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.
Compare the Cheapest Car Insurance Quotes in Mobile, AL
The Cheapest and Best Car Insurance in Mobile
The Cheapest Car Insurance Companies in Mobile
The two companies offering the cheapest rates for a full coverage car insurance policy in Mobile are:
- USAA: $668 yearly (only serving current and former military members)
- GEICO: $816 yearly
In Mobile, the cheapest widely available car insurance policy comes from GEICO, with an average annual rate of $816. You can also find low rates from Allstate, as their annual premium costs about $888 on average. If you are a military member, you can get exceptional rates from USAA, at around $668 per year.
The sample profile used for this analysis is for a 40-year-old male driver with a full coverage policy, including liability and comprehensive collision coverage.
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Average Cost of Car Insurance in Mobile
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.
The Best Car Insurance Companies in Mobile
Using a scoring system, MoneyGeek rated and ranked the best insurance companies in Mobile for those looking for a balance of affordability and quality service. MoneyGeek rated the two companies as the best in the city:
- Auto-Owners: MoneyGeek score of 90 of 100
- ALFA: MoneyGeek score of 88 of 100
USAA received the highest score in Mobile by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate the scores out of a possible 100, MoneyGeek evaluated J.D. Power user satisfaction, affordability and financial stability.
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.
Shopping around for car insurance in Mobile could save you $420, which is enough to buy:
Cheapest Car Insurance in Mobile by Coverage Amount
In Mobile and elsewhere, the amount of insurance that you opt for will affect the cost of insurance. On average, a state minimum liability plan covering bodily injuries and property damages costs $628 in Mobile, while a full coverage policy with higher liability limits costs $1,236 yearly. That is a difference of $608.
Alabama Minimum Liability Requirements
- 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.
Car insurance companies in Mobile provide varying coverage levels. Of the numerous options available, the most affordable car insurance plan for most drivers is GEICO, with a state minimum liability-only policy priced at $371 on average. However, this policy will only cover the other driver’s expenses. If you want coverage for your expenses, you should upgrade to a full-coverage plan.
If the price difference between liability-only and full-coverage plans is insignificant, full coverage may be worth the extra money. For instance, if you want a 50/100/50 full-coverage policy, you would need to pay around $294 more per year with GEICO than you would spend for its 50/100/50 liability-only plan.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Mobile if You Have Driving Violations
Car insurance quotes in Mobile may increase or decrease depending on your driving record. At-fault accidents, DUIs and speeding tickets all increase insurance prices.
If you do not have any violations, you can get a GEICO policy for an average of $816 per year. A speeding ticket adds roughly $157, while an at-fault accident increases average rates by $399. Meanwhile, a DUI adds $878 per year on average.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
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.
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