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Best cheap car insurance in Mobile

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The average cost of car insurance in Mobile, Alabama is $1,750 per year for full coverage, which equates to roughly $145 per month. For minimum coverage, the average rate is $560 per year or $46 per month. While minimum coverage insurance is the cheapest policy, it also offers limited coverage, so it’s not necessarily the best option for drivers looking for low-cost insurance.

There are dozens of cheap car insurance companies in Alabama that sell coverage in Mobile, and many companies offer affordable average rates. According to Bankrate’s 2021 study of quoted annual premiums, the cheapest car insurance company in Mobile for full coverage is Travelers, and for minimum coverage, the cheapest company is Geico.

Best cheap car insurance companies in Mobile

Based on Bankrate’s study of rates from Quadrant Information Services, the best cheap car insurance companies in Mobile are Farmers, Geico, Travelers and USAA. We reviewed each Alabama car insurance company based on factors like coverage options, accessibility and affordability.

In addition, every provider was given a Bankrate Score out of five points, which accounts for things like cost, claim handling and third-party ratings from J.D. Power and AM Best. When shopping for the cheapest car insurance companies in Alabama, it’s important to consider looking beyond average rates and review each company’s coverage options, discounts and policyholder reviews to make sure you are choosing a good company across the board.

Insurance company Bankrate Score J.D. Power customer satisfaction score Average annual premium for full coverage Average annual premium for minimum coverage
Travelers 4.7 831/1,000 $1,080 $397
USAA 5.0 890/1,000* $1,312 $442
Geico 4.7 843/1,000 $1,543 $389
Farmers 3.8 818/1,000 $1,628 $519

*USAA not officially ranked by J.D. Power due to eligibility restrictions.

Travelers

Drivers who are looking for the cheapest full coverage car insurance in Mobile should consider Travelers. According to average premiums from Quadrant Information Services, Travelers offers the cheapest full coverage insurance out of the providers we reviewed, with an average rate of $1,080. That is more than $600 less than the citywide average full coverage rate. The company also offers a variety of coverage options and great discounts.

Learn more: Travelers Insurance review

USAA

USAA is consistently rated as one of the best car insurance companies in Mobile. It has the highest customer satisfaction score from J.D. Power, and offers affordable rates to most Mobile drivers. In addition, USAA has an impressive list of discounts. However, Mobile drivers can only get USAA car insurance if they are an active duty or retired military service member, or the spouse or child of a service member.

Learn more: USAA Insurance review

Geico

Based on rate data from Quadrant Information Services, Geico is the cheapest car insurance company in Mobile for minimum coverage auto insurance. Geico’s average minimum coverage premium is $389, which is much lower than the citywide average rate of $560. In addition to low rates, Geico also offers a variety of generous discounts for further savings. However, Geico offers limited coverage options compared to some other providers we reviewed.

Learn more: Geico Insurance review

Farmers

Farmers has the most expensive average premiums out of the four providers on our list, but it’s rates for full coverage and minimum coverage are still below the citywide average. However, we gave Farmers the lowest Bankrate score out of the providers we reviewed. The company was rated at the bottom of J.D. Power’s customer satisfaction study, and it has fewer discounts than some of the other providers listed here.

Learn more: Farmers Insurance review

How to get and keep the cheapest car insurance in Mobile

Once you find the best car insurance in Mobile, it’s important to take the steps necessary to maintain a low rate. Here are a few ways to ensure you are getting the most competitive auto insurance rates for your personal circumstances:

  • Compare insurance providers. Before you choose a car insurance company, spend some time comparing insurance providers and getting quotes to find the most affordable rates for you.
  • Practice safe driving habits. Individuals with clean driving records often get rewarded with lower car insurance rates. Practicing safe driving habits and avoiding tickets and accidents can help you keep an affordable car insurance rate.

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 car insurance do I need in Mobile?

Drivers in Mobile are required to carry a minimum amount of car insurance. According to Alabama’s car insurance laws, the minimum required car insurance in Mobile is 25/50/25, which includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage per accident. You might want to consider getting more than the minimum amount required, however, to better protect your finances if you get in an accident. Consider speaking with an insurance agent to determine the right amount of coverage for you.

How can I lower my car insurance rates in Mobile?

There are several ways that Mobile drivers can get more affordable rates for car insurance. Many insurance providers offer discounts for paying your premium in full and enrolling in automatic payments. You can also find savings for being a good student, taking a defensive driving course and having certain safety features in your car. In addition, you can consider improving your credit score to potentially save money.

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 coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor