Can I get State Farm in Mobile, AL?

While you can find auto insurance coverage from State Farm in Mobile, AL, rates are high. Alabama only requires drivers to carry $25,000 in liability coverage, but drivers are encouraged to raise limits and add coverage to be fully protected. Take advantage of State Farm auto insurance discounts and the Drive Safe & Save program to get the lowest rates possible.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 15, 2022

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Can't-Miss Facts

  • State Farm is available in Mobile, AL.
  • Auto insurance rates from State Farm are the second-highest in Mobile, AL.
  • Save money by adding discounts and trying the State Farm Drive Safe & Save program.

State Farm is widely available and offers multiple types of insurance. However, auto insurance rates from State Farm in Mobile, AL are very high.

Although Alabama only requires a limited amount of liability coverage, drivers are encouraged to add coverage and increase limits to protect themselves better.

Drivers with State Farm auto insurance can lower rates by taking advantage of discounts and trying State Farm’s telematics program that offers savings based on driving behaviors.

Read our State Farm Auto Insurance Review to learn more about the company, as well as what coverages are offered.

Keep reading to learn more about State Farm in Mobile, AL. But, before you begin, enter your ZIP code to compare free auto insurance quotes from companies in Mobile, AL.

Can drivers get State Farm insurance in Mobile, AL?

State Farm is available in Mobile, AL. In addition, State Farm is available in all 50 states and the District of Columbia. State Farm offers multiple types of insurance and meets Alabama auto insurance requirements.

While Alabama drivers have to carry at least $25,000 in bodily injury and property damage liability, State Farm offers much more. Additional auto insurance such as collision, comprehensive, roadside assistance, and rental car coverages are available.

In addition, State Farm offers other policies such as homeowners, renters, and life insurance. As a result, you can earn a multi-policy discount by keeping all your insurance needs with State Farm.

Although there are State Farm agents in Mobile, AL, you can also sign up for coverage and maintain your policy online, through the app, or by calling customer service. The State Farm phone number is 1-800-782-8332.

Your State Farm login not only allows you to access your policy, but you can also use it to start an accident claim. In addition, if you want to speak with someone to file your claim, the State Farm claims number is the same as customer service.

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What are auto insurance rates from State Farm in Mobile, AL?

While State Farm is one of the top auto insurance companies in the country, rates leave a lot to be desired. In fact, it is the second-highest insurer in Mobile.

Alabama only required drivers to carry liability insurance, but the coverage is minimal. In addition, liability-only coverage doesn’t protect your vehicle if it’s damaged. Experts agree that you should consider adding full coverage to avoid high out-of-pocket costs.

This table shows average annual rates from top companies in Mobile, AL, based on coverage.

Auto Insurance Rates by Coverage Type in Mobile, AL
CompanyLowMediumHighAverage
USAA$2,223.52$2,300.38$2,417.93$2,313.94
Nationwide$2,912.50$2,911.30$2,978.34$2,934.05
GEICO$2,844.81$3,084.45$3,363.11$3,097.46
Allstate$3,432.19$3,562.06$3,712.64$3,568.96
Travelers$3,960.45$4,269.18$4,327.02$4,185.55
Farmers$4,544.22$4,777.12$5,225.68$4,849.01
Progressive$4,605.82$5,157.39$5,790.61$5,184.61
State Farm$5,075.09$5,381.61$5,699.72$5,385.47
Liberty Mutual$5,541.25$5,809.07$6,169.26$5,839.86

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State Farm’s average liability-only rates are $425 a month, and full coverage is around $475 a month. However, full coverage offers much more protection.

Full coverage auto insurance consists of liability, collision, and comprehensive coverage. Each part offers very different protection.

Liability coverage pays for bodily injuries and property damage to others if you cause an accident. Unfortunately, your vehicle is not covered at all.

On the other hand, collision pays for damages to your vehicle if you cause an accident.

Comprehensive pays for vehicle damages not related to an accident. These damages can include fire, vandalism, theft, and acts of nature like hail.

You should also consider adding uninsured/under-insured motorist coverage. This coverage pays for damages to your vehicle if a driver hits you with either no insurance or not enough coverage.

According to the Insurance Information Institute, almost 20% of Alabama drivers are uninsured. So, if you are hit by one of those drivers, you can be left with high out-of-pocket costs.

How can drivers save money on auto insurance from State Farm in Mobile, AL?

Drivers who use State Farm auto insurance in Mobile, AL, can find easy ways to lower rates and keep the insurance coverages they want.

First, take advantage of State Farm auto insurance discounts. Drivers can find a multitude of discounts based on how they drive, what types of policies they have, and what features are on their vehicles.

This table shows auto insurance discounts offered by State Farm. The savings amount is listed if it is available.

State Farm Auto Insurance Discounts
Auto Insurance DiscountsState Farm (%)
Anti-lock Brakes5
Anti-Theft15
Claim Free15
Defensive Driver5
Distant Studentx
Driver's Ed15
Driving Device/App50
Good Creditx
Good Student25
Homeowner3
Low Mileage30
Marriedx
Militaryx
Multiple Policies17
Multiple Vehicles20
Newer Vehicle40
Paperless/Auto Billing$2
Passive Restraint40
Safe Driver15
Vehicle Recovery5

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While State Farm might not have as many discounts as other auto insurance companies, you can bundle any savings you are eligible for to keep rates low.

Next, lower coverages and raise deductibles. Remember, while this will lower your rates, you will be left paying more yourself if your vehicle is damaged.

Finally, try the Drive Safe & Save program. State Farm uses telematics to monitor driving behaviors and offers a discount based on how well you score.

The telematics program looks at safe driving issues, such as speeding and distracted driving. While good driving habits will earn you a discount, bad driving won’t cause your rates to increase.

State Farm in Mobile, AL: The Bottom Line

When it comes to State Farm in Mobile, AL, coverage is easy to find. State Farm offers many more insurance choices than just the Alabama mandatory coverage.

Not only can drivers get liability, collision, and comprehensive insurance, but they can also bundle their auto policy with homeowners, renters, or other coverages.

However, State Farm auto insurance rates in Mobile are very high. Add discounts and take advantage of the Drive Safe & Save program to save money.

You should also shop around to get the lowest auto insurance rates for you. Compare rates and discounts from multiple companies to find your best deal.

We hope you have learned all you need to know about State Farm in Mobile, AL. Before you go, enter your ZIP code to compare auto insurance quotes from companies near you for free.

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