Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The annual number of car thefts in Mobile is 1,084.
  • The cheapest car insurance company in Mobile for teen drivers is USAA
  • Average car insurance rates in Mobile, AL for senior drivers are $2,167/year

Average car insurance rates in Mobile, Alabama are $346 a month. But with a little research you can get a great deal from the top car insurance companies in Mobile, AL. Before you buy Mobile, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Mobile car insurance rates with Huntsville car insurance rates, Birmingham car insurance rates, or Montgomery car insurance rates to make sure you’re getting the best Mobile, AL car insurance quotes available.

Need affordable Mobile, AL car insurance? Enter your ZIP code to compare Mobile car insurance quotes from multiple car insurance companies near you.

Mobile, AL Minimum Car Insurance Coverage

Mobile, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Mobile, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Mobile, AL Car Insurance Rates by Coverage Level

Some Mobile drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Mobile, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Mobile, Alabama

Insurance Company Low Medium High
Allstate $3,432 $3,562 $3,713
Farmers $4,544 $4,777 $5,226
GEICO $2,845 $3,084 $3,363
Liberty Mutual $5,541 $5,809 $6,169
Nationwide $2,912 $2,911 $2,978
Progressive $4,606 $5,157 $5,791
State Farm $5,075 $5,382 $5,700
Travelers $3,960 $4,269 $4,327
USAA $2,224 $2,300 $2,418

Mobile, AL Car Insurance Rates by Age, Gender, and Marital Status

Mobile, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Mobile, AL car insurance, get quotes from multiple car insurance companies in the Mobile area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mobile, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,127 $2,021 $1,934 $1,970 $7,579 $8,151 $2,362 $2,408
Farmers $2,739 $2,719 $2,444 $2,607 $10,839 $11,153 $3,097 $3,196
GEICO $2,197 $2,190 $2,096 $2,180 $5,880 $5,760 $2,324 $2,153
Liberty Mutual $3,358 $3,628 $2,751 $3,084 $12,567 $13,983 $3,564 $3,782
Nationwide $1,896 $1,919 $1,726 $1,786 $5,100 $6,572 $2,111 $2,363
Progressive $2,798 $2,615 $2,300 $2,457 $11,616 $12,957 $3,267 $3,466
State Farm $3,242 $3,242 $2,952 $2,952 $10,119 $12,663 $3,672 $4,240
Travelers $1,651 $1,676 $1,556 $1,550 $9,183 $14,539 $1,558 $1,771
USAA $1,429 $1,447 $1,340 $1,313 $4,320 $4,786 $1,864 $2,012

Mobile, AL Car Insurance Rates for Teens

How much is Mobile, Alabama car insurance for teens? Compare rates from top Mobile car insurance companies below to help find the cheapest teen car insurance in Mobile, AL.

Annual Car Insurance Rates for Teen Drivers in Mobile, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,579 $8,151
Farmers $10,839 $11,153
GEICO $5,880 $5,760
Liberty Mutual $12,567 $13,983
Nationwide $5,100 $6,572
Progressive $11,616 $12,957
State Farm $10,119 $12,663
Travelers $9,183 $14,539
USAA $4,320 $4,786

Mobile, AL Car Insurance Rates for Seniors

Before seniors buy Mobile, Alabama car insurance, they should make sure to shop around. Some Mobile, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Mobile, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,934 $1,970
Farmers $2,444 $2,607
GEICO $2,096 $2,180
Liberty Mutual $2,751 $3,084
Nationwide $1,726 $1,786
Progressive $2,300 $2,457
State Farm $2,952 $2,952
Travelers $1,556 $1,550
USAA $1,340 $1,313

Mobile, AL Car Insurance Rates by Credit History

How does your credit history affect Mobile, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Mobile, Alabama

Insurance Company Poor Fair Good
Allstate $4,400 $3,470 $2,837
Farmers $5,430 $4,681 $4,436
GEICO $3,942 $2,809 $2,541
Liberty Mutual $8,354 $5,137 $4,029
Nationwide $3,539 $2,763 $2,500
Progressive $5,839 $5,021 $4,694
State Farm $8,746 $4,417 $2,994
Travelers $4,559 $3,959 $4,038
USAA $3,097 $2,030 $1,815

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Mobile, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Mobile, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Mobile.

Annual Mobile, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,021 $3,572 $4,258 $3,425
Farmers $4,081 $5,288 $5,160 $4,868
GEICO $2,077 $3,364 $4,183 $2,765
Liberty Mutual $4,577 $6,383 $6,230 $6,169
Nationwide $2,563 $2,563 $3,745 $2,865
Progressive $4,669 $5,890 $5,055 $5,125
State Farm $4,841 $6,051 $5,325 $5,325
Travelers $3,482 $3,652 $5,369 $4,239
USAA $1,778 $2,236 $3,317 $1,924

Mobile, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Mobile, AL car insurance rates. Compare rates below to see which Mobile car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Mobile, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,258
Farmers $5,160
GEICO $4,183
Liberty Mutual $6,230
Nationwide $3,745
Progressive $5,055
State Farm $5,325
Travelers $5,369
USAA $3,317

Mobile, AL Car Insurance Rates by ZIP Code

Just like Mobile car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Mobile, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Mobile, Alabama

ZIP Code Average Annual Rates
36571 $4,195
36602 $4,314
36603 $4,304
36604 $4,315
36605 $4,318
36606 $4,320
36607 $4,268
36608 $4,302
36609 $4,212
36615 $4,342
36617 $4,321
36618 $4,295
36619 $4,296
36688 $4,335
36693 $4,164
36695 $4,273

Mobile, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Mobile, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Mobile companies based on commute time.

Annual Car Insurance Rates by Commute Length in Mobile, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,569 $3,569
Farmers $4,849 $4,849
GEICO $3,042 $3,153
Liberty Mutual $5,840 $5,840
Nationwide $2,934 $2,934
Progressive $5,185 $5,185
State Farm $5,253 $5,518
Travelers $4,186 $4,186
USAA $2,208 $2,420

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Mobile, AL Cheapest Car Insurance Rates

How do the top Mobile, Alabama car insurance companies’ average rates stack up against the Mobile average monthly car insurance rates of $346? Take a look and see.

Best Annual Car Insurance Rates by Company in Mobile, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Mobile, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Mobile, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Mobile, Alabama

Insurance Company Average Annual Rates
Allstate $3,569
Farmers $4,849
GEICO $3,097
Liberty Mutual $5,840
Nationwide $2,934
Progressive $5,185
State Farm $5,385
Travelers $4,186
USAA $2,314

Other Factors Affecting Mobile, AL Car Insurance Rates

Before you buy Mobile, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Mobile, AL Car Theft Rates

The car theft rate in Mobile, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Mobile, Alabama is 1,084 stolen cars.

Mobile, AL Commute Time

How does your Mobile, AL commute time compare with the average driver? In Mobile, the average commute is 22.1 minutes.

Mobile, AL Traffic

Spending time in Mobile traffic can lead to higher car insurance rates. According to INRIX data, Mobile, AL ranks as the 696th-most congested with traffic in the world.

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Mobile, AL Car Insurance Quotes

Compare Mobile, AL car insurance quotes from multiple companies by entering your ZIP code now.