Mobile, AL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Mobile.
How much does auto insurance cost in Mobile?
The average cost of auto insurance in Mobile is $796 per six-months. That's pricier than the average across Alabama ($725) and more costly than the national average of $1093. Our guide to Mobile auto insurance includes average rates based on age, credit score, and other factors in Mobile. Read on to learn more!
| Car insurance in Mobile vs. Alabama | Average 6 Mo. Premium |
|---|---|
| Mobile average | $796 |
| Alabama average | $725 |
The Zebra's key takeaways about car insurance in Mobile:
- The average cost of a car insurance policy in Mobile is $796 per six-month policy — $132 per month.
- The cheapest company in Mobile is USAA ($508).
- 32% of Zebra customers in Mobile stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Mobile car insurance rates by company
The best way to save on auto insurance is to compare rates from as many car insurers as possible, selecting the provider from which you receive the most affordable quote. In Mobile, USAA offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Mobile. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $508 |
| GEICO | $524 |
| Allstate | $817 |
| Alfa | $883 |
| Progressive | $909 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Mobile.
Mobile auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 26% of Mobile drivers. The age group that enjoys the lowest auto insurance rates in Mobile are drivers in their 50s, who pay an average of $711 per six-months. Drivers in their 60s pay marginally higher rates — $726.
Teenage drivers pay Mobile's most expensive insurance rates. When Mobile drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Mobile is $4,337. That's the biggest gap in premiums between any pair of age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,307 |
| 20s | $1,139 |
| 30s | $783 |
| 40s | $759 |
| 50s | $711 |
| 60s | $726 |
| 70s | $867 |
Mobile car insurance rates by credit score
A driver's credit level can be closely correlated with their auto insurance rates. In fact, Mobile drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 63% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Mobile, improving your credit to "Fair" could help you earn $748 in savings on insurance premiums each year. Our data tells us 42% of drivers in Mobile have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,732 |
| Fair | $983 |
| Good | $796 |
| Very Good | $715 |
| Exceptional | $636 |
Mobile car insurance rates by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Mobile, a reckless driving citation results in an average insurance rate increase of $967 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,010 increase and a speeding ticket triggers a $255 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,301 |
| Reckless Driving | $1,279 |
| At-fault Accident (damages < $1,000) | $1,075 |
| At-fault Accident (damages greater than $2,000) | $1,152 |
| Speeding Ticket (16-20 mph over speed limit) | $923 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.