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Do you need auto insurance in Mobile, AL? At AutoInsuranceEZ.com, you will discover the best insurance rates in your town. To obtain free car insurance quotes from the best providers today, key your zip code into the quote box on this page.

Its advantageous location on the Gulf of Mexico makes Mobile an important port for the shipping industry and sea craft construction. From a military standpoint, Mobile faired prominently in both World Wars as well as the American Civil War. During the colonial period, many different cultures and nationalities called Mobile their home; this is still reflected today in the art and culture of the city today. Mobile has a fine balance of historical reverence and metropolitan growth.

  • Fun Fact: Did you know that Mobile, AL is #3 on the list of “Top 101 cities with the highest average yearly precipitation (population 50,000+)”?

Auto Insurance Coverage Requirements in Alabama

Mobile drivers must adhere to the state mandatory minimums, which are the following:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Drivers should keep in mind that Liability is an extremely limited form of coverage. Your company will only pay out claims if the accident is deemed your fault (or something you are liable for). Anything else – whether you’re a hit-and-run victim, or the victim of theft – will not be covered by your policy. To verify you’re still receiving the cheapest rate, compare cheap Alabama auto insurance quotes online.

The statewide average for Alabama motorists can be as high as $174 per month. However, under certain circumstances, Mobile drivers could get a rate as low as $38/month* under the right factors. It all depends on things such as your driving record, your credit score, and what type of vehicle you want to insure.

Average Monthly Auto Insurance Premiums Legend: Mobile Farmers State Farm Allstate ALFA Nationwide 5 10 15 20 25 30 35 40 45 $34 $36 $45 $31 $43

 

If all you want is a low monthly rate, it seems as though Farmers or ALFA are your best bet. However, a low monthly premium could cost you more money in the long run if your provider doesn’t offer good customer service, a simple claims process, or raises your rates at a later date.

Auto insurance companies consider several variables when determining insurance quotes, including driving violations, accident claims, occupation, miles driven each year, and business use of the vehicle. Also keep in mind that premiums vary from company to company.

Major Car Insurance Factors in Mobile

There are numerous ways in which your car insurance rate can be estimated. But not all of it is out of your control; there are steps you can take to be able to impact what discounts you are eligible to obtain. The following are some of these factors in greater detail:

  • Your Zip code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Mobile is 194,899 and the average household income is $36,150.

Auto Insurance by Zip Code Legend: Tuscaloosa Montgomery Mobile Huntsville Birmingham Farmers State Farm Allstate ALFA Nationwide 5 10 15 20 25 30 35 40 45 $27 $30 $34 $25 $31 $33 $33 $36 $36 $43 $40 $39 $45 $41 $45 $29 $30 $31 $28 $32 $40 $43 $43 $39 $41

 

  • Automotive Accidents

High accident rates in your zip code could equal higher premiums each month. Compared with the national average, Mobile’s fatal accident statistics are fairly low, as you can tell from looking at the chart below.

Fatal Accidents in Mobile, AL Legend: Mobile Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 10 20 30 40 50 60 27 41 6 27 60 11

 

  • Auto Thefts

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Mobile was 681 back in 2013, which is an increase from the previous year. The only type of automotive insurance which protects against vehicle theft is Comprehensive coverage – but it’s a bit more costly.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Allstate ALFA Nationwide 10 20 30 40 50 60 70 80 90 100 110 $34 $85 $36 $106 $45 $118 $31 $117 $43 $94

 

  • Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Allstate ALFA Nationwide 10 20 30 40 50 60 70 80 $28 $73 $26 $83 $36 $71 $30 $52 $40 $59

 

  • Your Age

Young drivers are statistically more likely to cause car accidents than any other type of driver. Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Allstate ALFA Nationwide 20 40 60 80 100 120 140 160 180 200 220 240 $34 $252 $36 $86 $45 $196 $31 $61 $43 $90

 

  • Your Driving Record

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Allstate ALFA Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 $34 $49 $57 $54 $36 $40 $40 $45 $45 $49 $58 $62 $31 $33 $42 $35 $43 $43 $64 $59

 

  • Your Vehicle

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Allstate ALFA Nationwide 10 20 30 40 50 60 70 80 90 100 110 120 130 $34 $125 $36 $132 $45 $117 $31 $116 $43 $109

 

Minor Car Insurance Factors in Mobile

Sometimes, there are factors which can influence your monthly premium in ways you might not expect. Some of them are:

  • Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

  • Your Gender

Gender has almost no substantial influence on your monthly rate. Many companies don’t charge different premiums based on gender at all. And those for those that still do, the rate rarely fluctuates beyond a 2-3% price difference.

  • Your Driving Distance to Work

Traffic in Mobile can get pretty hairy, with the average motorist spending over 30 minutes in traffic each way. Despite the horrible work commute, only about 12% of workers carpool to the office each day.

Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won’t save you much on your monthly rates. The only thing which will influence your price is whether or not you designate your vehicle as “for business” use. Business vehicles are typically charged 10-12% more each month.

  • Your Coverage and Deductibles

Getting all the coverage you need can be expensive. That’s why some companies will charge you less per month if you agree to raise your deductible. However, be sure to save a little money away in case of an emergency if you choose to go this route.

  • Education in Mobile, AL

Forget about your income or your profession – the key to saving money on your insurance premiums has to do with your education. Most drivers in Mobile have a high school diploma or less when it comes to their education. If you’ve been thinking about going back to school, it may provide more benefits than you’d think, since drivers with higher levels of education typically get charged cheaper rates on their car insurance.

Within the Mobile city limits there are both private and public institutions for higher education. Many of the private institutions, such as The University of Mobile and Spring Hill College, are oriented with strong religious organizations. The University of South Alabama is a popular choice with more than 13,000 students enrolled. There are also a variety of technical schools and also a school for aviation.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

How We Conducted our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Alabama Department of Insurance

Alabama Department of Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Find Companies that Offer Lowest Rates on Auto Insurance in Mobile, AL by filling in some information below.

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