Cheap Auto Insurance in Mobile, AL

Where can you find auto insurance quotes in Mobile, AL? The minimum liability auto insurance coverage requirement in Alabama is 25/50/25. You can get auto insurance as low as $31 per month from ALFA. Farmers, State Farm, Allstate, and Nationwide are other affordable auto insurance companies in Mobile, AL.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Feb 24, 2021

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Can't-Miss Facts

  • The state of Alabama requires you to have 25/50/25 in liability coverage.
  • The cheapest auto insurance in Mobile, AL averages $31/month with ALFA.
  • Farmers, State Farm, Allstate, and Nationwide are other affordable auto insurance companies in Mobile, AL.

Cheap auto insurance in Mobile, AL is provided by auto insurance companies such as ALFA, Farmers, and State Farm. Alabama auto insurance requires the same coverage no matter the city in AL (see the requirements below). Compare auto insurance to find the best rates.

Discover the best insurance rates in Mobile, AL. Get free auto insurance quotes from the best providers today by entering your ZIP code into the quote box on this page.

Not yet ready to buy auto insurance in Mobile, AL? Read on to learn more.

What are the auto insurance coverage requirements in Alabama?

Mobile drivers must adhere to the state mandatory minimums, which are the following:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

The Alabama Department of Insurance reminds drivers that liability is an extremely limited form of coverage. Your company will only pay out claims if the accident is deemed your fault (or something you are liable for).

Anything else - whether you’re a hit-and-run victim, or the victim of theft - will not be covered by your policy. To verify you’re still receiving the cheapest rate, compare cheap Alabama auto insurance quotes online.

The statewide average for Alabama motorists can be as high as $174 per month. However, under certain circumstances, Mobile drivers could get a rate as low as $38/month* under the right factors.

It all depends on things such as your driving record, your credit score, and what type of vehicle you want to insure.

Unfortunately, Safeway insurance in Mobile, AL did not meet our qualifying criteria for our analysis.

Average Monthly Auto Insurance PremiumsLegend: Mobile Farmers State Farm Allstate ALFA Nationwide 51015202530354045$34$36$45$31$43

 

If all you want is a low monthly rate, it seems as though Farmers or ALFA are your best bet. However, a low monthly premium could cost you more money in the long run if your provider doesn't offer good customer service, a simple claims process, or raises your rates at a later date.

Direct Auto Insurance in Mobile, AL also sells auto insurance in Mobile, AL.

Auto insurance companies consider several variables when determining insurance quotes, including driving violations, accident claims, occupation, miles driven each year, and business use of the vehicle. Also, keep in mind that premiums vary from company to company.

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What affects my auto insurance rates in Mobile, AL?

There are numerous ways in which your auto insurance rate can be estimated. But not all of it is out of your control; there are steps you can take to be able to impact what discounts you are eligible to obtain. The following are some of these factors in greater detail:

How does my ZIP code affect my auto insurance rates in Mobile, AL?

Where you park your car each night will have a major impact on your auto insurance rate. Generally, auto insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle.

The population of Mobile is 194,899 and the average household income is $36,150.

Auto Insurance by Zip CodeLegend: Tuscaloosa Montgomery Mobile Huntsville Birmingham Farmers State Farm Allstate ALFA Nationwide 51015202530354045$27$30$34$25$31$33$33$36$36$43$40$39$45$41$45$29$30$31$28$32$40$43$43$39$41

 

How do accident fatality rates affect my auto insurance rates in Mobile, AL?

High accident rates in your ZIP code could equal higher premiums each month. Compared with the national average, Mobile's fatal accident statistics are fairly low, as you can tell from looking at the chart below.

Fatal Accidents in Mobile, ALLegend: Mobile Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 10203040506027416276011

 

How does the theft rate of vehicles affect my auto insurance rates in Mobile, AL?

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles that are parked often in large cities.

The total number of stolen vehicles in Mobile was 681 back in 2013, which is an increase from the previous year. The only type of automotive insurance which protects against vehicle theft is Comprehensive coverage - but it's a bit more costly.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Allstate ALFA Nationwide 102030405060708090100110$34$85$36$106$45$118$31$117$43$94

 

How does my credit history affect my auto insurance rates in Mobile, AL?

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Allstate ALFA Nationwide 1020304050607080$28$73$26$83$36$71$30$52$40$59

 

How does my age affect my auto insurance rates in Mobile, AL?

According to the Department of Highway Safety and Motor Vehicles, young drivers are statistically more likely to cause car accidents than any other type of driver.

Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Farmers State Farm Allstate ALFA Nationwide 20406080100120140160180200220240$34$252$36$86$45$196$31$61$43$90

 

How does my driving record affect my auto insurance rates in Mobile, AL?

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Allstate ALFA Nationwide 51015202530354045505560$34$49$57$54$36$40$40$45$45$49$58$62$31$33$42$35$43$43$64$59

 

How does my vehicle affect my auto insurance rates in Mobile, AL?

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don't cost as much to insure.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Allstate ALFA Nationwide 102030405060708090100110120130$34$125$36$132$45$117$31$116$43$109

 

Sometimes, there are factors that can influence your monthly premium in ways you might not expect. Some of them are:

How does my marital status affect my auto insurance rates in Mobile, AL?

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

How does my gender affect my auto insurance rates in Mobile, AL?

Gender has almost no substantial influence on your monthly rate. Many companies don't charge different premiums based on gender at all. And for those that still do, the rate rarely fluctuates beyond a 2-3 percent price difference.

How does my commute affect my auto insurance rates in Mobile, AL?

Traffic in Mobile can get pretty hairy, with the average motorist spending over 30 minutes in traffic each way. Despite the horrible work commute, only about 12% of workers carpool to the office each day.

Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won't save you much on your monthly rates.

The only thing which will influence your price is whether or not you designate your vehicle as "for business" use. Business vehicles are typically charged 10-12 percent more each month.

How do my coverage level and deductible affect my auto insurance rates in Mobile, AL?

Getting all the coverage you need can be expensive. That's why some companies will charge you less per month if you agree to raise your deductible. However, be sure to save a little money away in case of an emergency if you choose to go this route.

Our Auto Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Find affordable auto insurance in Mobile, AL and compare multiple companies by entering your ZIP code below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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