The most competitive rates for mobile insurance hinge on your driving profile and needs. Full coverage is most affordably provided by Nationwide, even for those with a speeding ticket or teenage drivers.
For individuals with an at-fault accident or DUI, Country Financial and State Farm offer the most economical options, respectively.
Members of the military and their families might find the best rates with USAA. In terms of both affordability and customer service, Cincinnati Insurance stands out as the top choice overall.
Certainly! Here’s the information presented in a table format:
| Company | Category |
|---|---|
| Cincinnati Insurance | Most Inexpensive Overall |
| Nationwide | Most Affordable Full Coverage |
| Nationwide | Most Budget-Friendly After Offense |
| Nationwide | Most Economical for Teens |
| USAA | Most Affordable for Military |
| Cincinnati Insurance | Top Overall Choice |
| Cincinnati Insurance | Optimal for Customer Service |
| Cincinnati Insurance | Finest Affordable Option |
Most Economical Basic Liability Auto Insurance in Mobile
The providers of essential coverage car insurance in Mobile with the most competitive average rates include:
Cincinnati Insurance: $236 annually Nationwide: $321 annually
Farmers stands out as the highest-cost insurance provider in the city for minimum coverage, charging approximately $591 annually.
Conversely, Cincinnati Insurance emerges as the most economical choice in Alabama, boasting an average cost of $232 per year as of October 2022.
This highlights the impact of location on insurance premiums. In Mobile, drivers face slightly elevated car insurance expenses compared to the state average.
Certainly! Here’s the information presented in a table format:
| Company | Annual Premium | Monthly Premium |
|---|---|---|
| Cincinnati Insurance | $300 | $25 |
| Nationwide | $441 | $37 |
| Country Financial | $471 | $39 |
| Travelers | $483 | $40 |
| Allstate | $490 | $41 |
| GEICO | $531 | $44 |
| State Farm | $552 | $46 |
| Auto-Owners Insurance Co | $623 | $52 |
| Progressive | $666 | $56 |
| Farmers | $727 | $61 |
Alabama mandates specific minimum coverage limits for auto insurance, addressing bodily injury liability and property damage liability.
These include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
With liability-only insurance, your vehicle lacks protection in an at-fault accident.
This coverage only handles damages to the other vehicle or individuals, within your policy limits.
For example, if your bodily injury liability coverage is $25,000 per person and $50,000 per accident, your insurer pays a maximum of $25,000 for damages to one person, up to a total of $50,000 for all persons involved.
Any amount exceeding this limit becomes your responsibility.
Most Affordable Comprehensive Auto Insurance in Mobile
The following presents the relatively most economical providers of full coverage auto insurance in Mobile:
- Nationwide: $703 annually
- Cincinnati Insurance: $760 annually
On the other hand, Progressive carries the highest average annual premium for full coverage in the city at $1,435.
As of October 2022, Cincinnati Insurance stands out as the least expensive option for full coverage insurance in Alabama, charging approximately $778 per year.
It’s noteworthy that location can play a significant role in pricing, as the cost of full coverage in Mobile is below the state average.
Additionally, for individuals in the 30-59 age group seeking full coverage, the annual and monthly premiums for various insurance providers are as follows:
| Company | Annual Premium | Monthly Premium |
|---|---|---|
| Nationwide | $703 | $59 |
| Cincinnati Insurance | $760 | $63 |
| Allstate | $817 | $68 |
| Country Financial | $851 | $71 |
| Travelers | $870 | $72 |
| GEICO | $923 | $77 |
| State Farm | $979 | $82 |
| Auto-Owners Insurance Co | $1,068 | $89 |
| Farmers | $1,095 | $91 |
| Progressive | $1,435 | $120 |
A policy is considered full coverage when it includes collision and comprehensive insurance in addition to liability coverage.
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Collision Insurance:
This coverage reimburses for damage to your vehicle resulting from an at-fault accident, such as collisions with other cars or objects like trees.
Comprehensive Insurance:
This coverage compensates for damage to your vehicle caused by events other than collisions, including fire, theft, vandalism, and natural disasters.
Evaluating your vehicle’s value is crucial when deciding whether to opt for full coverage. Older or low-valued cars may not necessitate full coverage, while newer vehicles are often recommended to have it.
Following a traffic violation in Mobile
the following companies offer the most competitively priced average auto insurance:
- Speeding Ticket: Nationwide ($859 per year)
- At-fault Accident: Country Financial ($1,157 per year)
- DUI: State Farm ($1,077 per year)
Conversely, Progressive emerges as the most expensive on average, charging $1,878 per year for those with a speeding ticket and $2,562 per year for individuals with an at-fault accident.
Auto-Owners Insurance Co takes the lead for DUI cases, with an annual cost of $2,244.
A history of poor driving can significantly impact your premium, and even the most affordable rate for drivers with a compromised record is seldom competitive with rates for safe drivers.
For individuals in the 30-59 age group seeking full coverage after a speeding incident, the following details apply.
Here’s the information presented in a different way:
| Company | Annual Premium | Monthly Premium |
|---|---|---|
| Nationwide | $859 | $72 |
| Cincinnati Insurance | $906 | $76 |
| Allstate | $922 | $77 |
| State Farm | $1,077 | $90 |
| GEICO | $1,098 | $92 |
| Country Financial | $1,140 | $95 |
| Auto-Owners Insurance Co | $1,209 | $101 |
| Travelers | $1,230 | $103 |
There is a general tendency to pay higher auto insurance rates (though it’s not guaranteed) for more serious offenses.
For instance, the difference in average rates between individuals with a speeding ticket and those with a DUI in Mobile is approximately $445 annually.
A DUI significantly raises insurance costs compared to a speeding ticket.
However, even with any driving offense, it’s still possible to identify the most affordable insurance company for individuals with a less-than-ideal driving record.
Most Affordable Auto Insurance in Mobile for Teenagers and Their Families On average
The companies providing the most budget-friendly coverage in Mobile for teenage drivers on a family plan include:
- Nationwide: $1,540 per year for female teens; $1,681 per year for male teens
- Allstate: $2,021 per year for female teens; $2,132 per year for male teens
Auto-Owners Insurance Co is the costliest in Mobile for female teens, charging approximately $4,006 per year, while Progressive tops the list for male teens at around $4,212.
Generally, the insurance industry perceives boys as a higher risk, leading to higher premiums compared to girls. However, this gap tends to narrow as both groups age.
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Here’s a different representation of the information:
| Company | Family Plan Annual Premium | Individual Plan Monthly Premium |
|---|---|---|
| Nationwide | $1,540 | $5,926 |
| Allstate | $2,021 | $8,369 |
| GEICO | $2,093 | $11,245 |
| Travelers | $2,338 | $6,936 |
| State Farm | $3,117 | $8,631 |
| Farmers | $3,170 | $15,422 |
| Progressive | $3,823 | $17,460 |
| Auto-Owners Insurance Co | $4,006 | $8,697 |
Teenagers in Mobile face significantly higher auto insurance costs when obtaining individual policies.
On average, a 16-year-old male teen in Mobile pays approximately $5,869 annually for an individual policy. Opting for a family policy reduces the cost by around $3,100.
Therefore, it’s advisable to seek the most economical auto insurance for teens, whether they are added to a family policy or not.
Most Affordable Auto Insurance in Mobile for Military Personnel On average, active or veteran military families in Mobile may find the most favorable rates on auto insurance from the following companies:
- USAA: $652 per year
- Nationwide: $703 per year
For full coverage, the rates mentioned above apply. However, for minimum coverage in Mobile, the least expensive car insurance for military personnel is offered by Cincinnati Insurance at approximately $236 per year, followed by USAA at roughly $285 annually.
For individuals in the 30-59 age group seeking full coverage, the annual and monthly premiums for various insurance providers are as follows:
| Company | Annual Premium | Monthly Premium |
|---|---|---|
| USAA | $652 | $54 |
| Nationwide | $703 | $59 |
| Cincinnati Insurance | $760 | $63 |
| Allstate | $817 | $68 |
| Country Financial | $851 | $71 |
| Travelers | $870 | $72 |
| GEICO | $923 | $77 |
| State Farm | $979 | $82 |
| Auto-Owners Insurance Co | $1,068 | $89 |
| Farmers | $1,095 | $91 |
| Progressive | $1,435 | $120 |
How to Evaluate Affordable Car Insurance Quotes in Mobile Online Obtaining accurate online car insurance quotes in Mobile typically requires about 15 minutes for each insurance company, involving the provision of significant personal information.
However, MoneyGeek’s auto insurance calculator can offer a preliminary estimate of your auto insurance costs from various companies within minutes, using fundamental details such as age, vehicle make and model, coverage preferences, and driving history.
Auto Insurance Calculator
Explore the variation in Average Annual Auto Insurance Rates based on selected options.
- Vehicle Type: Compact
- Vehicle Year: 2020
- Credit Score: Excellent
- Liability Coverage: State Minimum
- Comprehensive and Collision Insurance: None
- Average Annual Auto Insurance Rates
Click on the section of the wheel within your budget to view available options.
- $475 (low end)
- $705 (on average)
- $1,063 (high end)
Click on an insurer below to visit their review page or proceed to your customized quote.
| Company | Average Annual Rates |
|---|---|
| 1. USAA | $319 |
| 2. GEICO | $441 |
| 3. Country Financial | $515 |
| 4. Allstate | $541 |
| 5. Travelers | $562 |
Top-Rated Car Insurance in Mobile: Overview
Your preferences regarding cost, service, and other factors will play a crucial role in determining the most suitable auto insurance policy and provider for your needs. MoneyGeek’s recommendations in Mobile include:
- Best Overall: Cincinnati Insurance (MoneyGeek score of 86 out of 100)
- Best for Service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
- Best Affordable Option: Cincinnati Insurance (MoneyGeek score of 89 out of 100)
The MoneyGeek score for a company may vary based on the weighting of different factors.
Location is another significant consideration when selecting an insurer, but Cincinnati Insurance consistently ranks as the top car insurance provider in most areas of Alabama.
Another reliable choice is USAA, a company that caters specifically to military members and veterans, earning a MoneyGeek score of 85 out of 100.
Top Pick for Car Insurance in Mobile MoneyGeek recommends considering the following auto insurers in Mobile:
- Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($760 per year)
- Country Financial: MoneyGeek score of 75 out of 100 ($851 per year)
Cincinnati Insurance stands out with competitive advantages such as low rates and high customer satisfaction.
The overall satisfaction of a policyholder is typically tied to both pricing and service quality. Military members may find USAA insurance appealing, with a MoneyGeek rating of 85 out of 100.
The MoneyGeek score for the Best Overall category was computed using the following weightings:
- General customer satisfaction (35%)
- Affordability (30%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
Top Car Insurance in Mobile for Customer Service
Excluding the influence of pricing, the following auto insurance companies stand out in Mobile based on their exceptional customer service:
- Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($760 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($1,068 per year)
Considering Cincinnati Insurance’s stellar track record in customer service and commendable claims settlement, opting for it as your auto insurance provider in Mobile appears to be a prudent choice.
The insurer’s affordability further ensures that policyholders need not compromise on service quality to secure an economical policy.
Average Auto Insurance Expense in Mobile
According to MoneyGeek’s findings, the typical cost of a full coverage auto insurance policy in Mobile, Alabama, stands at $950 per year.
This figure is approximately $40 higher than the statewide average in Alabama but notably $355 less than the national average as of October 2022.
The coverage limits for this full coverage policy include $300,000 in bodily injury liability per accident, $100,000 in bodily injury liability per person, and $100,000 in property damage liability coverage.
It’s essential to note that insurers take various factors into account beyond location when determining premium rates.