Mobile Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 

auto_insurance_rates_in_mobile_al

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 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 Farm
I would certainly recommend because of the ease with which you can have things covered and the availability of discounts.
Progressive
They 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 Farm
The customer service is excellent. I have never had a problem with them. They customer service is always friendly and helpful
Progressive
I 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 Mutual
I 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.
Metlife
Our insurance premium is cheaper as a whole than other providers. If it were individual policies other companies would be cheaper.
Esurance
Don't like the high prices, the customer service and the available options are not at the state minimum therefore you have to pay more.
Progressive
It 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 Farm
State 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.
Geico
I 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