Compare Mobile, AL Car Insurance Rates (2021)

The cheapest auto insurance in Mobile, AL, is from GEICO, although rates will vary for each person. Mobile, AL auto insurance must meet the state minimum requirements with coverage levels of 25/50/25 for liability. To cut out-of-pocket expenses, you should get a higher coverage limit. Compare Mobile, Alabama car insurance rates online to get the best price.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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UPDATED: Mar 23, 2021

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Here's what you need to know...

  • Car insurance in Mobile, Alabama, is $584 more per year than the Alabama average
  • The cheapest car insurance company in Mobile, AL is USAA
  • Some of the most critical factors are driving record, credit history, age, and gender
  • Vehicle theft in Mobile, Alabama, can affect your comprehensive coverage costs

Mobile, AL car insurance rates are $4,151 per year or $346 per month. The Alabama average is $584 cheaper, and the national average is $219 more affordable.

So why is Mobile, AL, car insurance so expensive?

Mobile is on the coast of Mobile Bay and home to the University of South Alabama. Therefore, car insurance in Mobile, AL, is mainly affected by young drivers.

Overall, auto insurance rates are determined by various factors, including the company you choose, your driving history, and much more.

Don’t worry – we’re here to help. Our guide explains how you can secure cheap car insurance in Mobile, AL.

Ready to find affordable Mobile, AL car insurance? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Mobile, AL?

The cheapest car insurance company in Mobile, Alabama, is USAA. The following most affordable companies are Nationwide and GEICO.

Here are the best auto insurance companies in Mobile, Alabama, ranked from cheapest to most expensive:

  • USAA – $2,314
  • Nationwide – $2,934
  • GEICO – $3,097
  • Allstate – $3,569
  • Travelers – $4,186
  • Farmers – $4,849
  • Progressive – $5,185
  • State Farm – $5,385
  • Liberty Mutual – $5,840

USAA, Nationwide, GEICO, and Allstate are the only Mobile, AL car insurance providers with cheaper than average rates. However, your auto insurance rates will depend on personal factors.

The most crucial factor is your driving history. Some auto insurance companies provide up to 35 to 40 percent off annual premiums if you have a clean driving record. Combine that with a good credit score, and you can save hundreds on auto insurance per year.

Another important factor that determines car insurance is location. Auto insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Mobile, AL? The most affordable ZIP code in Mobile, AL, is 36693, and its average car insurance cost is $347 per month.

Male drivers under 25 have the most expensive car insurance rates in Mobile, AL. Meanwhile, married drivers who are 25 and older pay up to $1,300 less.

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What are the minimum car insurance coverage requirements in Mobile, AL?

All drivers in Mobile need to carry the minimum Alabama car insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

Mobile, AL has a fluctuating population due to tourism and college attendance in the city. This means more people will be on the road and more risks for Mobile, AL residents.

It may be best to increase your coverage limit to prevent out-of-pocket costs even if it will increase your Mobile, AL auto insurance rates.

What affects car insurance rates in Mobile, AL?

Work commutes and your city’s vehicle theft rate can determine your auto insurance rates. Your chances of getting into an accident go up the more you drive. Meanwhile, vehicle thefts determine your chances of filing a comprehensive insurance claim.

The city of Mobile, Alabama, didn’t share vehicle theft data with the FBI in 2019. However, NeighborhoodScout reported that Mobile residents have a one in 31 chance of becoming a victim of property crime.

What about your daily commute to work? According to City-Data, the average Mobile, AL commute is 20 minutes, which is five minutes faster than the national average.

Mobile, AL Car Insurance: The Bottom Line

The best way to get cheap car insurance in Mobile, AL, is by maintaining a clean driving record. If you have a good credit score, take advantage of the low prices provided by your auto insurance company.

Also, you should report your vehicle’s safety and anti-theft features so you can save more money on car insurance.

Before you buy car insurance in Mobile, AL, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Mobile, AL car insurance quotes.

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