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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital 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.
Auto insurance in Mobile, Alabama, has unique factors that can affect rates, including frequent hurricanes and a high rate of uninsured drivers — both of which can drive rates up across the city.
We found that, on average, Mobile residents pay $141 per month for car insurance, with liability coverage costing $74 and full coverage coming in at $208.
But savvy shoppers can still find a deal by choosing the right company. For example, our research found that Auto-Owners offers the most affordable rates for many Mobile drivers, at $65 per month.
Still, car insurance rates can vary drastically from one driver and one insurer to the next. With that in mind, let’s review the most budget-friendly car insurance options and identify the best coverage for your unique situation.
Auto-Owners offers the cheapest insurance in Mobile, with an average cost of just $65 per month.
Budget-focused drivers can consider liability-only coverage to manage costs at an average of just $74 per month.
Environmental risks like storms and flooding cause average rates to rise in Mobile.
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Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Mobile | $74 | $208 | $141 |
| Alabama | $65 | $171 | $118 |
| National average | $92 | $176 | $135 |
Compared to the statewide average of $118 per month, the average Mobile driver pays $141 each month for auto insurance. That breaks down to an average of $74 per month for liability insurance and $208 for a more robust full-coverage policy.
While average rates provide a general sense of car insurance costs in the city, remember that your unique driving profile and coverage needs significantly affect what you pay.
Let’s explore Mobile’s cheapest car insurance companies to help you find the best possible rate.
Despite Mobile’s relatively high car insurance rates compared to the rest of Alabama, several companies offer premiums well below the citywide average.
The table below shows the five cheapest insurers in Mobile, based on Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Auto-Owners | $65 |
| USAA | $65 |
| State Farm | $66 |
| Allstate | $71 |
| COUNTRY Financial | $72 |
We found that Auto-Owners offers the lowest average monthly premium, at just $65.
In the following sections, we’ll explore the cheapest options for several common demographics and top factors influencing car insurance costs, such as age and driving history.
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It’s essential to remember that there’s no single “best” option for everyone. Each driver’s unique needs and circumstances vary, so choosing the right company depends on several factors.
We selected the three auto insurers listed below based on a combination of average rates in Mobile, available discounts, customer ratings, and the range of coverages each one offers.
Average premium: $65 per month
Compare.com Rating: 4.43 out of 5
Cheaper-than-average rates
Vanishing deductible available
Higher-than-average customer satisfaction
Available in only 26 U.S. states
Limited website functionality
Customer service isn’t 24/7
Auto-Owners scores well above average for claims satisfaction, and its excellent accident forgiveness program might be why. Not only can you get accident forgiveness after your first collision, but you can also use the optional vanishing deductible to reduce your out-of-pocket expenses. You can also use Auto-Owners to cover most of your insurance needs. The company offers home, condo, and life insurance — and you’ll likely get a multi-policy discount for buying more than one type.
Auto-Owners is available in many states but not everywhere. Customer service also has limited hours, but it still offers extensive coverage from a highly rated team of representatives.
Average premium: $71 per month
Compare.com Rating: 4.93 out of 5
Great claims and customer satisfaction scores
Wide range of insurance and financial products
Reliable, affordable auto insurance policies
Reported glitches with mobile apps
More customer complaints than expected
Somewhat limited financial services options
Allstate is an excellent choice for people who want a one-stop shop for insurance products and financial services. It offers great rates for auto insurance, plus renters, life, pet, and home insurance options. Allstate also provides various customizable coverage options, plus financial services, including retirement planning.
Bundling discounts and extensive support options make Allstate convenient for you to manage multiple policies in one place. Allstate’s local insurance agents and digital tools add to its appeal for people who want highly customized, comprehensive service.
Average premium: $72 per month
Compare.com Rating: 4.75 out of 5
Great rates for teen drivers
Above-average customer satisfaction
Higher-than-average claims satisfaction
Available in only 19 states
Somewhat limited website functionality
Vanishing deductible not available
COUNTRY Financial offers competitive rates and discounts in Mobile, plus The Keeper program, which provides new car replacement coverage if you total your car. You can also get add-ons like windshield replacement coverage and other somewhat unique coverage.
That said, the company still has downsides, including no accident forgiveness or gap insurance offerings, which may be necessary for some Mobile drivers. Additionally, you must buy a COUNTRY Financial policy directly through an agent — so you won’t get the convenience of online purchasing that many insurers offer.
Compare quotes and find the company that best fits your needs and budget.
The coverage levels you choose play a substantial role in determining your car insurance rates. Basic liability coverage meets Alabama’s state-minimum requirements and is the cheapest policy available, but the protection it provides is relatively minimal. It pays for damages and injuries you cause in an accident, but it doesn’t cover your vehicle or medical bills.
The table below features the cheapest companies for liability insurance in Mobile, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Auto-Owners | $47 |
| USAA | $47 |
| State Farm | $47 |
| Allstate | $50 |
| COUNTRY Financial | $51 |
We found that Auto-Owners offers the lowest average liability rates, at $47 per month.
But if you’re on the hunt for more robust coverage, let’s look at the cheapest options for full-coverage policies.
Full-coverage insurance typically includes liability, collision, and comprehensive coverage. It helps protect you against damage to your vehicle, whether from an accident, theft, or natural disaster. While more expensive than liability-only coverage, full coverage provides greater financial protection, and buying it is typically a good idea, especially if you have a car you can’t afford to repair or replace on your own.
The table below features the five cheapest companies for full-coverage policies in Mobile, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Auto-Owners | $84 |
| USAA | $84 |
| State Farm | $85 |
| Allstate | $91 |
| COUNTRY Financial | $93 |
Auto-Owners offers the lowest average rate in Mobile for full coverage, at $84 monthly.
Still, these broad averages probably aren’t the best indicator of what you’ll pay, since they don’t consider important factors like age and driving record. Let’s dive deeper into each.
Age is one of the most significant factors affecting car insurance rates. For example, insurers view younger drivers as higher risk due to inexperience and a higher likelihood of accidents. Because of that, teens and people younger than age 25 typically pay some of the highest rates of any group.
The table below breaks down Mobile’s average monthly premiums by age group, showing the cheapest insurers for each, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $263 | COUNTRY Financial | $143 |
| 20s | $175 | USAA | $109 |
| 30s | $130 | USAA | $84 |
| 40s | $122 | USAA | $80 |
| 50s | $111 | Auto-Owners | $72 |
| 60s | $99 | State Farm | $63 |
| 70s | $105 | State Farm | $63 |
Teen drivers have the highest car insurance rates of any age group due to their limited driving experience, which leads to more accidents and higher claim rates. Several studies highlight this risk, including one from the Centers for Disease Control and Prevention (CDC), showing that car crash fatalities are three times as high for teen drivers than for other age groups.
In Mobile, the average monthly premium for teen drivers is $263, but COUNTRY Financial offers the best rates, at an average of just $143 per month.
As you approach retirement age, you tend to benefit from some of the lowest insurance rates due to years of experience and safer driving habits. In fact, research from the AAA Foundation shows older adults drive less frequently, reducing their risk even further.
While seniors in Mobile typically pay around $99 per month for coverage, they can often find the cheapest rates from State Farm, which offers monthly premiums at $63.
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Your driving record is among the most influential factors affecting your car insurance rates. A clean record generally results in lower premiums, while violations such as speeding tickets, accidents, or DUIs cause substantial rate increases.
The table below compares the average cost of car insurance in Mobile based on different driving records, according to Compare.com data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $141 | State Farm | $90 |
| Speeding ticket | $219 | State Farm | $120 |
| At-fault accident | $225 | State Farm | $126 |
| DUI | $253 | State Farm | $151 |
Getting a speeding ticket causes car insurance rates to rise significantly, with a national average increase of around 27%, according to Compare.com research. In Mobile, the citywide average monthly premium after a ticket is $219, while State Farm offers the lowest rate, at $120 per month.
To keep premiums trending downward, do your best to keep a clean driving record from now on.
Getting into an at-fault accident increases your car insurance rates even more. In fact, our data shows that national rates rise by an average of 34% after a single at-fault car accident.
In Mobile, the average premium for drivers with a recent accident on their record is $225 per month. But State Farm offers the best value, with average rates of just $126 per month.
A DUI typically causes the most significant increase in car insurance premiums, with national rates rising by about 50%, according to Compare.com data. In Mobile, drivers with a DUI pay an average of $253 per month, but State Farm offers the lowest rate, at just $151 per month.
If you have a recent DUI, consider looking into defensive driving courses and pay-as-you-go programs to unlock lower premiums.
Uncover the cheapest rates available, regardless of your driving record.
In the state of Alabama, you must maintain auto insurance with the following minimum liability limits:
$25,000 for bodily injury (BI) protection per person
$50,000 for combined BI coverage per accident
$25,000 for property damage coverage per accident
But if you’d like, you can opt for a combined single limit of $75,000 per accident. Just keep in mind that these low limits may not fully cover many claims.
Additionally, insurers must offer uninsured/underinsured motorist (UI/UM) coverage in an amount equal to the bodily injury limits, but you can reject it in writing.
Learn more from the Alabama Department of Insurance.
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It’s relatively easy to find cheaper car insurance in Mobile — as long as you take proactive steps to lower your premiums. Start by understanding how your driving habits and personal factors affect rates, then explore discounts or coverage reductions without sacrificing protection. The more you customize your insurance policy, the better your chances of saving.
Here are our favorite tips to help you get cheaper car insurance:
Bundle your policies. Consider purchasing a renters or homeowners insurance policy from the same company as your car insurance to get substantial savings.
Maintain a clean driving record. Even just one accident or ticket can substantially increase your auto insurance rates. Practice safe driving habits to avoid higher rates in the future.
Research discounts. Nearly every insurer offers a wide array of discounts, including savings for being a safe driver or insuring multiple cars on the same policy. Reach out to your insurance company to ensure you’re getting all the savings you qualify for.
Consider a higher deductible. Increasing your comprehensive and collision deductibles can lower your rates substantially. Just make sure you can afford the extra expense if you have to file a claim.
Compare quotes regularly. Shop around and compare personalized quotes from multiple companies to ensure you’re getting the best rate. We recommend doing so every six months or when your policy renews.
Compare personalized quotes from dozens of America’s top-rated insurers.
Check out these answers to some of the most commonly asked questions about car insurance in Mobile, Alabama.
Auto-Owners offers the most affordable car insurance rates in Mobile, with an average monthly premium of just $65, according to Compare.com data.
The average Mobile driver pays $141 per month for car insurance, according to Compare.com data. That breaks down to an average of $74 per month for liability coverage and $208 per month for full coverage.
Alabama requires all drivers to purchase liability coverage of at least $25,000 per person and $50,000 per accident of bodily injury liability, and $25,000 of property damage liability. Or you can choose to have a policy with combined coverage limits of $75,000 per accident.
While Alabama’s average car insurance rates are lower than the national average, you may see higher car insurance premiums due to local accident rates, uninsured drivers, and the state’s weather risks, such as hurricanes and tornadoes.
Data Methodology:
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.
Sources:
Insurance Information Institute, “Facts + Statistics: Uninsured motorists,” accessed October 7, 2024.
National Association of Insurance Commissioners, “Allstate Prop & Cas Ins Co. National Complaint Index Report,” accessed October 7, 2024.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed October 7, 2024.
J.D. Power “2023 Claims Satisfaction Study,” accessed October 7, 2024.
CDC, “Risk Factors for Teen Drivers,” accessed October 7, 2024.
AAA Foundation, “Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014-2015,” accessed October 7, 2024.
Alabama Department of Revenue, “Penalties for Violations,” accessed October 7, 2024.
Alabama Legislative Services Agency Administrative Code, “Rule 760-X-1-.23 - Mandatory Liability Insurance,” accessed October 7, 2024.
The Alabama Legislature, “Code of Alabama,” accessed October 7, 2024.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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