Cheap Car Insurance in Mobile, AL

Written by Xuyun Zeng and 2 others
Updated Mar 5, 2025
Insurance price card

Cheap Car Insurance in Mobile, AL

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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
$38 $456 National General 52 March 31, 2025 Mobile, AL 36693
$47 $564 Trexis 58 January 20, 2024 Mobile, AL 36605
$48 $580 Progressive 33 May 22, 2025 Mobile, AL 36608
$53 $638 Bluefire 41 September 20, 2024 Mobile, AL 36618
$54 $642 Bluefire 38 April 23, 2025 Mobile, AL 36606
$56 $666 Bluefire 35 December 18, 2024 Mobile, AL 36609
$57 $688 Trexis 49 February 2, 2024 Mobile, AL 36605
$59 $706 Bluefire 59 April 14, 2025 Mobile, AL 36609
$62 $748 Trexis 41 August 31, 2024 Mobile, AL 36608
$63 $760 National General 41 May 2, 2025 Mobile, AL 36605
Last Updated May 26, 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
$71 $854 The General 35 May 22, 2025 Mobile, AL 36609
$73 $878 Bristol West 56 December 27, 2024 Mobile, AL 36693
$86 $1,028 Bristol West 52 January 1, 2025 Mobile, AL 36612
$87 $1,042 Progressive 53 March 22, 2025 Mobile, AL 36608
$90 $1,076 Assurance America 25 April 18, 2024 Mobile, AL 36695
$100 $1,202 The General 69 February 4, 2025 Mobile, AL 36610
$101 $1,212 Progressive 39 November 7, 2024 Mobile, AL 36609
$102 $1,224 Bristol West 48 April 4, 2025 Mobile, AL 36609
$102 $1,226 Progressive 24 December 6, 2024 Mobile, AL 36609
$104 $1,244 Assurance America 65 April 16, 2025 Mobile, AL 36619
Last Updated May 26, 2025

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
$67 $802 National General 29 No December 20, 2024 Mobile, AL 36611
$68 $816 National General 24 No November 4, 2024 Mobile, AL 36618
$74 $892 Bristol West 27 No February 28, 2025 Mobile, AL 36609
$75 $904 The General 25 No April 28, 2025 Mobile, AL 36609
$76 $910 Assurance America 25 No February 16, 2024 Mobile, AL 36608
Last Updated May 26, 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
$38 $456 National General 52 No March 31, 2025 Mobile, AL 36693
$48 $580 Progressive 33 No May 22, 2025 Mobile, AL 36608
$53 $638 Bluefire 41 No September 20, 2024 Mobile, AL 36618
$54 $642 Bluefire 38 No April 23, 2025 Mobile, AL 36606
$56 $666 Bluefire 35 No December 18, 2024 Mobile, AL 36609
Last Updated May 26, 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
$47 $564 Trexis 58 January 20, 2024 Mobile, AL 36605 No
$59 $706 Bluefire 59 April 14, 2025 Mobile, AL 36609 No
$73 $878 Bristol West 56 December 27, 2024 Mobile, AL 36693 Yes
$81 $976 Bluefire 72 October 25, 2024 Mobile, AL 36609 No
$90 $1,085 National General 75 June 6, 2024 Mobile, AL 36605 No
Last Updated May 26, 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
$38 $456 National General 52 March 31, 2025 No Mobile, AL 36693
$47 $564 Trexis 58 January 20, 2024 No Mobile, AL 36605
$48 $580 Progressive 33 May 22, 2025 No Mobile, AL 36608
$54 $642 Bluefire 38 April 23, 2025 No Mobile, AL 36606
$56 $666 Bluefire 35 December 18, 2024 No Mobile, AL 36609
$57 $688 Trexis 49 February 2, 2024 No Mobile, AL 36605
$62 $748 Trexis 41 August 31, 2024 No Mobile, AL 36608
$63 $760 National General 41 May 2, 2025 No Mobile, AL 36605
$66 $794 National General 36 November 6, 2024 No Mobile, AL 36619
$66 $796 National General 32 April 30, 2025 No Mobile, AL 36619
Last Updated May 26, 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 $38 $456 National General 52 March 31, 2025 Mobile, AL 36693
<550 $54 $642 Bluefire 38 April 23, 2025 Mobile, AL 36606
<550 $57 $688 Trexis 49 February 2, 2024 Mobile, AL 36605
<550 $72 $860 Bluefire 35 March 29, 2025 Mobile, AL 36618
<550 $75 $904 The General 25 April 28, 2025 Mobile, AL 36609
Last Updated May 26, 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 $53 $638 Bluefire 41 No September 20, 2024 Mobile, AL 36618
At Fault With No Injury $59 $706 Bluefire 59 No April 14, 2025 Mobile, AL 36609
At Fault With No Injury $73 $878 Bristol West 56 Yes December 27, 2024 Mobile, AL 36693
At Fault With No Injury $74 $892 Bristol West 27 No February 28, 2025 Mobile, AL 36609
At Fault With No Injury $75 $904 The General 25 No April 28, 2025 Mobile, AL 36609
Last Updated May 26, 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 $89 $1,062 Trexis 37 October 1, 2024 Mobile, AL 36608
Speeding under 15 $100 $1,198 First Acceptance 40 September 17, 2024 Mobile, AL 36617
Speeding under 15 $124 $1,490 Progressive 28 March 27, 2025 Mobile, AL 36618
Speeding under 15 $125 $1,498 Bluefire 25 August 26, 2024 Mobile, AL 36609
Speeding under 15 $148 $1,771 Progressive 31 June 2, 2024 Mobile, AL 36608
Last Updated May 26, 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
meet-experts-thumbnail
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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds 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.