Best cheap car insurance in Mobile

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In 2018, there were 11,980 car crashes reported in Mobile, Alabama. Every driver in Mobile is required to carry car insurance to protect their legal and financial responsibility in the event of an at-fault accident. The average annual full coverage car insurance premium is $1,750, and the average minimum coverage premium is $560.

Drivers in Mobile who are in the market for car insurance should consider a few key factors when comparing insurance providers. We identified the best cheap car insurance in Mobile based on average annual rates, coverage options, discounts available, customer service and more.

Best car insurance companies in Mobile

The best car insurance companies in Mobile offer a combination of below-average rates, comprehensive coverage, generous discounts, excellent customer service and good ratings from third-party organizations. Here are the top auto insurance carriers in Mobile:

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Farmers 832 / 1,000 $519 $1,628
Geico 857 / 1,000 $389 $1,543
Travelers 823 / 1,000 $397 $1,080
USAA 909 / 1,000 $442 $1,312

Farmers

Farmers offers several options for people wanting to customize their policy, including with a variety of endorsements, including Guaranteed Value™ coverage, custom parts coverage, rideshare insurance, full windshield and glass coverage, new car replacement coverage and accident forgiveness. Farmers also offers a handful of discounts to eligible policy holders, including savings for being claims-free and bundling policies.

Geico

Geico is a solid option for car insurance in Mobile. The company offers below-average rates and a long list of discounts, including possible savings for military personnel, federal employees, employer/membership groups, good students, safe drivers and people who have a vehicle with advanced safety equipment. Coverage from Geico is basic, but drivers have the option to add several endorsements, including roadside assistance and mechanical breakdown insurance.

Travelers

Travelers is one of the cheapest car insurance companies in Mobile. In addition to low rates, Travelers also offers a number of potential add-on policies, like gap insurance, new car replacement coverage, roadside assistance and accident forgiveness. Drivers who want a cheap rate may be able to take advantage of discounts, including potential savings for hybrid owners, people who have continuous insurance and those who enroll in the IntelliDrive® safe driver rewards program.

USAA

USAA only sells coverage to active duty and retired military service members and their eligible family members. Mobile drivers who qualify for coverage through USAA can take advantage of the company’s excellent customer service, reliable coverage and generally low rates. USAA’s website claims that drivers save an average of over $700 when they switch from another provider, thanks to the company’s generous rates and discounts.

Cheapest car insurance in Mobile

The average cost of car insurance in Mobile is more expensive than the average rate in Alabama. The average Alabama driver pays $1,623 for full coverage insurance and $469 for minimum coverage insurance. Car insurance in Alabama is on par with the United States average rate, which is $1,674 for full coverage and $565 for minimum coverage.

Drivers in Mobile might pay more or less than the citywide average rate based on factors like their credit score, claims history and the provider they choose. The table below looks at the cheapest car insurance rates in Mobile from the most popular carriers based on market share:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $389 $1,543
Travelers $397 $1,080
USAA $442 $1,312
Country Financial $465 $1,763
Allstate $466 $1,400

Drivers who are looking for the cheapest car insurance in Alabama often look beyond price and consider other factors, like coverage options. For example, Geico and USAA offer limited endorsements, so Allstate or Travelers would be a better choice for drivers who want to customize their policy with add-ons.

The same goes for discounts. For example, every carrier on this list offers a multi-policy discount, but Allstate’s policy bundling discount is the most significant, with up to 35% in savings. Similarly, every company offers different discounts, and you likely will not be eligible for all of them.

In terms of customer satisfaction ratings, some providers are better than others. In J.D. Power’s 2020 U.S. Auto Insurance Study, Geico and USAA were the only providers rated above average in the Southeast region, which includes Alabama. Travelers and Allstate were rated below average, and Country Financial was not rated at all.

Mobile insurance requirements

Car insurance in Mobile is a legal requirement. Registered vehicle owners are required to carry at least 25/50/25 in personal liability insurance, which includes the following coverages:

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

Although minimum coverage insurance is the cheapest option, there is no guarantee that minimum coverage insurance will cover the full cost of an accident. If you cause an accident and your financial responsibility is greater than your policy’s limit, you have to pay the difference out-of-pocket.

For added protection, many drivers in Mobile choose to upgrade to a full coverage insurance policy. In some situations, drivers are required to carry full coverage insurance. This is often the case for drivers who lease or finance their vehicle through a lender. Talk to an agent to decide what level of coverage is right for you.

Car insurance discounts in Mobile

Almost every car insurance company in Mobile offers discounts. The exact discounts vary by provider, but here are some of the most common ones that drivers can find in Mobile:

  • Claims-free discount: Drivers who have no insurance claims on their record within the last few years can sometimes get a discount on their policy.
  • Defensive driving course discount: Drivers who complete an approved defensive driving or safe driver training course often qualify for an insurance discount.
  • Pay in full discount: Drivers who pay their annual premium upfront and in full, rather than in monthly installments, may get a cheaper rate.
  • Multi-vehicle discount: Drivers who insure more than one vehicle on their car insurance policy can typically get a small discount.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. It depends on factors like where you live, your budget, the type of coverage you need and what discounts you can qualify for. Drivers who are looking for car insurance should shop around and compare providers using their personal criteria.

How much does car insurance in Mobile cost?

In Mobile, the average full coverage car insurance premium is $1,750 per year and the average minimum coverage premium is $560 per year. But keep in mind that car insurance quotes in Mobile are personalized, so variables like your age, claims history, the type of car you drive and your annual mileage will impact your rate.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.