Cheap Car Insurance in Mobile, AL

Written by Xuyun Zeng and 2 others
Updated Jul 23, 2025
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Cheap Car Insurance in Mobile, AL

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People come to Mobile for its rich cultural history, cruise port and the original Mardi Gras. But getting to and around the city can sometimes be dangerous, especially the area’s heavy annual rain.

The best way to protect yourself on the road is with a sturdy car insurance policy. Jerry can help drivers in Mobile find the best coverage based on age, zip code and driving history. Here are real Jerry quotes to help you start shopping.

Cheapest minimum coverage insurance in Mobile

These are the cheapest quotes that drivers in Mobile, Alabama, have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$31 $368 Progressive 30 February 11, 2025 Mobile, AL 36607
$32 $388 Progressive 60 June 18, 2025 Mobile, AL 36606
$33 $390 National General 69 June 13, 2025 Mobile, AL 36693
$34 $408 Progressive 44 January 24, 2025 Mobile, AL 36693
$36 $434 National General 47 April 13, 2025 Mobile, AL 36609
$37 $440 Progressive 40 April 22, 2025 Mobile, AL 36612
$38 $458 Progressive 38 June 14, 2025 Mobile, AL 36609
$40 $476 Bluefire 39 June 11, 2024 Mobile, AL 36608
$46 $546 Bluefire 35 May 1, 2024 Mobile, AL 36609
$49 $586 National General 37 June 20, 2025 Mobile, AL 36695
Last Updated Jul 24, 2025

Alabama requires drivers to have these minimum coverage levels:

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

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Mobile

According to FEMA’s National Risk Index, drivers in Mobile face high risks of flooding, tornados and hurricanes. If your car is damaged by a weather-related incident, minimum coverage will not cover you but full coverage may, as it covers damage caused by hazards including fire, collisions, vandalism, theft and inclement weather.

Here are the cheapest quotes that drivers in Mobile have received via Jerry for full coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$32 $388 Progressive 60 June 18, 2025 Mobile, AL 36606
$76 $912 Progressive 26 June 16, 2025 Mobile, AL 36608
$81 $972 Progressive 69 June 13, 2025 Mobile, AL 36693
$82 $988 Progressive 75 June 6, 2024 Mobile, AL 36605
$92 $1,104 Progressive 31 April 10, 2025 Mobile, AL 36695
$92 $1,106 Progressive 46 May 24, 2024 Mobile, AL 36609
$96 $1,150 National General 36 August 16, 2024 Mobile, AL 36609
$96 $1,156 The General 66 June 27, 2025 Mobile, AL 36604
$98 $1,178 Progressive 38 June 14, 2025 Mobile, AL 36609
$103 $1,240 The General 58 November 3, 2024 Mobile, AL 36605
Last Updated Jul 24, 2025

Estimate car insurance costs

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Mobile (18-29 years old)

Young drivers usually pay more for car insurance because they lack driving experience, which insurers view as risky. Here are the cheapest quotes that young drivers in Mobile received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$57 $686 National General 26 No November 15, 2024 Mobile, AL 36602
$59 $710 Progressive 24 No March 14, 2025 Mobile, AL 36608
$60 $718 Bluefire 26 No June 16, 2025 Mobile, AL 36608
$61 $734 National General 26 No April 3, 2025 Mobile, AL 36602
$67 $802 National General 29 No December 20, 2024 Mobile, AL 36611
Last Updated Jul 21, 2025

Cheapest car insurance for mature drivers in Mobile (30-54 years old)

Drivers between the ages 30 and 54 typically pay less than young drivers, but it’s still wise to continue rate shopping to ensure you are getting the cheapest auto insurance. Here are the cheapest quotes for mature drivers in Mobile, based on Jerry’s data.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$31 $368 Progressive 30 No February 11, 2025 Mobile, AL 36607
$36 $434 National General 47 No April 13, 2025 Mobile, AL 36609
$37 $440 Progressive 40 No April 22, 2025 Mobile, AL 36612
$38 $458 Progressive 38 No June 14, 2025 Mobile, AL 36609
$40 $476 Bluefire 39 No June 11, 2024 Mobile, AL 36608
Last Updated Jul 24, 2025

Cheapest car insurance for older drivers in Mobile (55+ years old)

Drivers who are 55 and older typically pay the cheapest rates for car insurance, but rates may start ticking upwards once drivers hit their 70s. These are the cheapest quotes that older drivers in Mobile have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$32 $388 Progressive 60 June 18, 2025 Mobile, AL 36606 Yes
$33 $390 National General 69 June 13, 2025 Mobile, AL 36693 No
$53 $638 National General 61 June 21, 2025 Mobile, AL 36605 No
$56 $674 The General 71 July 15, 2025 Mobile, AL 36608 No
$67 $808 Progressive 66 July 21, 2024 Mobile, AL 36608 No
Last Updated Jul, 2025

Cheapest car insurance for drivers with clean records in Mobile

Drivers with clean records typically pay the least for auto insurance. Below are the cheapest quotes that drivers in Mobile with clean records have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$31 $368 Progressive 30 February 11, 2025 No Mobile, AL 36607
$32 $388 Progressive 60 June 18, 2025 Yes Mobile, AL 36606
$37 $440 Progressive 40 April 22, 2025 No Mobile, AL 36612
$38 $458 Progressive 38 June 14, 2025 No Mobile, AL 36609
$40 $476 Bluefire 39 June 11, 2024 No Mobile, AL 36608
$46 $546 Bluefire 35 May 1, 2024 No Mobile, AL 36609
$49 $586 National General 37 June 20, 2025 No Mobile, AL 36695
$49 $592 Progressive 43 April 5, 2025 No Mobile, AL 36695
$52 $622 The General 33 July 15, 2025 No Mobile, AL 36608
$54 $645 Assurance America 66 July 21, 2024 No Mobile, AL 36608
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with low credit scores in Mobile

Alabama allows insurers to use your credit score to determine your premium, and having a low credit score may cause your auto insurance to cost more. Insurers weigh credit scores differently, so it’s wise to shop for a better rate to help ensure you’re paying the lowest rate. Here are the cheapest quotes from drivers in Mobile with credit scores below 550, based on Jerry’s data.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $69 $828 Progressive 71 July 15, 2025 Mobile, AL 36608
<550 $76 $910 Bluefire 25 June 15, 2025 Mobile, AL 36605
<550 $78 $932 Progressive 33 August 22, 2024 Mobile, AL 36605
<550 $79 $942 Bluefire 43 March 6, 2025 Mobile, AL 36695
<550 $79 $950 Progressive 52 March 14, 2025 Mobile, AL 36695
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Mobile

If you’ve recently been in an at-fault accident, your rates are likely to rise. Shopping for a better rate before your policy renews may help you get a cheaper premium. These are the cheapest quotes that drivers in Mobile with at-fault accidents on their records have received via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $36 $434 National General 47 No April 13, 2025 Mobile, AL 36609
At Fault With No Injury $48 $572 National General 50 No June 16, 2025 Mobile, AL 36693
At Fault With No Injury $74 $885 Trexis 35 No June 9, 2025 Mobile, AL 36619
At Fault With Injury $76 $906 National General 26 No September 19, 2024 Mobile, AL 36608
At Fault With No Injury $80 $958 National General 34 No April 4, 2025 Mobile, AL 36604
Last Updated Jul 21, 2025

Cheapest car insurance for drivers with speeding tickets in Mobile

If you’ve recently been cited for speeding, you will typically see an increase in your premium. Compare quotes before your policy renews to ensure you’re paying the lowest premium for car insurance. These are the cheapest quotes that drivers in Mobile with speeding tickets have been quoted via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $54 $642 Progressive 31 May 17, 2024 Mobile, AL 36695
Speeding under 15 $67 $802 National General 24 May 13, 2025 Mobile, AL 36609
Speeding under 15 $69 $822 Bluefire 37 October 1, 2024 Mobile, AL 36608
Speeding under 15 $96 $1,150 National General 36 August 16, 2024 Mobile, AL 36609
Speeding under 15 $102 $1,218 National General 40 September 17, 2024 Mobile, AL 36617
Last Updated Jul 22, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.