Cheap Quotes for Mobile, AL Car Insurance (2021)

Mobile, Alabama car insurance rates average $346 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Mobile, AL companies, you can find cheap Mobile car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Mobile, AL for senior drivers are $2,167/year
  • Average car insurance rates in Mobile, AL are $346/month
  • Mobile has an average commute time of 22.1 minutes

How do the Mobile, Alabama monthly average car insurance rates of $346/month compare to nearby cities like Montgomery car insurance rates, Birmingham car insurance rates, and Decatur car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Mobile, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Mobile, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Mobile, Alabama companies to find the most affordable Mobile car insurance rates.

Enter your ZIP code above to find cheap Mobile, AL car insurance quotes today.

What are the minimum Mobile, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Mobile, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Mobile, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Mobile, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Mobile, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Mobile, Alabama

ZIP Code Average Annual Rates
36571 $4,195
36602 $4,314
36603 $4,304
36604 $4,315
36605 $4,318
36606 $4,320
36607 $4,268
36608 $4,302
36609 $4,212
36615 $4,342
36617 $4,321
36618 $4,295
36619 $4,296
36688 $4,335
36693 $4,164
36695 $4,273

How do age, gender, and marital status affect Mobile, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Mobile, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Mobile car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mobile, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,127 $2,021 $1,934 $1,970 $7,579 $8,151 $2,362 $2,408
Farmers $2,739 $2,719 $2,444 $2,607 $10,839 $11,153 $3,097 $3,196
GEICO $2,197 $2,190 $2,096 $2,180 $5,880 $5,760 $2,324 $2,153
Liberty Mutual $3,358 $3,628 $2,751 $3,084 $12,567 $13,983 $3,564 $3,782
Nationwide $1,896 $1,919 $1,726 $1,786 $5,100 $6,572 $2,111 $2,363
Progressive $2,798 $2,615 $2,300 $2,457 $11,616 $12,957 $3,267 $3,466
State Farm $3,242 $3,242 $2,952 $2,952 $10,119 $12,663 $3,672 $4,240
Travelers $1,651 $1,676 $1,556 $1,550 $9,183 $14,539 $1,558 $1,771
USAA $1,429 $1,447 $1,340 $1,313 $4,320 $4,786 $1,864 $2,012

How much do teen drivers pay for car insurance in Mobile, AL?

Mobile, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Mobile car insurance rates from multiple Mobile, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Mobile, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,579 $8,151
Farmers $10,839 $11,153
GEICO $5,880 $5,760
Liberty Mutual $12,567 $13,983
Nationwide $5,100 $6,572
Progressive $11,616 $12,957
State Farm $10,119 $12,663
Travelers $9,183 $14,539
USAA $4,320 $4,786

How much do senior drivers pay for car insurance in Mobile, AL?

With a little research, seniors can find affordable car insurance in Mobile, Alabama. Here’s a look at how the top Mobile car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Mobile, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,934 $1,970
Farmers $2,444 $2,607
GEICO $2,096 $2,180
Liberty Mutual $2,751 $3,084
Nationwide $1,726 $1,786
Progressive $2,300 $2,457
State Farm $2,952 $2,952
Travelers $1,556 $1,550
USAA $1,340 $1,313

How does coverage level affect Mobile, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Mobile, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Mobile, Alabama

Insurance Company Low Medium High
Allstate $3,432 $3,562 $3,713
Farmers $4,544 $4,777 $5,226
GEICO $2,845 $3,084 $3,363
Liberty Mutual $5,541 $5,809 $6,169
Nationwide $2,912 $2,911 $2,978
Progressive $4,606 $5,157 $5,791
State Farm $5,075 $5,382 $5,700
Travelers $3,960 $4,269 $4,327
USAA $2,224 $2,300 $2,418

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How does your driving record affect Mobile, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Mobile, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Mobile, Alabama companies.

Annual Mobile, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,021 $3,572 $4,258 $3,425
Farmers $4,081 $5,288 $5,160 $4,868
GEICO $2,077 $3,364 $4,183 $2,765
Liberty Mutual $4,577 $6,383 $6,230 $6,169
Nationwide $2,563 $2,563 $3,745 $2,865
Progressive $4,669 $5,890 $5,055 $5,125
State Farm $4,841 $6,051 $5,325 $5,325
Travelers $3,482 $3,652 $5,369 $4,239
USAA $1,778 $2,236 $3,317 $1,924

How does a DUI affect Mobile, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Mobile, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Mobile, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,258
Farmers $5,160
GEICO $4,183
Liberty Mutual $6,230
Nationwide $3,745
Progressive $5,055
State Farm $5,325
Travelers $5,369
USAA $3,317

How does your credit history affect Mobile, AL car insurance rates?

Take a look at the data here to see how your Mobile, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Mobile, Alabama

Insurance Company Poor Fair Good
Allstate $4,400 $3,470 $2,837
Farmers $5,430 $4,681 $4,436
GEICO $3,942 $2,809 $2,541
Liberty Mutual $8,354 $5,137 $4,029
Nationwide $3,539 $2,763 $2,500
Progressive $5,839 $5,021 $4,694
State Farm $8,746 $4,417 $2,994
Travelers $4,559 $3,959 $4,038
USAA $3,097 $2,030 $1,815

How does your commute affect Mobile, AL car insurance rates?

Mobile, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Mobile if you’re financing.

Annual Car Insurance Rates by Commute Length in Mobile, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,569 $3,569
Farmers $4,849 $4,849
GEICO $3,042 $3,153
Liberty Mutual $5,840 $5,840
Nationwide $2,934 $2,934
Progressive $5,185 $5,185
State Farm $5,253 $5,518
Travelers $4,186 $4,186
USAA $2,208 $2,420

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Who has the cheapest Mobile, AL car insurance rates?

Here’s a breakdown of Mobile, Alabama car insurance rates by company. You can see which company offers the cheapest Mobile car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Mobile, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

What are the top Mobile, AL car insurance companies?

Which Mobile, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Mobile companies to find the one for you.

Average Annual Car Insurance Rates by Company in Mobile, Alabama

Insurance Company Average Annual Rates
Allstate $3,569
Farmers $4,849
GEICO $3,097
Liberty Mutual $5,840
Nationwide $2,934
Progressive $5,185
State Farm $5,385
Travelers $4,186
USAA $2,314

What factors affect Mobile, AL car insurance rates?

Why are Mobile, Alabama car insurance rates different than rates in Montgomery or Birmingham? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Mobile, AL?

FBI statistics show that the Mobile, Alabama car theft rate is 1,084 thefts each year. High theft rates can lead to higher than average Mobile, AL car insurance rates.

How long is the average commute in Mobile, AL?

More time spent behind the wheel can lead to higher Mobile, Alabama car insurance rates. In Mobile, AL, the average commute length is 22.1 minutes.

What is the traffic like in Mobile, AL

Like commute length, time spent in traffic also increase risk of accidents. Mobile, AL is listed as 696th in INRIX congested cities data.

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Car Insurance Quotes for Mobile, AL

Shop for affordable Mobile, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Mobile, AL car insurance companies.

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