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

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

Zimlon, through its research, found that car owners in Mobile County, 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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In Mobile City, Alabama, car insurance rates among the top 4 companies differ by up to $1,480

Zimlon’s analysis of the 2016 NAIC Annual Report reveals that car insurance premium rates vary up to $1,480 from the median prices in Mobile City, Alabama. The most significant deviations from the median are observed for 18-year-old single females driving a 2010 Chevy Silverado 1500 Extended Cab with two windows. The Annual Report lists State Farm Mutual Automobile Insurance Company, Alfa Mutual Insurance Company, Allstate Property and Casualty Insurance Company, and Progressive Specialty Insurance Company as four companies with the highest market share. Among them, Allstate Property and Casualty Insurance Company offers the lowest premium rate for the abovementioned cohort at $1,480 less than the median. Alfa Mutual Insurance Company offers the second lowest premium that is $750 less than the median.

Zimlon used data from the Alabama Department of Insurance to conduct its study. For the analysis, the collision deductible was $500; the bodily injury per person, bodily injury per accident, and property damage limits were $25,000, $50,000, and $25,000, respectively; and the medical payment limit was $1,000.

State Farm Mutual Automobile Insurance Company and Alfa Mutual Insurance Company offer premium rates that are less than the median for all driver cohorts. On the other hand, Progressive Specialty Insurance Company offers premium rates that are higher than the median for five out of seven driver cohorts.

The following table shows the 10 types of driver segments analyzed, the median premium rate for each segment, and the premiums charged by companies with the highest market share in Mobile City, Alabama. The boxes in light red show the difference between the premium and the median price for premiums that are priced higher than the median. The boxes in light green represent the same difference for prices that are lower than the median.

Cohort Median Car Insurance Companies in Mobile, AL State Farm Mutual Automobile Insurance Company Alfa Mutual Insurance Company Allstate Property and Casualty Insurance Company Progressive Specialty Insurance Company
25-year-old single males driving a 2010 Chevy Silverado 1500 Extended Cab with two windows $1,419 $89 $301 $691 $238
62-year-old married males driving a 2012 Ford F-250 Super Duty Crew Cab with four doors and four windows $820 $21 $52 $356 $135
30-year-old married males driving a 2012 Ford F-250 Super Duty Crew Cab with four doors and four windows $1,251 $221 $226 $533 $235
25-year-old single females driving a 2010 Toyota Camry LE sedans with four doors $1,211 $140 $354 $466 $60
48-year-old single males driving a 2012 Chevy Tahoe LS with four doors and four windows $1,307 $44 $284 $324 $385
18-year-old single females driving a 2010 Chevy Silverado 1500 Extended Cab with two windows $3,197 $384 $750 $1,480 $38
18-year-old single females driving a 2010 Toyota Camry LE sedan with four doors $2,796 $16 $848 $948 $131

*In the above table the boxes in light red represent values greater than the median. The boxes in light green represent values lesser than the median.

For 18-year-old single female drivers with a 2010 Chevy Silverado 1500 Extended Cab, State Farm Mutual Automobile Insurance Company charges the highest premium rate, which is $384 greater than the median. However, for 30-year-old married males with a 2012 Ford F-250 Super Duty Crew Cab, it offers the cheapest premium at $221 less than the median.

Alfa Mutual Insurance Company offers premium rates that are lower than the median for all driver cohorts, as mentioned above. It charges the lowest premium for 18-year-old single females at $848 less than the median.

Similarly, Allstate Property and Casualty Insurance Company charges premium rates that are lower than the median for all driver cohorts. The lowest, as mentioned above, deviates by $1,480 from the median. The second lowest is $948 less than the median for 18-year-old single females with a 2010 Toyota Camry LE sedans with four  doors.

Progressive Specialty Insurance Company charges the highest premium rate at $238 more than the median for 25-year-old single males with a 2010 Chevy Silverado 1500 Extended Cab. Their lowest premium rate is $385 less than the median for 48-year-old single males with a 2012 Chevy Tahoe LS.

The following chart compares car insurance premium rates charged by the four companies with the highest market share in Mobile City, Alabama.

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Factors that can influence the cost of car insurance in Mobile County, 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 County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Mobile County, AL with that of other cities in and around Mobile County.

Mobile County Tillmans Corner Prichard Theodore Tanner Williams Mobile
Average Insurance Rates $1,452 $1,438 $1,389 $1,449 $1,493 $1,440

Mobile County, 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 County, 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 County $1,176 $994
Tanner Williams $1,324 $1,118
Tillmans Corner $1,070 $904
Prichard $1,418 $1,198
Chickasaw $1,404 $1,186
Mobile $965 $815
Saraland $2,167 $1,830
Theodore $1,644 $1,389

Mobile County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Mobile County, 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 $4,711
20 Years $1,866
30 Years $1,437
40 Years $1,383
50 Years $1,280
60 Years $1,298
70 Years $1,511

Mobile County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Mobile County, 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 $2,526 $378
3 Vehicles $3,790 $566
4 Vehicles $5,053 $755

Savings on 2 Vehicles bundle:$378

Savings on 3 Vehicles bundle:$566

Savings on 4 Vehicles bundle:$755


Mobile County, 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 County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Mobile County $1,452 $2,574
Tanner Williams $1,493 $2,647
Tillmans Corner $1,438 $2,550
Prichard $1,389 $2,463
Chickasaw $1,402 $2,486
Mobile $1,440 $2,553
Saraland $1,465 $2,597
Theodore $1,449 $2,569

Mobile County, 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) $1,246
Excellent (740-799) $1,422
Good (670-739) $1,513
Average (580-669) $1,974
Poor (300-579) $2,368

Mobile County, 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 +$64 $1,516
Driver's Failure In Showing Documents +$141 $1,593
Driving With An Expired Registration +$150 $1,602
Driving At A Considerably Slow Pace +$315 $1,767
Using A Cellphone While Driving +$333 $1,785
Running A Red Light +$338 $1,790
Speeding +$356 $1,808
Driving A Vehicle Without The Required Permission +$452 $1,904
Driving With An Expired/Suspended License +$979 $2,431

Mobile County, 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 $1,394
Active Disabling Device $1,394
Tracking Device $1,365
Passive Disabling Device $1,350