Average car insurance cost in Mobile, AL

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Based on an analysis by Insure.com, the typical car insurance expense in Mobile, Alabama is $2,009 annually. Furthermore, car insurance premiums in Mobile are $149 more than compared to the state average in Alabama and $114 more than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Mobile, the average car insurance rates by age and gender, and the costs in Mobile based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Mobile. Keep reading to learn more.

Cheap car insurance companies in Mobile

Nationwide provides the best value for car insurance in Mobile with coverage limits of 100/300/100, costing $1,298 annually.

A close second is Travelers, which offers car insurance at $1,422 per year.

Read about the best car insurance companies.

Average car insurance cost in Mobile by coverage limits

In Mobile, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $511 per year (limits are 25/50/25)
• Liability only coverage: $752 per year (limits are 50/100/50)
• Full coverage: $2,009 per year (limits are 100/300/100)
• Non-owners coverage: $413 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Mobile

In Mobile, Alabama, the average annual car insurance premium for female drivers is $2,035 per year.

While the average annual cost for male drivers is $1,982 per year, which is $53 less than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Mobile

In Mobile, car insurance rates are highest for teens, averaging $6,785 per year or $565 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,082 annually for their car insurance, which is $3,703 less than what teens pay for their coverage.

In Mobile, adult drivers pay an average of $2,002 per year for car insurance, while senior drivers pay $2,028 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Mobile

Examining car insurance rate trends in Mobile, Alabama, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 24% or $389.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Mobile, are higher than the average insurance cost in Alabama. Shopping around and taking advantage of available discounts, drivers in Mobile can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.