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Jerry Data & Research
Cheapest car insurance in Mobile, Alabama (Nov 2024)
Cheapest car insurance in Mobile, Alabama (Nov 2024)
Drivers in Mobile pay $82/month for minimum coverage, and $193/month for full coverage. Find cheaper rates by shopping for discounts and using the Jerry app.
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Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Mobile
- How to find the cheapest car insurance in Mobile
- Best cheap car insurance quotes in Mobile
- Average cost of car insurance in Mobile
- Car insurance quotes in Mobile by rating factors
- How do different factors impact your car insurance costs in Mobile?
- Cheap car insurance quotes in Mobile for drivers with poor credit
- How to lower car insurance costs in Mobile
- FAQs
- Methodology
- Meet our experts
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Best car insurance companies in Mobile
Smaller companies like
Direct Auto
insurance and State Auto
insurance in Mobile, AL earned the best reviews.Although
State Farm
in Mobile, AL is also a popular choice in this area, other companies like Progressive
and GEICO
earned mixed reviews from policyholders when they rated companies based on policy cost and customer service. Truthfully, there is no one best company for every driver. That’s because all drivers are unique. To find the best policy for your unique driver profile, you’ve got to compare rates at multiple companies.
Before you get a quote or decide on a company, think about what matters most to you. Cost matters, of course, but what about claims handling and customer service? Do you need service in English and Spanish? Do you want to ask a local agent about multiple insurance products?
Here’s what Mobile drivers had to say about top insurance companies in a recent survey. The rating scale goes from 0 to 5.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$59 | $152 | 3.8 | 4.2 | |
$65 | $164 | 4.7 | 4.8 | |
$71 | $158 | 4.2 | 4.5 | |
$76 | $115 | 4.2 | 4.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance in Mobile
For minimum coverage auto insurance in Mobile, AL, the average monthly payment is $82 per month, or $984 per year. For full coverage, drivers pay about $193 per month, or $2,316 per year.
However, the cost of repairs is relatively cheaper in Alabama than in other states. Although it’s the second largest city in Alabama, Mobile also enjoys less traffic congestion3 than other heavily populated areas in the state, which means less risk of getting into an accident.
Ultimately, Alabama drivers who live in Mobile tend to pay about 13% more for insurance than the national average.
Coverage type | Mobile, AL | Alabama | United States |
|---|---|---|---|
State minimum | $82 | $64 | $77 |
Full coverage | $193 | $149 | $165 |
Finding the right coverage can be tricky in Mobile, given the risks of living and driving there. But comparing rates from top-rated Mobile companies like GEICO and USAA can help you find the right protection.
Best cheap car insurance quotes in Mobile
All Mobile drivers are subject to
Alabama’s minimum car insurance laws
. This is the basic liability coverage you must purchase in order to legally drive. However, many Mobile drivers opt for full coverage in order to cover the repair or replacement of their own vehicles. Cheap minimum liability insurance quotes in Mobile
- $50,000 in bodily injury per accident
Companies will automatically offer you this minimum policy, as drivers can’t go below these minimum insurance requirements.
Here’s what Mobile drivers are paying for minimum coverage policies.
Insurance company | Monthly minimum coverage cost |
|---|---|
$59 | |
$65 | |
$71 |
Do you need more than minimum coverage in Mobile?
Legally speaking, no—but practically speaking, many drivers prefer to get more coverage.
Say you cause an accident where you total someone else’s brand new vehicle, which costs about $48,000 on average. Your state minimum coverage will only pay for $25,000 of property damage. That’s not enough, so you’re on the hook for $23,000 out-of-pocket.
To better protect your wallet, Jerry’s experts suggest 50/100/50 or 100/300/100 for liability limits. While these limits are higher than the state minimum, they’re more likely to cover damage in a serious accident. Best of all, your monthly premium may not increase more than a few dollars.
Roadside assistance can provide peace of mind, too—just make sure you’re not doubling up on coverage already provided by a credit card.
As for your own car, you’ll need full coverage for that.
Cheap full coverage car insurance quotes in Mobile
To repair or replace your own vehicle, you’ll need a
full coverage
policy in Mobile. Here’s what’s included:- Collision coverage: This pays out for collision-related damage, whether you hit another car or a stationary object.
- Comprehensive coverage: This pays out for non-collision damage, such as from windstorms, vandalism, or even theft.
Full coverage can be required by lenders. If you’re driving a leased or financed vehicle in Mobile, you might be forced to carry full coverage until the loan is paid off.
To round out your protection, consider
uninsured motorist coverage
. You’ll be offered this coverage automatically in Alabama, but you can reject it. Here’s what you can expect to pay for full coverage in Mobile, Alabama.
Insurance company | Monthly full coverage cost |
|---|---|
Clearcover | $96 |
$115 | |
$152 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Mobile
For minimum coverage, Mobile drivers pay an average of $82 per month to insure themselves and their vehicles. That’s $984 for Alabama minimum liability coverage.
The average cost of a full coverage policy is $193 per month in Mobile, or $2,316 per year.
Given the traffic congestion in this populous city, it makes sense that Mobile drivers pay more than average for coverage to compensate for the higher risk of accidents. Mobile also experiences higher-than-average rates of natural disasters like tornadoes, which drives up the cost of full coverage insurance.
Alabama drivers in Mobile should expect their premiums to vary from the average, however. Costs depend on more than just your ZIP code. Your driver profile, demographics, and the make and model of your vehicle affect your premium, too.
Average cost of car insurance in Mobile by ZIP code
Zip codes have risk profiles. Some neighborhoods have higher theft rates or accident rates, for instance.
In Mobile, if you live in a “high-risk” ZIP code, you’ll pay more for coverage.
Take a look at insurance costs for real drivers in Mobile, sorted by zip code.
ZIP codes | Monthly minimum coverage cost |
|---|---|
36615 | $52 |
36610 | $59 |
36619 | $77 |
36609 | $114 |
36605 | $121 |
36617 | $123 |
Car insurance quotes in Mobile by rating factors
When
calculating rates
for drivers, every company uses a unique formula. The specifics vary by company, but nearly every provider cares about the same core rating factors:- Location: If you (and your car) are located in an area with more theft and traffic accidents, expect your rates to be higher.
- Car type: Sports cars, luxury cars, and performance vehicles cost more to repair and replace—so they cost more to insure.
- Driving record: If you have a record of previous violations and you’ve filed claims, insurers expect it to happen again. Rates are lowest for drivers with clean records.
- Age: Rates are most affordable for drivers between 25 and 65. Young and old drivers pay more for coverage, especially teen drivers under 19.
How do different factors impact your car insurance costs in Mobile?
How do different factors impact your car insurance costs in Mobile?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Alabama currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Mobile:
Cheap car insurance quotes in Mobile after driving violations
From speeding tickets to accidents, violations are a real red flag to insurance companies. Any moving violation predicts future risk—which could cost them money. If your
Alabama driving history
shows a pattern of violations, that’s considered even more risky.Here are some types of violations that could raise your rates in Mobile:
- DUI
- At fault accident
- Speeding
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Mobile after a speeding ticket
While a minor speeding ticket charge might not raise your rates by too much, a major speeding violation could spike your coverage costs.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Speeding | $176 | 26% |
Cheapest car insurance in Mobile after DUI
DUIs in Alabama
are serious offenses that trigger fines and possible jail time—plus, DUIs will raise your insurance rates significantly. Unfortunately, DUIs are committed in Alabama at the 7th5 highest rate in the nation.Although you can expect rates to be high after a DUI regardless of which company you choose, it’s still important to shop around and compare rates in Mobile.
Here’s how much car insurance can increase after a DUI in Mobile.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $238 | 73% |
Cheapest car insurance in Mobile after an at-fault accident
Causing accidents is a top predictor of future risk, which is why accident history is correlated with increased premiums.
If you are a Mobile driver with an at-fault accident on your claims history, expect higher-than-average insurance rates in this at-fault state.
Cheapest car insurance in Mobile after other driving violations
Any time you break the traffic laws in Alabama, you give insurance companies a reason to raise your rates. That’s true for any driving violation, like driving on a suspended license or failing to signal properly.
Take a look at these common driving violations, and see how much Mobile drivers are paying for coverage based on their violations history.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Defective equipment | $160 | 17% |
Driving left of centre | $203 | 48% |
Driving with suspended license | $279 | 104% |
Cheap car insurance quotes in Mobile by age
Age is correlated with risk, according to data collected by insurance companies. Very young and very old drivers (younger than 25 and older than 75) face the highest risk of getting into accidents, so they’re charged the highest rates for coverage.
Cheapest car insurance in Mobile for young drivers
Mobile drivers between the ages of 16 and 19 should expect high rates until they age out of this high-risk bracket. That’s especially true because many teens prefer full coverage policies to protect their vehicles.
To keep insurance costs low, try to stay on a parent or guardian’s policy as long as possible.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
<18 | $248 | $366 |
18-21 | $177 | $282 |
Cheapest car insurance in Mobile for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
22-25 | $114 | $223 |
26-34 | $93 | $155 |
35-44 | $86 | $162 |
45-54 | $75 | $138 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheapest car insurance in Mobile for senior drivers
Older drivers
face several risk factors that lead to higher-than-average premiums. They’re more susceptible to injury in serious accidents, and they’re more likely to get into accidents due to slower reflexes.Here’s what older drivers in Mobile are paying for insurance coverage.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55-64 | $72 | $114 |
65+ | $105 | $139 |
Cheap car insurance quotes in Mobile based on insurance history
The best case scenario is continuous coverage—aka, you’ve had coverage since you got your license with no gaps or lapses. These drivers enjoy the lowest rates.
If you’ve had a
lapse
or if you’re not currently insured, you can expect companies to charge you a slightly higher rate for coverage. Many drivers simply had a missed payment in the past which led to a lapse. To avoid this, Jerry sends helpful reminders when you’ve got a payment coming up or your policy is up for renewal.
Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $144 | 5% |
Finding cheap car insurance in Mobile: hear from real drivers
I had a wonderful experience choosing my carrier and coverages, Jerry made everything smooth and easy!
Shkoda
Full coverage on two vehicles with multiple drivers for a low down payment and low monthly payments.
Kristen
So far it’s been pretty good I was able to get a lower rate wit the same deductible and my previous insurance company.
Donald
Cheap car insurance quotes in Mobile for drivers with poor credit
Credit scores are correlated with risk, and Alabama allows companies to consider a driver’s credit score when setting rates.
A low credit score (under 550) means you may have struggled to pay your bills in the past. Drivers in this category tend to pay more for coverage—about 44%6 more than a driver with fair credit and 115% more than a driver with excellent credit.
Credit score | Monthly coverage cost |
|---|---|
< 600 | $109 |
601-699 | $87 |
700+ | $74 |
Cheap car insurance quotes in Mobile for popular cars
Every model has a specific risk profile. Some have higher theft rates or better safety features, for instance. That’s why companies want to know what kind of car you’re driving before they set your insurance rates.
Here are a few of the most popular car models in Mobile:
Here’s how much some of the most popular models in the city will cost you.
Vehicle type | Monthly minimum coverage cost |
|---|---|
$79 | |
$238 | |
$59 |
How to lower car insurance costs in Mobile
1. Shop around and compare quotes
Each company has a super secret formula for calculating rates. So, every six months when your policy is up for renewal, experts recommend pulling free quotes from a bunch of companies. This way, you can see whether your current rate is the cheapest or if you should switch to save.
Jerry is supported by 100+ licensed insurance agents who work hard to find you the best deal in Mobile, all from your smartphone.
2. Hunt for car insurance discounts
You can stack
car insurance discounts
to cut costs on coverage. Here are some of the most common discounts available at most companies:- Good driver discounts. If you go claims-free and accident-free for several years, most companies will offer you a good driver discount.
- Telematics discounts. In exchange for tracking your driving habits, you could get a discount. You may earn extra perks by demonstrating safe driving behavior.
- Good student discounts. Full-time students in high school or college can unlock a discount by earning at least a B average. You’ll have to show proof of enrollment and proof of grade point.
- Bundling discounts. By bundling your auto policy with your homeowners insurance, renters insurance, or life insurance policy at the same company, you can save overall.
3. Increase your deductible for comprehensive and collision coverage
The out-of-pocket deductible on full coverage is adjustable. If you can comfortably afford a higher deductible, you can shave money on your monthly auto insurance rates without losing any coverage.
FAQs
How much is car insurance in Mobile?
$82 is the average monthly cost of minimum coverage in Mobile. That’s $984 per year for liability-only protection. Full coverage is about $193 per month, or $2,316 per year.
Your premium might be higher or lower, though, depending on your driver profile. High-risk drivers (young people, people with tickets, and people with low credit scores) can expect to pay higher-than-average car insurance rates.
What is the cheapest car insurance in Mobile?
If all drivers were alike, this would be an easy answer. But you’ve got a unique driving record and you’ll be quoted a unique premium based on you.
There is no cheapest car insurance policy or company for every Mobile driver. Expect to pay around $82 per month for minimum coverage or $193 per month for full coverage.
What is the best car insurance in Mobile?
Clear Cover, Embark General, and Liberty Mutual all earned good ratings from Mobile drivers. But the best company for you might be something completely different, like Nationwide or USAA.
Make sure to consider policy cost in addition to claims handling and customer service ratings when you’re picking the perfect company.
What is the minimum car insurance in Mobile, Alabama?
All drivers in Alabama must carry 25/50/25 liability coverage. That’s $25,000 in bodily injury per person and $50,000 in bodily injury per accident, plus $25,000 in property damage liability. Remember, that doesn’t include any protection for your own vehicle or any medical expenses resulting from an accident.
Who has the cheapest full coverage insurance in Alabama?
Some studies show that Travelers offers the lowest rates on average in Alabama. However, drivers are too unique to generalize about the cheapest company for every Alabama resident.
To find the lowest rate for you, pull custom quotes for your unique Alabama driving record. It might be Travelers, or it could be another company like Progressive or Allstate.
Why is Alabama car insurance so expensive?
According to the NHTSA, accident rates are higher than they were in 2020. When you consider the increasing cost of repairs, increasing cost of healthcare, and increasing dangerous weather patterns, insurance companies have no choice but to raise rates for all Alabama drivers.
What happens if you don’t have car insurance in Alabama?
Since it’s illegal to drive without coverage in Alabama, you’ll be charged with a misdemeanor if you’re caught. Your license and registration could be suspended, your vehicle can be impounded, and you’ll face possible jail time on top of fines up to $1,000.
Can you go to jail for no insurance in Alabama?
Yes, you can be jailed if you drive without insurance in Alabama. Jail time is typically between three and six months. Then, you’ll have to reinstate your license and vehicle registration to legally drive again.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Sources
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.