In Mobile, the average full coverage car insurance cost is $93 per month. Rates can range from $91 for the cheapest to $389 for the most expensive, depending on various factors. To give drivers a better understanding of what they might pay, the table below includes the average car insurance costs for different driver profiles.
Mobile, AL, Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in Mobile: Key Takeaways
Cincinnati Insurance, Country Financial, Nationwide and State Farm are recognized as the most affordable car insurance companies in the city, offering competitive rates for various driver profiles.
Cincinnati Insurance provides the cheapest minimum coverage car insurance at $22 per month, while Country Financial offers the most affordable full coverage at $61 per month.
On average, car insurance costs $45 per month for minimum coverage and $93 for full coverage in the city. These rates can vary based on individual driver profiles.
Car Insurance Quotes in Mobile, AL
| Young Drivers | $56 | $119 |
| Teens | No Data | $389 |
| Seniors | $46 | $90 |
| Drivers With a Speeding Ticket | $55 | $116 |
| Drivers With a DUI | $78 | $159 |
| Drivers With An Accident | $69 | $143 |
| Bad Credit | $82 | $176 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Mobile vs. State Average
Alabama
State Average Full Coverage Rate
$1,068
Mobile, AL
City Average Full Coverage Rate
$1,115More:$47 more
This is 4% more expensive.
What Is the Average Car Insurance Rate in Mobile?
In Mobile, the average cost for full car insurance coverage is $1,115 per year, while the minimum coverage costs $541 annually. These rates are higher than Alabama's averages, where full coverage is $1,068 and minimum coverage is $514 per year.
| State Average | $514 | $1,068 |
| Mobile Average | $541 | $1,115 |
Cheapest Car Insurance Companies in Mobile
Even though premiums are rising in Alabama, you can find cheap car insurance in Mobile. Cincinnati Insurance offers the lowest rate for minimum coverage at $22 per month. For full coverage, Country Financial provides the best rate at $61 per month.
WHY CAR INSURANCE IN MOBILE IS EXPENSIVE
Car insurance is expensive in Mobile due to a mix of local and statewide factors. High traffic congestion and accident rates in the city contribute to the costs. Mobile ranks high among Alabama cities for insurance premiums. Statewide, the high number of uninsured drivers, frequent personal injury lawsuits, and instances of insurance fraud push up the cost for everyone.
Cheap Car Insurance in Mobile
Cincinnati Insurance often offers the cheapest car insurance, but rates can vary widely. The best way to find affordable insurance is by getting quotes from multiple providers. Below is a table showing the cheapest rates for different driver profiles.
| Cincinnati Insurance | Minimum Coverage | $22 |
| Country Financial | Full Coverage | $61 |
| Nationwide | Teens | $272 |
| Cincinnati Insurance | Young Adults | $58 |
| Cincinnati Insurance | Seniors | $38 |
| Country Financial | Bad Credit | $68 |
| State Farm | Drivers With a DUI | $73 |
| Country Financial | Drivers With An Accident | $64 |
| Cincinnati Insurance | Drivers With a Speeding Ticket | $55 |
Car Insurance Rates in Mobile by Company
To find affordable car insurance in Mobile, it's key to compare rates from different companies. We've detailed the costs for minimum coverage and full coverage plans below, helping you spot the best deals.
Cheapest Car Insurance Companies for Minimum Coverage in Mobile
Cincinnati Insurance offers the cheapest minimum coverage auto insurance at $22 per month. Country Financial follows with a rate of $29 monthly. See the breakdown of the cheapest options in the table below.
| Cincinnati Insurance | $22 | $23 |
| Country Financial | $29 | $16 |
| Travelers | $36 | $10 |
| State Farm | $41 | $5 |
| Auto-Owners Insurance Co | $44 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Mobile
Country Financial offers the cheapest full coverage car insurance in Mobile at $61 per month. Below is a list of other providers and their rates.
| Auto-Owners Insurance Co | $93 | $1 |
| Cincinnati Insurance | $70 | $23 |
| Country Financial | $61 | $33 |
| State Farm | $90 | $3 |
| Travelers | $69 | $24 |
Car Insurance Companies in Mobile
To find affordable car insurance in Mobile, get quotes from several local companies. Country Financial offers the cheapest rate at $541 annually. Cincinnati Insurance, with a MoneyGeek score of 96, is the best cheap provider at $554. Check the table below for more options to consider in your search.
| Cincinnati Insurance | 96 | $554 |
| Auto-Owners Insurance Co | 80 | $818 |
| Country Financial | 68 | $538 |
| State Farm | 67 | $782 |
| Travelers | 65 | $663 |
| Nationwide | 59 | $895 |
| GEICO | 52 | $880 |
| Progressive | 51 | $1,018 |
| Allstate | 47 | $1,008 |
| Farmers | 47 | $1,125 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Mobile by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,115 per year for 40-year-olds and $1,083 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,926 | $-847 |
| 17 | $2,882 | $-803 |
| 18 | $2,482 | $-403 |
| 19 | $2,303 | $-225 |
| 20 | $2,385 | $-306 |
| 21 | $1,842 | $237 |
| 22 | $1,903 | $176 |
| 23 | $1,953 | $126 |
| 24 | $1,831 | $248 |
| 25 | $1,427 | $-279 |
| 40 | $1,115 | $33 |
| 65 | $1,083 | $65 |
Cheapest Car Insurance for Teens in Mobile
Nationwide offers the cheapest overall car insurance for teens in Mobile, with full coverage at $129 per month, saving $92 compared to the state average. The table below also breaks down some of the most affordable providers for this age group.
| Nationwide | $129 | $92 | $272 |
| GEICO | $149 | $71 | $315 |
| Allstate | $155 | $65 | $298 |
| Travelers | $186 | $35 | $297 |
| Farmers | $243 | $-23 | $585 |
| State Farm | $267 | $-46 | $290 |
| Auto-Owners Insurance Co | $306 | $-86 | $293 |
| Progressive | $329 | $-109 | $759 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Mobile
Cincinnati Insurance offers the best minimum coverage for young drivers at $28 per month. For full coverage, Travelers is the most affordable at $81 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Cincinnati Insurance | Minimum Coverage | $28 |
| Country Financial | Full Coverage | $81 |
| Country Financial | Bad Credit | $93 |
| State Farm | Drivers With a DUI | $92 |
| Country Financial | Drivers With An Accident | $85 |
| Cincinnati Insurance | Drivers With a Speeding Ticket | $69 |
Cheapest Car Insurance Companies for Young Drivers in Mobile
Cincinnati Insurance offers the most affordable auto insurance for young drivers at $58 per month. Other companies with competitive rates are shown in the table below.
| Cincinnati Insurance | $58 | $30 |
| Travelers | $61 | $27 |
| Country Financial | $62 | $27 |
| State Farm | $83 | $5 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Mobile
Cincinnati Insurance and Country Financial offer the cheapest car insurance in the area, but rates vary based on factors like driving history and credit score. Below is a table showing the most affordable providers for different driver profiles and coverage needs.
| Cincinnati Insurance | Minimum Coverage | $19 |
| Country Financial | Full Coverage | $56 |
| Cincinnati Insurance | Bad Credit | $62 |
| State Farm | Drivers With a DUI | $68 |
| Country Financial | Drivers With An Accident | $64 |
| Cincinnati Insurance | Drivers With a Speeding Ticket | $45 |
Cheapest Car Insurance for Seniors in Mobile
Cincinnati Insurance offers the cheapest monthly premium for seniors at $38 for both minimum and full coverage. Country Financial follows with a rate of $43 per month. Below, explore top car insurance providers for seniors in Mobile.
| Cincinnati Insurance | $38 | $30 |
| Country Financial | $43 | $26 |
| Travelers | $53 | $15 |
| State Farm | $61 | $7 |
| Auto-Owners Insurance Co | $68 | $0 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Mobile
In Mobile, high-risk drivers pay $815 for minimum coverage and $1,677 for full coverage, which is lower than the state average of $1,998 and $3,982, respectively. Those with bad credit and DUIs tend to face the highest insurance costs, while accidents and speeding tickets have a smaller impact on rates.
| State Average | $749 | $1,582 |
| Mobile Average | $815 | $1,677 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in Mobile, are accounted for by insurers for a few years. For serious offenses such as a DUI, insurers may keep a record for a longer time, and you might need to file an SR-22 car insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Mobile
State Farm offers the cheapest minimum coverage for drivers with a DUI in Mobile at $553 per year. For full coverage, Country Financial is the most affordable option, costing $1,172 annually. Check out the table below for more options.
| Country Financial | $51 | $98 |
| State Farm | $46 | $100 |
| Travelers | $56 | $113 |
| Cincinnati Insurance | $54 | $167 |
| Progressive | $67 | $167 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Mobile
Cincinnati Insurance, Country Financial, and Travelers offer the most affordable options for drivers with an at-fault accident. Explore more about cheapest auto insurance after an at-fault accident. Below, find a table of providers in Mobile offering budget-friendly auto insurance for such drivers.
| Country Financial | $44 | $84 |
| Travelers | $51 | $102 |
| State Farm | $53 | $114 |
| Cincinnati Insurance | $39 | $122 |
| Auto-Owners Insurance Co | $62 | $125 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Mobile
Cincinnati Insurance is the cheapest car insurance provider for drivers with a speeding ticket in Mobile, offering state minimum coverage at $26 per month and full coverage at $84 per month. Check the table below to see how other providers charge drivers in Mobile with a speeding ticket on their record.
| Country Financial | $40 | $82 |
| Cincinnati Insurance | $26 | $84 |
| Travelers | $48 | $97 |
| State Farm | $46 | $100 |
| Auto-Owners Insurance Co | $51 | $106 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Mobile
Cincinnati Insurance offers the most affordable rates for drivers with bad credit in Mobile, with monthly minimum coverage at $36 and full coverage at $113. Explore the table below for other affordable options.
| Country Financial | $46 | $90 |
| Travelers | $56 | $109 |
| Cincinnati Insurance | $36 | $113 |
| Nationwide | $73 | $139 |
| GEICO | $70 | $151 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Mobile, AL
In Alabama, each city follows state mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
Uninsured/Underinsured and PIP coverages are not applicable.
For example, if you're in an accident, your insurance covers up to $25,000 for injuries to one person and $50,000 total per accident, plus $25,000 for property damage. This helps protect your finances by covering claims up to these amounts.
Cheap Car Insurance in Mobile: Bottom Line
Cincinnati Insurance shines as the cheapest for minimum coverage, and Country Financial wins for full coverage in Alabama. No matter your driving experience or credit, you'll find affordable options. Make sure your policy includes Alabama's required coverage. By comparing, you'll get the best price for the protection you need.
Mobile Auto Insurance: FAQ
This section offers quick answers to common questions about finding affordable car insurance in Mobile. Discover how to secure the best deals and understand your options for minimum coverage, ensuring you make informed choices without breaking the bank.
What is the cheapest car insurance company in Mobile, Alabama?
Cincinnati Insurance offers the most affordable car insurance in Mobile, Alabama, with rates as low as $22 per month for state minimum coverage.
What is the best car insurance company in Mobile, Alabama?
Cincinnati Insurance, with a MoneyGeek score of 96 out of 100, offers competitively priced policies in Mobile, Alabama.
How much does car insurance cost on average in Mobile?
The average monthly rate for minimum coverage auto insurance in Mobile ranges from $45 to $82.
Best Cheap Car Insurance in Mobile: Our Methodology
MoneyGeek conducted an analysis of Mobile auto insurance prices using data from the Alabama Department of Insurance and Financial Services and Quadrant Information Services.
Mobile Driver Profile
To assess the best auto insurance options for Mobile residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Mobile
In assessing the car insurance quotes for Mobile, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Alabama's mandated liability insurance parameters:
The minimum coverage requirements in Alabama are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Alabama providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Mobile
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record. Our study evaluated insurance companies in Mobile. For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.