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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 16, 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.

Monthly Mobile, AL Car Insurance Rates by ZIP Code

Check out the monthly {CITY, STATE ABBREVIATION} auto insurance rates by ZIP Code below:

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Mobile, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Mobile, AL stack up against other top metro auto insurance rates? We’ve got your answer below.

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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.

Which Mobile, AL auto insurance company has the cheapest rates? And how do those rates compare against the average Alabama auto insurance company rates? We’ve got the answers below.

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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.

Mobile, AL auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Mobile auto insurance rates. Find the cheapest Mobile, AL auto insurance rates by coverage level below:

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Your credit score will play a major role in your Mobile auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Mobile, AL auto insurance rates by credit score below.

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Your driving record will play a major role in your Mobile auto insurance rates. For example, other factors aside, a Mobile, AL DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Mobile, AL auto insurance rates by driving record.

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Factors affecting auto insurance rates in Mobile, AL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Mobile, Alabama auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Alabama does use gender, so check out the average monthly auto insurance rates by age and gender in Mobile, AL.

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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.

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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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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Mobile, AL Car Insurance Rates by ZIP Code
Mobile, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Mobile, AL Car Insurance Rates by Company vs. City Average
Mobile, AL Car Insurance Rates by Company and Age
The Cheapest Mobile, AL Car Insurance Rates by Coverage Level
The Cheapest Mobile, AL Car Insurance Rates by Credit Score
The Cheapest Mobile, AL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Mobile, AL
Average Monthly Car Insurance Rates by Age & Gender in Mobile, AL
Monthly Mobile, AL Car Insurance Rates by ZIP Code
Mobile, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Mobile, AL Car Insurance Rates by Company vs. City Average
Mobile, AL Car Insurance Rates by Company and Age
The Cheapest Mobile, AL Car Insurance Rates by Coverage Level
The Cheapest Mobile, AL Car Insurance Rates by Credit Score
The Cheapest Mobile, AL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Mobile, AL
Average Monthly Car Insurance Rates by Age & Gender in Mobile, AL