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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Mobile, Alabama, pay an average rate of $112 per month for car insurance. Mobile’s risk of hurricanes and flooding contributes to the city’s insurance costs. Mobile also has a higher crime rate compared to most of the rest of the U.S.,[1] which can also contribute to higher car insurance rates.
Still, many companies offer below-average rates, including Auto-Owners, State Farm, and USAA. We’ll explore the cheapest rates for different driver profiles and explain how you can save money on your car insurance.
Auto-Owners offers the cheapest car insurance in Mobile, with average rates starting at $45 per month.
Mobile drivers pay a monthly average of $71 for liability-only coverage and $154 for full-coverage auto insurance.
Alabama requires all drivers to have 25/50/25 of liability coverage.[2]
Regardless of Mobile’s average rates, many insurance companies offer policies for far less. You could save hundreds of dollars annually on your car insurance by comparing rates to help you choose the right insurer.
To get you started, the following table highlights the most affordable car insurance companies in Mobile, according to data from Compare.com.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $45 |
| State Farm | $45 |
| USAA | $45 |
| Allstate | $49 |
| COUNTRY Financial | $50 |
| Direct Auto | $62 |
| National General | $62 |
| Travelers | $62 |
| GEICO | $67 |
| Nationwide | $77 |
| Progressive | $82 |
| Root | $82 |
| Clearcover | $83 |
| Farmers | $83 |
| Foremost | $99 |
| Bristol West | $101 |
| AssuranceAmerica | $106 |
| Safeco | $110 |
| Dairyland | $114 |
| GAINSCO | $116 |
| Liberty Mutual | $207 |
Auto-Owners offers the lowest rates in Mobile, with an average monthly rate of $45. But your exact rates will vary depending on your age, driving record, credit history, and the type of coverage you need.
Get personalized quotes and save money today.
The companies listed above are a good starting point, but your personal rates can vary widely depending on your background and driving habits. The table below shows the cheapest companies for different drivers and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $45 |
| Full coverage | Auto-Owners | $78 |
| Teens | COUNTRY Financial | $83 |
| Seniors | State Farm | $35 |
| Drivers with a speeding ticket | State Farm | $57 |
| Drivers with an at-fault accident | USAA | $60 |
| Drivers with a DUI | USAA | $61 |
| Drivers with excellent credit | Auto-Owners | $38 |
| Drivers with poor credit | USAA | $51 |
Next, let’s look a little closer at the rates for different types of drivers.
Mobile drivers pay an average of $71 per month for liability insurance, according to Compare.com data. But most experts recommend purchasing more than the minimum liability requirements.
Buying the minimum state-required liability insurance meets your legal obligations but may not cover the damages if you cause an accident.
Let’s look at the five cheapest companies for state-minimum coverage in Mobile, according to our research.
Liability coverage might make sense in some situations, but most drivers should consider full-coverage insurance. A full-coverage policy includes additional financial protection, including liability, comprehensive, and collision insurance. If you rent or lease a car, your lender will likely require you to buy full-coverage car insurance.
On average, drivers in Mobile pay $154 per month for full-coverage car insurance.
But even with higher average rates, several insurers offer full-coverage policies for close to the average liability price in Mobile. The chart below shows Mobile’s five cheapest insurers for full-coverage auto insurance, according to Compare.com data.
Your age can play a big role in determining your insurance premiums. Teens have some of the most expensive car insurance rates of any age group because they have less experience behind the wheel. Teen drivers have the highest fatal crash rate, and 43% of all teen driving fatalities involve speeding.[3]
Teen drivers in Mobile pay an average of $237 per month for car insurance. But you can still find a good deal, whether you’re a teen driver or have one on your policy. The chart below shows the five cheapest insurers in Mobile for teens, according to Compare.com data.
Seniors tend to have the cheapest rates of any age group because they have more driving experience and spend less time on the road. Mobile seniors pay an average of $97 per month for car insurance. But even with these low average rates, you can always try to find a better deal.
Let’s look at the five cheapest car insurance companies for seniors in Mobile, according to our data.
Speeding is one of the leading causes of fatal car accidents — in 2023, 11,775 died from speeding-related accidents in the U.S.[4] So if you get a speeding ticket, you can expect your car insurance premium to increase the next time your policy renews.
Compare.com research shows that even a single speeding ticket causes average rates to rise by 37% nationwide. Mobile drivers with a recent speeding ticket pay an average of $152 per month for car insurance.
But you might find several insurers offering lower rates by shopping around. The chart below shows Mobile’s five cheapest insurance companies for drivers with a recent speeding ticket.
Your car insurance premiums can increase substantially if you cause an accident. Our research shows that a single at-fault accident causes average rates to increase by 41% nationwide.
On average, Mobile drivers with a recent at-fault accident pay $158 per month for auto insurance. But you might find a better deal by shopping around and comparing quotes from one of the insurers below.
Of all the driving violations, a DUI raises your car insurance premium the most. In fact, our research shows that the average car insurance rate increases by 61% nationwide after just one DUI.
In Mobile, you’ll pay an average monthly rate of $138 if you have a DUI on your driving record.
If you’re looking for ways to reduce your car insurance costs after a DUI, you may want to consider the following insurance companies.
Most states allow insurance companies to consider your credit history when calculating your premiums. Research shows drivers with poor credit file more claims than other drivers. Compare.com research shows drivers with poor credit pay 20% more than drivers with excellent credit.
Mobile drivers with poor credit pay an average of $124 per month for car insurance. But you might find a cheaper rate with one of the companies in the chart below, which shows Mobile’s cheapest insurers for drivers with poor credit.
Find the coverage you need for the best price in Mobile.
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Like nearly every state, Alabama requires all drivers to have a minimum amount of car insurance. You must have an Alabama policy, and your insurer must have a license to issue liability policies in the state.
Alabama requires all drivers to have:
$25,000 per person and $50,000 per accident of bodily injury liability coverage
$25,000 of property damage liability coverage
When shopping for car insurance, think about what discounts you might qualify for and whether you need extra coverage. Considering discounts and add-ons can help you find the right insurer for your needs.
Most experts recommend buying coverage above the minimum state requirements. Choosing cheap car insurance with minimal liability coverage might save you money up front, but it could leave you vulnerable if you cause a serious accident. Medical bills alone can quickly exceed your $25,000 per person of bodily injury coverage.
For example, if you cause a multi-vehicle accident, having only the minimum liability coverage could leave you personally responsible for thousands of dollars in damages. And if you finance or lease a vehicle, your lender will usually require you to purchase comprehensive and collision coverage until you pay off your loan.
Many factors can affect the cost of car insurance, including your city’s population, accident rates, and traffic congestion. If you have more questions about finding cheap auto insurance in Mobile, the following answers may help.
Mobile drivers pay an average monthly rate of $112 for car insurance, according to our data. Liability-only coverage costs an average of $71 per month, while full coverage costs $154 per month. But it’s a good idea to consider more than price when shopping for car insurance. You also should look for an insurer that offers fast, reliable claims service.
Auto-Owners offers the cheapest car insurance rates in Mobile, with an average monthly rate of $45. But just because it has the most affordable average rates doesn’t mean it’ll be the least expensive for you, so it’s important to shop around and compare quotes from different insurers.
It depends. Mobile drivers pay an average of $112 per month for car insurance, compared to the national average of $150. But your car insurance costs depend on several factors, including your address, driving history, deductible, and age.
No. Alabama doesn’t require you to buy full-coverage car insurance. Alabama requires you to purchase at least 25/50/25 in liability coverage. But that won’t be enough car insurance for most people, so you may want to consider purchasing more than the minimum liability requirements.
Many different factors influence the cost of car insurance in Alabama. Rising vehicle repair and replacement costs have recently caused rates to increase. The state also has a high risk of hurricanes and flooding, which can increase costs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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