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Best Cheap Auto Insurance in Mobile, AL (2021)

Things to Remember

  • The best cheap auto insurance in Mobile, Alabama comes from USAA.
  • Mobile, AL auto insurance rates are cheaper than Birmingham but more expensive than Montgomery.
  • Mobile auto insurance costs are impacted by mild traffic congestion and auto theft statistics.

Mobile, Alabama auto insurance costs are not the most expensive in the state, but it’s not the cheapest either.

Our guide can help you secure cheap auto insurance in Mobile, AL, regardless of your age, driving record, and coverage needs.

Table of Contents

Monthly Mobile, AL Car Insurance Rates by ZIP Code

Check out the monthly Mobile, AL auto insurance rates by ZIP Code below:

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Mobile, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Mobile, AL stack up against other top metro auto insurance rates? We’ve got your answer below.

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Buy Mobile, AL car insurance right now by entering your ZIP code into our free quote tool above.

What is the cheapest auto insurance company in Mobile, AL?

The cheapest Mobile, AL auto insurance company is USAA. Rates from this provider average $192 per month or $2,313 annually.

However, only military personnel are eligible to purchase policies through USAA. Nationwide is the next cheapest company in Mobile and is available to everyone.

Which Mobile, AL auto insurance company has the cheapest rates? And how do those rates compare against the average Alabama auto insurance company rates? We’ve got the answers below.

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See a list of the top Mobile, AL insurance providers from cheapest to most expensive below:

  • USAA – $2,313.95
  • Nationwide – $2,934.05
  • GEICO – $3,097.45
  • Allstate – $3,568.97
  • Travelers – $4,185.55
  • Farmers – $4,849.01
  • Progressive – $5,184.61
  • State Farm – $5,385.47
  • Liberty Mutual – $5,839.86

There are different factors that affect auto insurance rates.

Your Mobile, AL auto insurance quotes from these companies may be more or less expensive depending on your age, driving record, and the level of coverage you require.

Mobile, AL auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Mobile auto insurance rates. Find the cheapest Mobile, AL auto insurance rates by coverage level below:

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Your credit score will play a major role in your Mobile auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Mobile, AL auto insurance rates by credit score below.

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Your driving record will play a major role in your Mobile auto insurance rates. For example, other factors aside, a Mobile, AL DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Mobile, AL auto insurance rates by driving record.

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Factors affecting auto insurance rates in Mobile, AL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Mobile, Alabama auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Alabama does use gender, so check out the average monthly auto insurance rates by age and gender in Mobile, AL.

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What auto insurance coverage is required in Mobile, AL?

If you live in Mobile, you must carry the Alabama minimum auto insurance requirements to drive on the roads legally.

An estimated 18.4 percent of people are driving without insurance in Alabama, making it the 6th highest state in the country for uninsured motorists.

Alabama required the following coverage limits:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage.
  • $25,000 per accident in property damage liability coverage.

Alabama is an at-fault state. If you cause an accident, you are responsible for paying for any associated damages for the other party involved.

What affects auto insurance rates in Mobile, AL?

Mobile auto insurance costs are impacted by the high level of uninsured motorists in the state. However, minor traffic congestion and auto theft statistics also affect what you pay for insurance.

According to the 2019 traffic scorecard from INRIX, Mobile is the 109th most congested city in the country. Drivers lose about 15 hours to backed-up traffic each year.

The average commute length for Mobile drivers is 21 minutes, according to City-Data. The national average is 26 minutes.

Auto theft rates also influence your Mobile insurance costs. The Federal Bureau of Investigation (FBI) recorded 1,259 car thefts in 2017.

That’s a rate of 506.8 thefts per 100,000 people.

Mobile, AL Auto Insurance: The Bottom Line

Mobile car insurance is not the most expensive in Alabama, but it is not the cheapest, either.

However, you can secure low Mobile, AL auto insurance rates by comparing quotes online and seeking out auto insurance discounts.

Secure affordable Mobile, AL auto insurance by entering your ZIP code into our free quote tool below.

References:

  1. https://inrix.com/scorecard-city/?city=Mobile%2C%20AL&index=660
  2. http://www.city-data.com/city/Mobile-Alabama.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/alabama.xls

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