.$816
- 3.$888
- 4.$1,039
- 5.$1,050
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 increase 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.
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
- CompanyState Minimumper year
- 1.$319
- 2.$371
- 3.$498
- 4.$504
- 5.$563
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$742
- 2.$973
- 3.$988
- 4.$1,260
- 5.$1,269
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.
The Best Car Insurance Companies in Mobile
MoneyGeek evaluated Mobile's auto insurers based on their claims ratings, customer satisfaction scores and average premiums. Using these criteria, MoneyGeek found the following two to be the top auto insurance companies in Mobile:
- GEICO: MoneyGeek score of 86 out of 100
- Allstate: MoneyGeek score of 78 out of 100
With a near-perfect overall score of 99 out of 100, USAA is the best car insurance provider in Mobile. However, we did not include the insurer on our list because it only sells its policies to active or retired military members and their families.
1
GEICO
Score:86
GEICO was rated the best in affordability and financial stability in Mobile and also received high claims and user satisfaction scores. The average annual cost of GEICO's full coverage policy is about $816. It has a rare coverage called mechanical breakdown insurance.
More About GEICO
GEICO’s mechanical breakdown insurance covers damage to parts and systems and costs less than the dealer's extended warranty. With accident forgiveness, which is occasionally offered by competitors, your premium will not go up after your first at-fault accident. If you are over 21 and haven't had an accident in the last five years, you can buy or earn accident forgiveness. GEICO’s policyholders can also get add-on coverage for rental car reimbursement and roadside assistance, which most insurance companies offer.
Read MoneyGeek's GEICO auto Insurance Review2
Allstate
Score:78
Allstate received subpar scores in claims and customer satisfaction but an excellent rating in financial stability. A full coverage policy from Allstate in Mobile costs roughly $888 per year on average, making it the second-cheapest insurer in the city, and its custom parts coverage is a unique add-on coverage.
More About Allstate
Allstate’s custom parts coverage protects against losses to custom equipment, including carpeting, bars, murals, decals and more. If you add its portable electronics and media coverage, you will be compensated for the loss of tapes, compact discs or similar materials used with an auto sound system. And with its sound system coverage, damage to a permanently installed sound system in your vehicle is covered.
Read MoneyGeek's Allstate auto Insurance Review3
Country Financial
Score:77
4
State Farm
Score:70
5
Travelers
Score:70
6
ALFA
Score:62
7
Farmers
Score:52
8
MetLife
Score:52
9
Nationwide
Score:42
10
Progressive
Score:32
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 CodeState 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.
About Mark Fitzpatrick
