Cheapest Car Insurance In Mobile, AL

After some extensive research, our team reviewed over 60 separate quotes from the nation’s top insurance providers, State Farm consistently came out on top as the cheapest car insurance company for drivers in Mobile, Alabama. While State Farm had the cheapest rates for minimum coverage, full coverage, and motorists with violations, we also found that numerous other companies offered affordable rates.

For instance, we found that Travelers Insurance was the least expensive for young drivers, and Assurance America ranked the most affordable for senior drivers. Additionally, drivers with a bad credit history can find the best rates with Nationwide, whereas USAA was the best choice for active and retired military members.

In the last five years, Mobile, Alabama, has seen huge growth within the private sector. With more people relocating to the area for work, it’s imperative to have an understanding of the city’s average auto insurance rates and compare them with other regions in the state.

An example being, the average monthly cost for a car insurance policy in Mobile is $252, while the average in the entire state is only $185. Although Mobile’s average car insurance plan is significantly more expensive than other cities in Alabama, there are many ways of finding cheaper coverage.

In this review, we’ll take a detailed deep dive into a select few insurers in Mobile, to find the cheapest rates and explore how various criteria, including credit, age, and driving record, can impact the amount you pay each month.

Cheapest Overall Rates in Mobile

As time passes, a lot of drivers will likely receive a minor driving violation, at the very least. This could be for speeding, or not coming to a complete halt at a stop sign. These minor incidents will not have a huge impact on your car insurance premium, however, if these minor incidents mount up over a short period, then you could see an increase in your rates.

Other incidents that considered to be major offenses, including DUIs, reckless diving, and at-fault car wrecks, will have a significant impact on your monthly rates. This is primarily down to the provider now seeing a driver as more of a risk.

If a driver is particularly risky when on the road, then chances are that they are more likely to be involved in an accident, and therefore more likely to file a claim.

Cheapest Rates for Motorists with Driving Violations in Mobile

A lot of drivers can assume that minimum coverage covers all expenses in an accident – whether it’s with another automobile or personal property. It’s important to know that minimum coverage will only cover the other person involved, and their property – not you or your vehicle.

Opting for a full, comprehensive coverage will provide drivers with an added layer of protection that covers any expenses that relate to both you and your vehicle.

Full, comprehensive coverage auto insurance policies will include the following four protections:

• Property damage liability
• Bodily injury liability
• Comprehensive and collision
• Roadside assistance or rental car reimbursement

Cheapest Full Coverage Rates in Mobile

If you’re planning on buying a minimum coverage policy, keeping Alabama’s legal limits at the forefront of your mind is a good idea. Below is a list of the things that you should ensure are included in your policy:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one accident
• $25,000 maximum for property damage per accident

Drivers who fail to maintain the above minimums could face fines of up to $400 for multiple offenses.

Cheapest Minimum Coverage Rates in Mobile

When you’re a young driver who’s just got their driver’s license, it can be an incredibly exciting time – if a little overwhelming. With this newfound freedom, comes great responsibility of managing an automobile safely while on the road.

Many providers increase their rates for young drivers, mainly because of their lack of experience behind the wheel.

Overtime, as younger drivers gain more experience on the road, and maintain a clean record, insurers calculate a more accurate risk assessment, which tends to mean rates will be lower as you age.

Cheapest Rates for Young Drivers in Mobile

Many seniors may find it difficult to access their account information, however, with Assurance America, there are several ways for them to do this, including speaking with a representative of the company. We’ve heard nothing but rave reviews from customers who spoke highly of their politeness and friendly customer service team.

As well as easily accessible account information, many senior drivers are on a fixed income which means they need an affordable premium. Thankfully, many insurance providers offer a special discount that helps to keep costs down as drivers get older.

Cheapest Rates for Senior Drivers in Mobile

Average cost of car insurance in Mobile, Alabama

Average cost in Mobile – By Age

Average cost in Mobile – By Gender

Average cost in Mobile – Marital Status

Average cost in Mobile – By Accident and Violation History

Average cost in Mobile – By Credit Tier

Average cost in Mobile – By Zip Code

Minimum car insurance requirements in Alabama

Each state has requirements for a driver’s minimum auto insurance to operate a vehicle legally. For Alabama drivers, the requirements for minimum car insurance include the following:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one incident
• $25,000 maximum for property damage per incident

While the majority of providers will include these coverage amounts in your standard policy, it’s still a good idea to go through the terms of your agreement before accepting.

How to buy car insurance in Mobile

Many people may assume that buying car insurance is a complicated and time-consuming process. However, most drivers can find a policy within a matter of minutes when utilizing sites such as like Insuranceopedia to compare free quotes.

Listed below are some essential steps when buying a car insurance policy in Mobile.

Step 1: Gather Information

You can complete the information step during the purchasing process, however, it’s always easier to make sure you have it all beforehand. The information that you’ll be required to provide includes:

• Driving history for all drivers who will be on the plan
• Information regarding your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
• Driver’s license numbers for all policy members
• Name and birthdate of all policy members
• Information on the current insurer, if you’re switching carriers

Step 2: Be Aware Of Your Coverage Needs

For drivers in Mobile, the state of Alabama requires that each motorist carry a policy that has the following minimums:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one incident
• $25,000 maximum for property damage per incident

Make a note of these numbers and keep them in mind as you carry on through the steps of buying a policy. The state of Alabama could issue you a fine for driving without proper insurance and minimum coverage.

Step 3: Select a Purchasing Method

Nowadays, many people will shop online for their insurance as it’s often the easiest method. It also allows a consumer to compare a few different offers without the pressure of an agent. While this may be true, there are some benefits to doing things the old-fashioned way.

For example, working with an insurance agent allows you to ask any burning questions and receive an answer instantly. While many insurers have a chat feature on their site, you may have to wait for the information you need in order to proceed with a policy.

Regardless of which method you go for, whether its online or through an agent, choosing the policy that’s best suited to you and your current situation is what’s most important.

Step 4: Compare Auto Insurance Policies

It’s often easy to simply opt for the first quote you get from an insurance agency. However, collecting at least three quotes from different insurers is always worth doing. With more quotes, you can compare their premiums and review the types of discounts you qualify for from each provider.

Step 5: Purchase Your New Auto Insurance Policy

The final step is purchasing. You’ll need to buy your new policy and close any open ends at this step.

For example, if you’re replacing coverage, you’ll want to contact your previous insurer and have them cancel your car insurance policy after the new plan has become active.

Factors that impact the cost of your policy in Mobile

There are several factors that will play a role in determining your monthly insurance rates. For example, your location is often a criterion that can have an impact on your rates.

The insurance company could deem your location high-risk depending on which zip code you live in or where your car is parked. In these particular zones, car theft and vandalism are often more likely to take place, so insurance rates are generally a little higher.

Along with location, several other factors affect the cost of car insurance, including:

• Age
• Gender
• State Insurance Requirements
• Driving Record
• Vehicle Type
• Average Annual Mileage
• Credit History
• Marital Status

Alabama car insurance laws to be aware of

Alabama’s most important car insurance law is the minimum liability coverage of 25/50/25. Drivers must carry an insurance plan with a minimum of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

These coverage levels are a good way of protecting other drivers, however, it will not cover you or your vehicle. To guarantee full protection for you and your vehicle, you’ll need additional insurance such as comprehensive or collision coverage.

In the news

• Automobile insurance experts predict insurance rates to rise by 7 percent throughout Alabama, affecting cities such as Mobile
• State Farm could stop offering coverage for certain Kia and Hyundai vehicles due to likelihood of theft within the area

Information about Mobile

Mobile, Alabama is a vibrant coastal town, which was once referred to as the Paris of the South. With an interesting history that spans 300 years, there are lots of traditions that are celebrated on a regular basis.

Both Mobile and Mobile County have a combined population of over 410,000. The city of Mobile is the 4th most populated city in the whole of Alabama, with almost 200,000 residents. Mobile is also the oldest city in Alabama and is the home of America’s Original Mardi Gras. With its close proximity to the Gulf of Mexico along with Mobile Bay, Mobile has the 13th busiest port in the whole of the U.S.

Car insurance discounts in Mobile

As well as seeking affordable policies, drivers are encouraged to take advantage of any discounts available that could help save you money. Listed below are some of the discounts to keep in mind when looking to purchase your next insurance:

• Safe driver
• Low mileage
• Accident-free
• Defensive driving
• Good student
• Student away
• Senior
• Military
• Multi-policy
• Multi-vehicle
• Paid in full