Cheapest Car Insurance Quotes in Mobile

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Mobile Car Insurance

^$ 24

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Mobile

The car insurance rate in Mobile is $1030 for a six-month policy, which is $94 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $556, making it a popular choice for budget-conscious drivers. Rates in Mobile can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Mobile

$1030

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Mobile

1st place: AutoOwners Insurance Co

At $556 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $725 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $784 for six months, making it the third cheapest auto insurance company in Mobile.

Mobile Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mobile, AL is AutoOwners Insurance Co, offering policies at just $556 for a six-month term. This is followed by State Farm, which has an average six-month premium of $725.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2202 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mobile drivers find the best deals.

Cheap Car Insurance Companies in Mobile, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$556	$92
State Farm	$725	$122
Travelers	$784	$132
Country Financial	$804	$135
Cincinnati	$829	$140
USAA	$856	$144
Auto-Owners	$915	$154
Nationwide	$1156	$197
Allstate	$1176	$198
Progressive	$1327	$223
Farmers	$2202	$367

Key Takeaways

Way's key takeaways about car insurance in Mobile

The auto insurance costs in Mobile fall around $556 for six months.
The cheapest auto insurance company in Mobile is Cincinnati.
Teen drivers pay the highest rate in Mobile at $1286 per month.

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Cheapest Minimum Liability Car Insurance in Mobile

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Mobile are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Mobile. Their Average 6 Month Premium is $144. Farmers is the most expensive at $836 for the same period.

Cheapest Liability Coverage in Mobile, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$144	$24
Mercury	$157	$26
Country Financial	$242	$41
Auto-Owners Insurance Co	$249	$42
USAA	$249	$42
State Farm	$255	$43
Travelers	$274	$46
Auto-Owners	$314	$53
Progressive	$444	$75
Nationwide	$471	$78
Allstate	$516	$87
Farmers	$836	$140

Cheapest Full Coverage Car Insurance in Mobile

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Mobile is AutoOwners Insurance Co at $92 per month and $556 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mobile, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$556	$92
State Farm	$725	$122
Travelers	$784	$132
Country Financial	$804	$135
Cincinnati	$829	$140
USAA	$856	$144
Auto-Owners	$915	$154
Nationwide	$1156	$197
Allstate	$1176	$198
Progressive	$1327	$223
Farmers	$2202	$367

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Average Car Insurance in Mobile by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Mobile, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Mobile, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Mobile's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mobile

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Mobile,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Mobile at $26 per month. At $7638 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$157	$26
Country Financial	$249	$42
Travelers	$1536	$259
USAA	$1862	$314
State Farm	$1940	$327
Auto-Owners	$2960	$504
Allstate	$3823	$644
Nationwide	$4652	$791
Progressive	$6698	$1128
Farmers	$7638	$1286

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Mobile, Cincinnati is the cheapest car insurance provider. At $202 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Mobile is Farmers, offering rates of around $3561 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$202	$34
Country Financial	$347	$59
Nationwide	$471	$78
Travelers	$987	$166
USAA	$1183	$197
Progressive	$1411	$238
Allstate	$2234	$373
State Farm	$2567	$437
Auto-Owners	$2836	$473
Farmers	$3561	$605

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Car Insurance Rates with An Accident in Mobile

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Mobile, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mobile

The cheapest car insurance companies after an at-fault accident in Mobile include Cincinnati and AutoOwners Insurance Co, offering $222 and $347, respectively. Farmers is an expensive provider with an average six-month premium of $3051.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$222	$37
Auto-Owners Insurance Co	$347	$59
Country Financial	$347	$58
Safeway	$431	$73
Travelers	$627	$106
State Farm	$700	$118
USAA	$869	$146
Auto-Owners	$927	$156
Allstate	$1471	$248
Progressive	$2136	$360
Nationwide	$2189	$365
Farmers	$3051	$519

Mobile Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mobile AL. For example, the car insurance in Mobile after a DUI increases to $889 for a six month policy. While the rate increases by $256 for a six-month policy in the case of a speeding ticket.

Mobile auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1071	$178
One Med/PIP claim	$1071	$183
One comp claim	$1104	$184
Two Med/PIP claims	$1104	$188
Not-at-fault accident	$1111	$185
Two comp claims	$1163	$198
Driving without lights	$1274	$212
Failure to wear a seat belt	$1287	$219
Failure to show documents	$1294	$216
Child safety restraint	$1300	$221
Cell phone violation	$1320	$220
Driving with expired registration	$1320	$224
Driving too slowly	$1327	$221
Speeding 6 - 10 MPH over limit	$1327	$226
Speeding in school zone	$1327	$221
Texting while driving	$1327	$226
Speeding 11 - 15 MPH over limit	$1340	$223
Wrong way/wrong lane	$1340	$228
Failure to yield	$1346	$224
Following too closely	$1346	$229
Illegal turn	$1346	$224
Speeding 16 - 20 MPH over limit	$1346	$229
Failure to stop at a red light	$1353	$226
Improper passing	$1353	$230
Passing school bus	$1398	$233
Speeding 21 - 25 MPH over limit	$1405	$239
At-fault accident - less than $1000	$1418	$237
In 65 MPH zone	$1438	$244
At-fault accident - $1000-$2000	$1549	$259
Operating a vehicle without permission	$1581	$268
At-fault accident - greater than $2000	$1594	$266
Open container	$1627	$276
Reckless driving	$1803	$300
Driving with a suspended license	$1882	$320
Racing	$1907	$318
Refusal to submit to a chemical test	$1921	$327
DUI	$1960	$327
Leaving scene of an accident/hit and run	$2038	$347

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Mobile after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Mobile.

The cheapest car insurance premiums in Mobile are offered by Cincinnati at $300 for a six-month policy. However, it can be as expensive as $2934 with companies like Farmers.

Mobile car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$300	$51
Country Financial	$405	$68
Travelers	$771	$130
State Farm	$1156	$195
USAA	$1294	$218
Allstate	$1365	$230
Progressive	$1372	$231
Auto-Owners	$1738	$293
Nationwide	$2921	$487
Farmers	$2934	$498

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Mobile are offered by Cincinnati at $151. However, it can be as expensive as $2816 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mobile after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$151	$25
Country Financial	$216	$36
Auto-Owners Insurance Co	$287	$48
State Farm	$484	$81
Travelers	$745	$125
USAA	$791	$134
Auto-Owners	$960	$161
Allstate	$1444	$245
Progressive	$2000	$333
Farmers	$2816	$479

Car Insurance Price Trends in Mobile, Alabama

Car insurance rates in Mobile have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Mobile rose by $218 in December compared to $215 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Mobile rose to $55 in December, compared to $54 in November. This represents an increase of $1 when comparing December and November.

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Average Car Insurance Cost in Mobile by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Mobile. At $1101 for a six-month policy, insuring your car at 36693 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
36693	$1101	$184
36695	$1225	$205
36605	$1132	$189
36616	$1029	$172
36617	$1070	$179
36606	$1091	$183
36607	$1050	$176
36618	$1091	$183
36619	$1081	$181
36608	$1163	$195
36609	$1111	$186
36610	$1060	$177
36611	$1050	$176
36688	$1029	$172
36612	$1039	$174
36602	$1029	$172
36603	$1060	$177
36604	$1060	$177

Frequently Asked Questions

How much is car insurance in Mobile?

The car insurance in Mobile is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Mobile?

The cheapest car insurance in Mobile is $92 per month for full coverage.

How much is car insurance in Mobile for teenagers?

Car insurance for teenagers costs $157 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Mobile?

The average cost of car insurance is $936 for a six-month policy. It will cost around $173 per month to insure your car in Mobile.

Is car insurance expensive in Mobile?

Car insurance can be expensive in Mobile if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Mobile can be affordable.

What is the best car insurance in Mobile, AL?

The best car insurance company in Mobile AL is AutoOwners Insurance Co, offering $556 for a six-month policy.