Cheap Auto Insurance in Mobile, Alabama (2024)
Auto-Owners is the cheapest insurer for Mobile drivers, with minimum-coverage rates as low as $42 per month.
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Updated November 21, 2024
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Table of contents
Mobile drivers pay more than other Alabama drivers for car insurance. The Port City has average car insurance rates of $159 per month for full coverage and $70 for liability-only policies, compared to the Alabama state averages of $143 and $60, respectively.
The city’s relatively high number of traffic accidents and population density of more than 1,300 people per square mile likely contribute to Mobile’s higher car insurance rates. But Mobile drivers can still find affordable car insurance by comparing rates from multiple insurers.
Quick Facts
Auto-Owners, State Farm, and USAA have the lowest car insurance rates for Mobile drivers.
Drivers in Alabama with any level of fault in an incident can’t sue the other party.
Mobile historically has the highest number of traffic accidents in Alabama, according to data from the Alabama Department of Transportation.
Best car insurance companies in Mobile
The best auto insurance company won’t be the same for every driver. That’s because insurance companies consider various factors, and your unique circumstances could make it easier or more challenging to find low rates for car insurance in Mobile. When comparing rates, you’ll want to consider your unique needs, such as being a teen driver or having a spotty driving record.
USAA, Auto-Owners, and State Farm offer consistently affordable rates in Mobile, and while none of these insurers may ultimately be the best insurer for you, researching them is a great place to start your insurance search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $70 | $37 | Drivers with a DUI |
| Auto-Owners | 8.5 | $70 | $37 | Drivers with a clean record |
| State Farm | 9.3 | $71 | $37 | Drivers with an accident |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with a DUI: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA was founded in 1922 by a group of soldiers who wanted to help protect each other’s vehicles. Today, the company serves more than 12 million members and has a net worth of $31 billion.
Pros
Variety of discounts, including bundle and save, military discounts, and good student
Investment and banking products also available
Policies available in all 50 states
Cons
Available only to active members of the military, veterans, or family members of service members
Not accredited with the Better Business Bureau (BBB)
No 24/7 live customer support
Best insurer for drivers with a clean record: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded in 1916, this Michigan-based insurance company covers nearly 3 million people. Auto-Owners operates in 26 states and offers a range of products, including auto insurance, life insurance, and business insurance.
Pros
Offers several bundling options
A+ rating from the BBB
24/7 emergency phone claims support
Cons
Only operates in 26 states
Online quotes not available
Poor BBB customer reviews
Best insurer for drivers with an accident: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $80/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm opened its doors in 1922 on the idea that farmers should pay less for insurance since their risks were different than city drivers. Today, the company is the nation’s largest insurer, based on the number of policies written, and offers a range of products from auto insurance to home insurance.
Pros
Unique products, like coverage for rideshare drivers
More than 100 years in the insurance industry
Higher-than-average customer satisfaction rating in J.D. Power's 2023 U.S. Auto Insurance Study
Cons
Gap insurance not available
Fewer discounts than other companies
Drivers with poor credit pay higher annual rates on average
How to get the cheapest car insurance in Mobile
To find the cheapest car insurance in Alabama, you must understand what companies look for when determining rates. Some of the most common things insurance companies look at include your driving history, age, credit score, type of vehicle you drive, where you live, and how many miles you drive each year.
Here are a few things you can do when shopping for rates to help save money:
Consider liability-only coverage. Liability-only coverage offers a lower monthly premium than full coverage. But it offers less protection, and if you finance or lease your vehicle, your lender or leasing company will require you to buy full coverage.
Look for discounts. Organizations like the AARP, good-grade programs, and safe driver programs can all help reduce your costs. Check with your employer to see if it gets deals through a specific insurance company.
Set up automatic payments. You may be able to snag a cheaper premium if you have your monthly or annual premium withdrawn from your bank account automatically.
Compare insurance rates from multiple companies. The most straightforward way to ensure that your insurance is the best deal is to compare coverage amounts and rates from multiple companies. This is especially important for drivers with incidents on their record.
Cheapest liability-only car insurance in Mobile: Auto-Owners
Liability car insurance policies cover damages to other people’s property in an accident you cause. Liability insurance may also cover the other party’s medical expenses in an accident, but it doesn’t cover the policyholder’s car, property, or personal injury expenses.
If you’re looking for cheap car insurance in Mobile, you might consider a liability-only policy. This policy type can also be great if you own your vehicle or can afford to pay for repairs or cover any of your personal medical expenses that may arise because of an accident.
Here’s a list of the most affordable liability-only policies from leading insurers in Mobile.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $42 |
| State Farm | $42 |
| USAA | $42 |
| Allstate | $45 |
| COUNTRY Financial | $46 |
| Travelers | $56 |
| National General | $60 |
| Direct Auto | $61 |
| GEICO | $62 |
| Nationwide | $71 |
| Progressive | $76 |
| Farmers | $77 |
| Root | $77 |
| Clearcover | $89 |
| AssuranceAmerica | $95 |
| Foremost | $98 |
| Safeco | $107 |
| Bristol West | $113 |
| GAINSCO | $116 |
| Liberty Mutual | $189 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Mobile: Auto-Owners
Though full coverage is more expensive than a liability-only policy, drivers in Mobile who need more protection should consider a full-coverage car insurance policy. Full-coverage auto policies provide liability and comprehensive coverage. Drivers with a loan on their vehicle or who don’t want to risk paying a lot out of pocket for repairs or medical expenses might consider a comprehensive auto policy.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $79 |
| USAA | $79 |
| State Farm | $80 |
| Allstate | $86 |
| COUNTRY Financial | $88 |
| Travelers | $108 |
| GEICO | $118 |
| Root | $122 |
| Nationwide | $135 |
| National General | $138 |
| Progressive | $144 |
| Farmers | $147 |
| Clearcover | $151 |
| Direct Auto | $154 |
| AssuranceAmerica | $187 |
| Safeco | $191 |
| Foremost | $251 |
| GAINSCO | $277 |
| Liberty Mutual | $285 |
| Bristol West | $294 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Mobile, Alabama
Recent Mobile, Alabama car insurance prices for Chevrolet, Chrysler, Toyota , and more.
*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mobile, Alabama within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Alabama
Alabama is an at-fault state. At-fault laws require the driver determined to be at fault for an accident to pay for any related injuries and damages. Drivers may also file lawsuits for additional compensation for injuries following an accident.
However, Alabama law only allows drivers to sue the other party if the other driver was determined to be 100% at fault for the accident.[1] Alabama operates on a contributory negligence system, which can prevent injured parties from suing if they’re found to have any fault in an accident.
In order to drive legally in Alabama, your insurance coverage must meet at least the minimum requirements listed below.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 to $50,000 |
| Property damage liability | $25,000 per accident |
In addition to your coverage to meet the state’s minimum requirements, you may also consider the following optional insurance coverages:
Towing and labor
You can add coverage to help cover the cost of towing your vehicle.
Rental reimbursement
Rental reimbursement will pay you back if you need to pay for a rental car while your vehicle is in the shop.
Mechanical breakdown
Mechanical breakdown insurance can cover the cost of mechanical part replacement and repairs. Damage associated with wear and tear won’t be covered.
Uninsured/underinsured motorist coverage
This coverage protects against injuries and damage caused by a driver who lacks insurance or doesn’t have enough insurance to cover all your damages.
Gap coverage
Gap coverage pays the difference between what your insurance company pays out and what you still owe on your vehicle.
Cheapest car insurance for Mobile drivers with an incident
Alabama uses a point system for drivers. Each incident (like an at-fault accident, speeding ticket, DUI, or moving violation) adds a set number of points to a driver’s record. Drivers that accumulate 12 points or more in two years face a minimum suspension of 60 days. If you have an incident on your driving record, it may also affect your ability to find cheap car insurance in Mobile.
An estimated 52% of automobile accidents in Alabama in 2022 occurred in urban areas like Mobile.[2] Incidents on your driving record are likely to increase your rates because insurance companies view people with incidents as more likely to file a claim in the future.
In the sections that follow, you’ll see how different incident types can affect your car insurance rates.
Shop for Car Insurance in Mobile, AL
Minimum-coverage policies start at $99/mo. for drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets can add points to your driving record in Alabama and increase your insurance rates. Drivers convicted of speeding between one and 25 mph over the posted limit will see two points added to their driving record, while drivers exceeding 25 mph over the speed limit will see five points added to their record. Drivers traveling more than 15 mph or more over the speed limit risk a serious driving offense. Two serious offenses in three years will result in a license suspension.
Mobile drivers who've been cited for speeding see average car insurance rates of $249 per month for full coverage, and $109 for minimum coverage. Here are monthly liability-only quotes from top Mobile insurers for drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $42 | $59 |
| State Farm | $42 | $57 |
| USAA | $42 | $58 |
| Allstate | $45 | $62 |
| COUNTRY Financial | $46 | $65 |
| Travelers | $56 | $78 |
| National General | $60 | $83 |
| Direct Auto | $61 | $84 |
| GEICO | $62 | $86 |
| Nationwide | $71 | $99 |
| Progressive | $76 | $104 |
| Farmers | $77 | $106 |
| Root | $77 | $113 |
| Clearcover | $89 | $123 |
| AssuranceAmerica | $95 | $131 |
| Foremost | $98 | $145 |
| Safeco | $107 | $150 |
| Bristol West | $113 | $157 |
| GAINSCO | $116 | $171 |
| Liberty Mutual | $189 | $279 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident could increase your rates, as companies view drivers with a history of at-fault accidents and claims as higher risk. In addition to higher car insurance rates, you may also face additional fines from the state and have points added to your driving record based on the nature of the accident.
An at-fault accident pushes average monthly insurance rates in Mobile to $116 for liability-only policies and $262 for full coverage. Fortunately, you can help lower your insurance rates by practicing safe driving habits, taking an approved defensive driving course, and avoiding additional offenses.
The following table shows average monthly quotes from top insurers for Mobile drivers with accidents on their driving history.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $42 | $62 |
| State Farm | $42 | $61 |
| USAA | $42 | $61 |
| Allstate | $45 | $66 |
| COUNTRY Financial | $46 | $70 |
| Travelers | $56 | $82 |
| National General | $60 | $88 |
| Direct Auto | $61 | $91 |
| GEICO | $62 | $91 |
| Nationwide | $71 | $105 |
| Progressive | $76 | $112 |
| Farmers | $77 | $112 |
| Root | $77 | $120 |
| Clearcover | $89 | $139 |
| AssuranceAmerica | $95 | $136 |
| Foremost | $98 | $152 |
| Safeco | $107 | $155 |
| Bristol West | $113 | $165 |
| GAINSCO | $116 | $163 |
| Liberty Mutual | $189 | $293 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Data from the Alabama Department of Transportation shows drug- or alcohol-impairment was a suspected factor in 5,005 crashes that killed 197 Alabamans in 2022. [2] If you’re convicted of DUI, you can expect your insurer to raise your rates dramatically. In some cases, your insurer may drop you altogether. In addition, you may also risk a license suspension and up to six points on your driving record for a DUI-related offense.
Mobile drivers with DUI convictions see average monthly car insurance costs of $294 for full coverage and $130 for minimum-coverage policies. Here are average monthly quotes for Mobile drivers with DUIs.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $42 | $73 |
| State Farm | $42 | $73 |
| USAA | $42 | $73 |
| Allstate | $45 | $79 |
| COUNTRY Financial | $46 | $80 |
| Travelers | $56 | $98 |
| National General | $60 | $105 |
| Direct Auto | $61 | $107 |
| GEICO | $62 | $108 |
| Nationwide | $71 | $124 |
| Progressive | $76 | $133 |
| Farmers | $77 | $135 |
| Root | $77 | $121 |
| Clearcover | $89 | $156 |
| AssuranceAmerica | $95 | $166 |
| Foremost | $98 | $171 |
| Safeco | $107 | $174 |
| Bristol West | $113 | $198 |
| GAINSCO | $116 | $203 |
| Liberty Mutual | $189 | $331 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
In most states, the cost of insurance premiums decreases for drivers once they turn 25. Statistically, drivers between 25 and 70 have lower incident rates. However, rates begin to increase again for drivers older than 70. Roughly 66% of older drivers involved in fatal vehicle accidents are older than 65.[3] This increase in serious accidents among older drivers leads to slight increases in car insurance rates.
The average cost of car insurance for senior drivers in Mobile is $53 per month for minimum coverage and $121 for full coverage. Below are the average monthly quotes you could pay as a senior driver in Mobile.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $31 | $60 |
| Auto-Owners | $32 | $60 |
| USAA | $32 | $61 |
| Allstate | $35 | $66 |
| COUNTRY Financial | $36 | $68 |
| Travelers | $42 | $81 |
| National General | $44 | $101 |
| Direct Auto | $46 | $115 |
| GEICO | $47 | $90 |
| Nationwide | $51 | $96 |
| Progressive | $52 | $99 |
| Farmers | $58 | $110 |
| Root | $62 | $98 |
| AssuranceAmerica | $69 | $135 |
| Clearcover | $74 | $125 |
| Foremost | $75 | $192 |
| Bristol West | $87 | $226 |
| Safeco | $88 | $157 |
| GAINSCO | $93 | $223 |
| Liberty Mutual | $152 | $230 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Vehicle accidents are the second-leading cause of death among teens.[4] Teen drivers have a crash rate three times higher than drivers older than 20. The Centers for Disease Control and Prevention reports that male teens are more likely to be involved in a vehicle accident, as are new drivers and teens driving with other young passengers.
Insurance companies charge higher rates for teen drivers because they present a higher risk for getting into accidents. Fortunately, young drivers can help lower their rates by staying on their parents’ car insurance, taking an approved defensive driving course, and applying for discounts through a good-grade program.
Car insurance for teen drivers in Mobile costs, on average, $303 per month for full coverage and $133 for liability-only insurance. Here are monthly quotes from top insurers for teen drivers in Mobile.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $71 | $135 |
| Auto-Owners | $75 | $141 |
| USAA | $75 | $141 |
| State Farm | $76 | $146 |
| Allstate | $85 | $162 |
| GEICO | $105 | $201 |
| Travelers | $107 | $207 |
| Direct Auto | $118 | $297 |
| Root | $123 | $194 |
| National General | $124 | $286 |
| Nationwide | $131 | $250 |
| Progressive | $141 | $267 |
| Farmers | $142 | $272 |
| Clearcover | $173 | $293 |
| AssuranceAmerica | $184 | $363 |
| Foremost | $184 | $472 |
| Bristol West | $202 | $525 |
| GAINSCO | $212 | $506 |
| Safeco | $217 | $387 |
| Liberty Mutual | $344 | $518 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Mobile car insurance quotes by credit tier
Alabama allows insurance companies to use credit history as a baseline for determining insurance premiums. However, the state prohibits companies from using a lack of credit history as a reason for declining coverage. Your credit score can affect the cost of your car insurance through an insurance score. Higher credit scores may qualify you for different rates, while a bad credit score could increase the cost of your insurance policy.
The table below shows how your credit score can affect your monthly car insurance rates in Mobile, Alabama.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Mobile?
On average, Mobile drivers spend $159 per month for full coverage car insurance and $70 for liability-only coverage. By comparison, the average monthly cost of car insurance in Alabama is $143 for full coverage and $60 for minimum coverage.
Insurance rates may vary for a number of reasons. One reason is that larger cities often have higher insurance premiums due to more vehicles on the road, which increases the risk of car accidents. Other factors that may cause the cost of insurance to vary by city include cost of living, crime rate, and market competition.
More cities in Alabama
Mobile has some of the highest rates in Alabama for car insurance. This could be due to several factors, including the frequency of accidents, the cost of repairs, and more in the Mobile area. The table below shows average monthly rates in other Alabama cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Birmingham | $164 | $67 |
| Huntsville | $141 | $63 |
| Madison | $147 | $64 |
| Montgomery | $173 | $68 |
| Tuscaloosa | $158 | $64 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Mobile car insurance FAQs
If you still have questions about finding the most affordable car insurance in Mobile, Alabama, the information presented below can help.
How much is car insurance in Mobile?
The average cost of car insurance in Mobile is $159 per month for full coverage and $70 for liability-only coverage. Your actual car insurance rates may be higher or lower than the average for your community based on a number of factors, including your age, gender, and driving record.
Which car insurance companies are the cheapest in Mobile?
Auto-Owners is the cheapest car insurer in Mobile, with liability-only rates as low as $42 per month for drivers with clean records. State Farm and USAA are the city's second- and third-cheapest insurers, with liability-only rates of $42 and $42, respectively.
What are the best car insurance companies in Mobile?
Auto-Owners, USAA, and State Farm not only offer the most affordable rates in the area, but they also check in as three of the top insurers in the area. State Farm has an industry-leading Insurify Quality (IQ) Score of 9.3, while USAA is right behind with a score of 9.4. Auto-Owners has a score of 8.5. All three companies offer lower-than-average car insurance rates for Mobile drivers.
What factors affect car insurance costs in Mobile?
The price you pay for insurance in Mobile can be affected by many things, including your credit score, age, gender, marital status, and driving history. Geography plays a role as well, and rates in Mobile are affected by the number of accidents in the area, the cost of living, and the cost of car repairs.
How much car insurance do you need in Alabama?
In order to drive legally in Alabama, your insurance coverage must meet the state’s minimum requirements of $25,000 to $50,000 in bodily liability injury and $25,000 per accident in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Alabama
Sources
- Alabama.Judicial.gov. "Alabama Rules of Civil Procedure."
- Alabama Department of Transportation. "2022 Crash Facts."
- National Security Council. "Older Drivers."
- Insurance Information Institute. "Facts + Statistics: Teen drivers."
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