Cheapest Car Insurance In Mobile, AL

State Farm scored highly in our review, and came out on top as the best cheap car insurance option for Mobile residents.

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Written by
Doug Schaffer
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After some extensive research, our team reviewed over 60 separate quotes from the nation’s top insurance providers, State Farm consistently came out on top as the cheapest car insurance company for drivers in Mobile, Alabama. While State Farm had the cheapest rates for minimum coverage, full coverage, and motorists with violations, we also found that numerous other companies offered affordable rates.

For instance, we found that Travelers Insurance was the least expensive for young drivers, and Assurance America ranked the most affordable for senior drivers. Additionally, drivers with a bad credit history can find the best rates with Nationwide, whereas USAA was the best choice for active and retired military members.

In the last five years, Mobile, Alabama, has seen huge growth within the private sector. With more people relocating to the area for work, it’s imperative to have an understanding of the city’s average auto insurance rates and compare them with other regions in the state.

An example being, the average monthly cost for a car insurance policy in Mobile is $252, while the average in the entire state is only $185. Although Mobile’s average car insurance plan is significantly more expensive than other cities in Alabama, there are many ways of finding cheaper coverage.

In this review, we’ll take a detailed deep dive into a select few insurers in Mobile, to find the cheapest rates and explore how various criteria, including credit, age, and driving record, can impact the amount you pay each month.

Cheapest and best car insurance companies in Mobile, AL 2024

Cheapest Car Insurance, Mobile 2024

Compare the cheapest car insurance providers in Mobile, AL

Overall Rating Best For JD Power Rating Average Annual Cost AM Best Rating Get A Quote
State Farm

Affordable Coverage




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Travelers Insurance

Young Drivers




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Assurance America

Senior Drivers




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State Farm

Driving Violations




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State Farm

Full Coverage




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State Farm

Minimum Coverage




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Our methodology

In order to find the cheapest rates for car insurance in Mobile, we took findings from a number of car insurance review websites, some of which looked into rates from public filings taken by Quadrant Information Services. We also incorporated the combined twenty-five years of experience from our team of experts to analyze each provider. It’s also important to make you aware that even though the prices listed in this review are accurate, premiums shift every day and can vary based on the driver applying for a policy.


Quotes Analyzed


Brands Reviews


Years of Industry Experience


Hours of Research

Cheapest car insurance providers in Mobile, AL

Cheapest Overall Rates

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

When deciding which car insurance provider to go with, you want to choose a company that’s both affordable and dependable — and that’s exactly what you get with State Farm.

In our quest to find the cheapest options in Mobile, State Farm continuously outdid its competitors in almost every category. Their inexpensive monthly premiums and established reputation for offering a fantastic customer service have made them the no.1 choice for the best and cheapest insurance for Mobile drivers.

Benefits & Drawbacks

  • Superb customer service ratings
  • Average annual rates are lower than the national average
  • A large number of customers continue to renew their policies with State Farm
  • Not as affordable for drivers with a poor credit history
  • Gap insurance not available for policyholders

Cheapest Overall Rates in Mobile

Company Average Rate Per Year
State Farm $1,017
USAA $1,032
Allstate $1,168
Amigo USA $1,391
Travelers $1,375

Cheapest Coverage for Motorists with Driving Violations

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

Unfortunately, accidents happen, which can then lead to a higher monthly insurance payment. However, several insurers, including State Farm, have a more lenient approach to individuals with driving violations. Although the rates are still higher in comparison to drivers with a clean record, State Farm still offers competitive rates for those without.

For instance, State Farm beat more than 20 other insurers regarding monthly rates for drivers who have DUIs, speeding tickets, or at-fault accidents.

The insurer’s forgiving rates, and superb customer support make it the best choice for individuals with a less-than-perfect driving record.

Benefits & Drawbacks

  • Hundreds of insurance agents available to answer queries
  • Ranked highly on the J.D. Power rating system for customer support
  • Strong financial ratings reported by AM Best
  • Limited customizable insurance options in comparison to other large insurance companies

As time passes, a lot of drivers will likely receive a minor driving violation, at the very least. This could be for speeding, or not coming to a complete halt at a stop sign. These minor incidents will not have a huge impact on your car insurance premium, however, if these minor incidents mount up over a short period, then you could see an increase in your rates.

Other incidents that considered to be major offenses, including DUIs, reckless diving, and at-fault car wrecks, will have a significant impact on your monthly rates. This is primarily down to the provider now seeing a driver as more of a risk.

If a driver is particularly risky when on the road, then chances are that they are more likely to be involved in an accident, and therefore more likely to file a claim.

Cheapest Rates for Motorists with Driving Violations in Mobile

Company Average Rate Per Year
State Farm $1,974
USAA $2,058
Allstate $2,265
Travelers $2,737
GEICO $3,173

Cheapest Full Coverage Rates

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

It’s true that minimum coverage can save you a bit of money in the short term, however, full coverage provides a driver with a better level of protection overall for both themselves, and their vehicle. The majority of providers will up their rates significantly for the additional coverage, whereas State Farm continue to offer the most affordable rates.

To give you an idea, when comparing State Farm with another insurer ranking 5th, the difference was almost $500.

For drivers seeking an affordable insurance policy with optimum coverage, State Farm is an excellent option.

Benefits & Drawbacks

  • Offers a generous renewal discount above the industry average
  • Creative discount opportunities available, such as usage-based insurance discount
  • Numerous discount programs available for drivers focused on safe driving, education, and multiple vehicles, or policies
  • Does not offer all types of coverage, including gap insurance
  • Not as affordable for certain groups of drivers, including drivers with bad credit

A lot of drivers can assume that minimum coverage covers all expenses in an accident – whether it’s with another automobile or personal property. It’s important to know that minimum coverage will only cover the other person involved, and their property – not you or your vehicle.

Opting for a full, comprehensive coverage will provide drivers with an added layer of protection that covers any expenses that relate to both you and your vehicle.

Full, comprehensive coverage auto insurance policies will include the following four protections:

  • Property damage liability
  • Bodily injury liability
  • Comprehensive and collision
  • Roadside assistance or rental car reimbursement

Cheapest Full Coverage Rates in Mobile

Company Average Rate Per Year
State Farm $1,262
USAA $1,287
Allstate $1,452
Amigo USA $1,661
Travelers $1,748

Cheapest Minimum Coverage Rates

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

Much like many of the other categories in our list, State Farm is yet again the cheapest insurer for Mobile drivers looking to purchase a minimum coverage policy. Out of the 60+ providers we analyzed, State Farm was one of only three insurers that offered annual rates below $1,000.

State Farm also scored highly for customer support ratings, financial strength from independent agencies, and affordable premiums. These three elements make State Farm a provider that every type of driver should consider, more specifically drivers seeking a full, comprehensive auto insurance policy.

Benefits & Drawbacks

  • Known for its industry-leading customer support and quality products
  • Drivers can take advantage of an extensive list of discounts based on their driving record, education, and usage
  • Strong financial ratings from independent agencies including AM Best
  • No option to add gap insurance to a car insurance policy

If you’re planning on buying a minimum coverage policy, keeping Alabama’s legal limits at the forefront of your mind is a good idea. Below is a list of the things that you should ensure are included in your policy:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one accident
  • $25,000 maximum for property damage per accident

Drivers who fail to maintain the above minimums could face fines of up to $400 for multiple offenses.

Cheapest Minimum Coverage Rates in Mobile

Company Average Rate Per Year
State Farm $765
USAA $794
Allstate $876
Travelers $1,036
GEICO $1,272

Cheapest Rates for Young Drivers

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Travelers Insurance may not be the cheapest option for every category, however, it’s a really good choice for young drivers seeking affordable insurance with rates almost $200 less than the 2nd ranked insurance provider. Travelers Insurance also offer a wide selection of coverage add-on options, such as rideshare coverage.

They are also renowned for their fantastic customer service, known historically for receiving very few complaints, according to the National Association of Insurance Commissioners.

Benefits & Drawbacks

  • Ranks as one of the top insurance providers for customer support
  • Large selection of auto insurance options and customizable plans
  • Drivers have access to accident forgiveness as well as minor violation forgiveness
  • Average cost for a typical insurance policy is higher than many other providers
  • Lower bundling discounts than its competitors
  • Mobile app is outdated

When you’re a young driver who’s just got their driver’s license, it can be an incredibly exciting time – if a little overwhelming. With this newfound freedom, comes great responsibility of managing an automobile safely while on the road.

Many providers increase their rates for young drivers, mainly because of their lack of experience behind the wheel.

Overtime, as younger drivers gain more experience on the road, and maintain a clean record, insurers calculate a more accurate risk assessment, which tends to mean rates will be lower as you age.

Cheapest Rates for Young Drivers in Mobile

Company Average Rate Per Year
Travelers Insurance $2,069
Progressive $2,245
Clearcover $2,637
Foremost Signature $2,657
SafeAuto $2,648

Cheapest Rates for Senior Drivers

Overall Rating

Key Statistics

7/10 Affordability
8/10 Customer Reviews
7/10 Payouts
7/10 Coverage Level

Why We Like Them

Relatively unknown provider, Assurance America, are a great option for senior drivers in Mobile, Alabama. Based in Georgia. Assurance America also offer an excellent customer support as well as affordable rates for seniors.

Assurance America also have a downloadable app available that’s simple to use, making it easy to edit account information and look up payment details.

Benefits & Drawbacks

  • Offers coverage for drivers needing SR-22s
  • Personalized experience thanks to a first-class customer service team
  • Simple to navigate mobile app makes it possible to quickly access account details
  • Limited availability in a select few states
  • Only offers basic coverage options for drivers

Many seniors may find it difficult to access their account information, however, with Assurance America, there are several ways for them to do this, including speaking with a representative of the company. We’ve heard nothing but rave reviews from customers who spoke highly of their politeness and friendly customer service team.

As well as easily accessible account information, many senior drivers are on a fixed income which means they need an affordable premium. Thankfully, many insurance providers offer a special discount that helps to keep costs down as drivers get older.

Cheapest Rates for Senior Drivers in Mobile

Company Average Rate Per Year
Assurance America $1,491
Progressive $1,475
Nationwide $1,642
InsureMax $1,658
Safeco $1,812

Average cost of car insurance in Mobile, Alabama

Insurance Company Average Monthly Quote
State Farm $108
USAA $105
GEICO $167
Farmers Insurance $191
Liberty Mutual $345

Average cost in Mobile – By Age

Age Group Average Monthly Rate
Teenagers $724
Under 25 $342
25-29 $264
30s $232
40s $215
50s $271
60s $247
70s $188
80s $134

Average cost in Mobile – By Gender

Gender Average Monthly Cost
Female $249
Male $252

Average cost in Mobile – Marital Status

Marital Status Average Monthly Cost
Single $214
Married $207

Average cost in Mobile – By Accident and Violation History

Violation/Incident Type Average Monthly Rate
Clean Record $101
Speeding Ticket $142
DUI/DWI $205
At-Fault Accident $158

Average cost in Mobile – By Credit Tier

Credit Tier Average Monthly Rate
Excellent $215
Good $252
Fair $276
Poor $431

Average cost in Mobile – By Zip Code

Zip Code Average Monthly Cost
36608 $1,953
36618 $1,882
36671 $1,918

Minimum car insurance requirements in Alabama

Each state has requirements for a driver’s minimum auto insurance to operate a vehicle legally. For Alabama drivers, the requirements for minimum car insurance include the following:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one incident
  • $25,000 maximum for property damage per incident

While the majority of providers will include these coverage amounts in your standard policy, it’s still a good idea to go through the terms of your agreement before accepting.

How to buy car insurance in Mobile

Many people may assume that buying car insurance is a complicated and time-consuming process. However, most drivers can find a policy within a matter of minutes when utilizing sites such as like Insuranceopedia to compare free quotes.

Listed below are some essential steps when buying a car insurance policy in Mobile.

Step 1: Gather Information

You can complete the information step during the purchasing process, however, it’s always easier to make sure you have it all beforehand. The information that you’ll be required to provide includes:

  • Driving history for all drivers who will be on the plan
  • Information regarding your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
  • Driver’s license numbers for all policy members
  • Name and birthdate of all policy members
  • Information on the current insurer, if you’re switching carriers

Step 2: Be Aware Of Your Coverage Needs

For drivers in Mobile, the state of Alabama requires that each motorist carry a policy that has the following minimums:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one incident
  • $25,000 maximum for property damage per incident

Make a note of these numbers and keep them in mind as you carry on through the steps of buying a policy. The state of Alabama could issue you a fine for driving without proper insurance and minimum coverage.

Step 3: Select a Purchasing Method

Nowadays, many people will shop online for their insurance as it’s often the easiest method. It also allows a consumer to compare a few different offers without the pressure of an agent. While this may be true, there are some benefits to doing things the old-fashioned way.

For example, working with an insurance agent allows you to ask any burning questions and receive an answer instantly. While many insurers have a chat feature on their site, you may have to wait for the information you need in order to proceed with a policy.

Regardless of which method you go for, whether its online or through an agent, choosing the policy that’s best suited to you and your current situation is what’s most important.

Step 4: Compare Auto Insurance Policies

It’s often easy to simply opt for the first quote you get from an insurance agency. However, collecting at least three quotes from different insurers is always worth doing. With more quotes, you can compare their premiums and review the types of discounts you qualify for from each provider.

Step 5: Purchase Your New Auto Insurance Policy

The final step is purchasing. You’ll need to buy your new policy and close any open ends at this step.

For example, if you’re replacing coverage, you’ll want to contact your previous insurer and have them cancel your car insurance policy after the new plan has become active.

Factors that impact the cost of your policy in Mobile

There are several factors that will play a role in determining your monthly insurance rates. For example, your location is often a criterion that can have an impact on your rates.

The insurance company could deem your location high-risk depending on which zip code you live in or where your car is parked. In these particular zones, car theft and vandalism are often more likely to take place, so insurance rates are generally a little higher.

Along with location, several other factors affect the cost of car insurance, including:

  • Age
  • Gender
  • State Insurance Requirements
  • Driving Record
  • Vehicle Type
  • Average Annual Mileage
  • Credit History
  • Marital Status

Alabama car insurance laws to be aware of

Alabama’s most important car insurance law is the minimum liability coverage of 25/50/25. Drivers must carry an insurance plan with a minimum of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

These coverage levels are a good way of protecting other drivers, however, it will not cover you or your vehicle. To guarantee full protection for you and your vehicle, you’ll need additional insurance such as comprehensive or collision coverage.

In the news

  • Automobile insurance experts predict insurance rates to rise by 7 percent throughout Alabama, affecting cities such as Mobile
  • State Farm could stop offering coverage for certain Kia and Hyundai vehicles due to likelihood of theft within the area

Information about Mobile

Mobile, Alabama is a vibrant coastal town, which was once referred to as the Paris of the South. With an interesting history that spans 300 years, there are lots of traditions that are celebrated on a regular basis.

Both Mobile and Mobile County have a combined population of over 410,000. The city of Mobile is the 4th most populated city in the whole of Alabama, with almost 200,000 residents. Mobile is also the oldest city in Alabama and is the home of America’s Original Mardi Gras. With its close proximity to the Gulf of Mexico along with Mobile Bay, Mobile has the 13th busiest port in the whole of the U.S.

Car insurance discounts in Mobile

As well as seeking affordable policies, drivers are encouraged to take advantage of any discounts available that could help save you money. Listed below are some of the discounts to keep in mind when looking to purchase your next insurance:

  • Safe driver
  • Low mileage
  • Accident-free
  • Defensive driving
  • Good student
  • Student away
  • Senior
  • Military
  • Multi-policy
  • Multi-vehicle
  • Paid in full


Why is Alabama car insurance so high?

There are many factors that can have an impact on the average monthly rates of a state. For Alabama, the state average is generally higher than other areas of the country because of two elements — high incidence of car accidents and an increased number of uninsured drivers.

How much is car insurance in Alabama a month?

Most drivers can expect a monthly payment average of $185 for insurance coverage in Alabama. However, criteria such as credit history and an individual’s driving record can alter the rates.

Which company offers the cheapest car insurance in Mobile, AL?

Generally speaking, State Farm offers the cheapest rates in Mobile, AL, for several groups of drivers. For example, drivers will pay around $105 per month for an insurance policy through State Farm, which is $80 less than the state average for coverage.

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