Mobile, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Mobile, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Auto Insurance Rates in Mobile, AL
The average cost of car insurance in Mobile, AL is $1,440 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.
The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.
Based on deductibles
To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Mobile, AL can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Mobile car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Mobile this difference is $965 and $815 respectively.
Auto Insurance Cost in Auburn Based on deductibles in nearby cities
Multi Car Insurance Rates
Mobile, AL car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Mobile car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Mobile, insurance companies provide $374 and $562 off on 2 vehicles bundle and 3 vehicles bundle respectively. One can save $749 on auto insurance by bundling 4 vehicles in Mobile.
Based on the credit score
In most of the states credit score is a major rating factor. Car owners with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Mobile car owners with a good credit score of 800 or more pay only $1235 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2349.
Based on age of the car owner
Teenagers and young residents of Mobile pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Mobile is $4673 while 30-50 year olds can expect to find cheaper rates at less than $1425-$1270 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.
Factors that can influence the cost of car insurance in Mobile, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Mobile, AL Auto Insurance Rates
- Mobile, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Mobile, AL
- Multi Vehicle Insurance Savings in Mobile, AL
- How Credit Score Affects Car Insurance Rates in Mobile, AL
- How DUI Affects Auto Insurance Premiums in Mobile, AL
- How Driving Violations Affect Auto Insurance Rates in Mobile, AL
- Mobile, AL Auto Insurance Discounts on Anti Theft Feature
- Mobile, AL Auto Insurance Company Reviews
Mobile, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Mobile, AL with that of other cities in and around Mobile.
| Mobile | Satsuma | Axis | Prichard | Creola | Mobile County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,440 | $1,483 | $1,445 | $1,389 | $1,442 | $1,452 |
Mobile, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Mobile, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Mobile | $965 | $815 |
| Chickasaw | $1,404 | $1,186 |
| Prichard | $1,418 | $1,198 |
| Saraland | $2,167 | $1,830 |
| Satsuma | $1,723 | $1,456 |
| Creola | $2,474 | $2,090 |
| Mobile County | $1,176 | $994 |
| Axis | $1,495 | $1,262 |
Mobile, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Mobile, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,673 |
| 20 Years | $1,850 |
| 30 Years | $1,425 |
| 40 Years | $1,371 |
| 50 Years | $1,270 |
| 60 Years | $1,287 |
| 70 Years | $1,499 |
Mobile, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Mobile, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,506 | $374 |
| 3 Vehicles | $3,758 | $562 |
| 4 Vehicles | $5,011 | $749 |
Savings on 2 Vehicles bundle:$374
Savings on 3 Vehicles bundle:$562
Savings on 4 Vehicles bundle:$749
Mobile, AL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Mobile, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Mobile | $1,440 | $2,553 |
| Chickasaw | $1,402 | $2,486 |
| Prichard | $1,389 | $2,463 |
| Saraland | $1,465 | $2,597 |
| Satsuma | $1,483 | $2,629 |
| Creola | $1,442 | $2,557 |
| Mobile County | $1,452 | $2,574 |
| Axis | $1,445 | $2,562 |
Mobile, AL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,235 |
| Excellent (740-799) | $1,410 |
| Good (670-739) | $1,501 |
| Average (580-669) | $1,958 |
| Poor (300-579) | $2,349 |
Mobile, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$63 | $1,503 |
| Driver's Failure In Showing Documents | +$140 | $1,580 |
| Driving With An Expired Registration | +$148 | $1,588 |
| Driving At A Considerably Slow Pace | +$312 | $1,752 |
| Using A Cellphone While Driving | +$330 | $1,770 |
| Running A Red Light | +$336 | $1,776 |
| Speeding | +$353 | $1,793 |
| Driving A Vehicle Without The Required Permission | +$448 | $1,888 |
| Driving With An Expired/Suspended License | +$971 | $2,411 |
Mobile, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,382 |
| Active Disabling Device | $1,382 |
| Tracking Device | $1,354 |
| Passive Disabling Device | $1,339 |
Latest Auto Insurance Reviews in Mobile, AL | Back to Top
State FarmI would certainly recommend because of the ease with which you can have things covered and the availability of discounts.
ProgressiveThey have great policies . They seem to offer very good rates and they make sure to give you the best deal and to not over charge you.
State FarmThe customer service is excellent. I have never had a problem with them. They customer service is always friendly and helpful
ProgressiveI like that their website is super easy to use and you can find commonly asked questions on there and they have live chat available.
Liberty MutualI like that Liberty Mutual offers a 24 hours 7 days a week number to call in case of emergencies. Their customer support is easy to reach and offers the needed support. From experience, the customers are always connected to a live customer service representative.
MetlifeOur insurance premium is cheaper as a whole than other providers. If it were individual policies other companies would be cheaper.
EsuranceDon't like the high prices, the customer service and the available options are not at the state minimum therefore you have to pay more.
ProgressiveIt is the same basically, most insurance start low if you are to switch but over time they continually up their premiums. My insurance offers the vanishing deductible with helps offset my premiums in the long run if I ever have an accident.
State FarmState Farm offers the appropriate levels of auto insurance my family needs. I annually review the proper level of liability and collision on each of our cars.
GeicoI am very satisfied with the availability of my support. there are multiple offices in my area and the hours are very convenient to my working hours and they are also open on weekends