Buy Cheap Mobile, AL Auto Insurance
The cheapest auto insurance in Mobile, AL, is from GEICO, although rates will vary for each person. Mobile, AL auto insurance must meet the state minimum requirements with coverage levels of 25/50/25 for liability. To cut out-of-pocket expenses, you should get a higher coverage limit. Compare Mobile, Alabama car insurance rates online to get the best price.
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UPDATED: Jul 15, 2021
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- Auto insurance in Mobile, Alabama, is $584 more per year than the Alabama average
- The cheapest auto insurance company in Mobile, AL is USAA
- Some of the most critical factors are driving record, credit history, age, and gender
- Vehicle theft in Mobile, Alabama, can affect your comprehensive coverage costs
Mobile, AL auto insurance rates are $4,151 per year or $346 per month. The Alabama average is $584 cheaper, and the national average is $219 more affordable.
Mobile, Alabama auto insurance is less expensive than other major Californian cities despite being only a six-mile drive from Los Angeles.
Overall, auto insurance rates are determined by various factors, including the company you choose, your driving history, and much more.
Are you trying to find affordable Mobile, AL auto insurance? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Mobile, AL?
The cheapest auto insurance company in Mobile, Alabama, is USAA. The following most affordable companies are Nationwide and GEICO.
Here are the best Mobile, AL auto insurance companies, ranked from cheapest to most expensive:
- USAA – $2,314
- Nationwide – $2,934
- GEICO – $3,097
- Allstate – $3,569
- Travelers – $4,186
- Farmers – $4,849
- Progressive – $5,185
- State Farm – $5,385
- Liberty Mutual – $5,840
USAA, Nationwide, GEICO, and Allstate are the only Mobile, AL auto insurance providers with cheaper than average rates. However, your auto insurance rates will depend on personal factors.
The most crucial factor is your driving history. Some auto insurance companies provide up to 35 to 40 percent off annual premiums if you have a clean driving record. Combine that with a good credit score, and you can save hundreds on auto insurance per year.
Another important factor that determines auto insurance is location. Auto insurance providers can base your rates on the neighborhood ZIP code.
So what’s the cheapest neighborhood in Mobile, AL? The most affordable ZIP code in Mobile, AL, is 36693, and its average auto insurance cost is $347 per month.
Male drivers under 25 have the most expensive rates to buy Mobile, AL auto insurance. Meanwhile, married drivers who are 25 and older pay up to $1,300 less.
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What are the minimum auto insurance coverage requirements in Mobile, AL?
All drivers in Mobile need to carry the minimum Alabama auto insurance requirements, which are:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $25,000 per incident for property damage
Mobile, AL has a fluctuating population due to tourism and college attendance in the city. This means more people will be on the road and more risks for Mobile, AL residents.
These minimums are very low, and drivers should consider raising these limits and carrying additional auto insurance coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.
What affects auto insurance rates in Mobile, AL?
Work commutes and your city’s vehicle theft rate can determine your auto insurance rates. Your chances of getting into an accident go up the more you drive. Meanwhile, vehicle thefts determine your chances of filing a comprehensive insurance claim.
The city of Mobile, Alabama, didn’t share vehicle theft data with the FBI in 2019. However, NeighborhoodScout reported that Mobile residents have a one in 31 chance of becoming a victim of property crime.
What about your daily commute to work? According to City-Data, the average Mobile, AL commute is 20 minutes, which is five minutes faster than the national average.
Mobile, AL auto insurance: The Bottom Line
The best way to get cheap auto insurance in Mobile, AL, is by maintaining a clean driving record. If you have a good credit score, take advantage of the low prices provided by your auto insurance company.
Also, you should report your vehicle’s safety and anti-theft features so you can save more money on auto insurance.
Before you buy auto insurance in Mobile, AL, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Mobile, AL auto insurance quotes.