Table of Contents

Table of Contents

Updated November 2024

Top Pick in Mobile AL: Geico
4.1

Company Facts

Full Coverage in Mobile AL

$98/mo

A.M. Best

A++

Complaint Level

High

Pros & Cons

  • Low rates for most drivers
  • Many discounts available
  • Easy online & mobile tools
  • Strong customer service
  • Nationwide availability
  • Limited local agents
  • Higher rates for high-risk drivers
  • Fewer coverage options
» Geico Auto Insurance Review
Best Coverage in Mobile AL: Allstate
4.0

Company Facts

Full Coverage in Mobile AL

$127/mo

A.M. Best

A+

Complaint Level

High

Pros & Cons

  • Multiple Coverage Options
  • Various Discounts
  • Additional Savings Programs
  • Low-Mileage Policy Option
  • Higher Premiums
  • Slow Claims Process
  • Poor Customer Service
» Allstate Auto Insurance Review
Best Agents in Mobile AL: State Farm
4.3

Company Facts

Full Coverage in Mobile AL

$122/mo

A.M. Best

B

Complaint Level

High

Pros & Cons

  • Competitive rates for good drivers
  • Large network of agents
  • Strong customer service
  • Many discounts
  • Good bundling options
  • Higher rates for high-risk drivers
  • Fewer online tools
  • Limited specialty coverage
» State Farm Auto Insurance Review

Geico, Allstate, and State Farm are among the best mobile auto insurance providers. Their competitive prices start at as low as $32 a month, and they can provide comprehensive coverage.
Best Mobile, AL Auto Insurance: Geico, Allstate, and State Farm

Each caters to different needs, based on good customer service and bespoke solutions for Mobile’s locals. See which among them will give you low-cost yet dependable auto insurance coverage options in Mobile, AL.

Our Top 10 Company Picks: Best Mobile, AL Auto Insurance

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Geico: Best Mobile, AL Auto Insurance#125%A++Lowest RatesGeico
Allstate: Best Mobile, AL Auto Insurance#225%A+Comprehensive CoverageAllstate
State Farm: Best Mobile, AL Auto Insurance#317%BLocal AgentState Farm
Nationwide: Best Mobile, AL Auto Insurance#420%A+Vanishing DeductibleNationwide
Liberty Mutual: Best Mobile, AL Auto Insurance#525%ATelematics DiscountsLiberty Mutual
Progressive: Best Mobile, AL Auto Insurance#610%A+Affordable CoverageProgressive
Travelers: Best Mobile, AL Auto Insurance#713%A++Bundling DiscountsTravelers
Farmers: Best Mobile, AL Auto Insurance#820%ARobust Family-CenteredFarmers
American Family: Best Mobile, AL Auto Insurance#925%AFamily-Oriented DiscountsAmerican Family
Safeco: Best Mobile, AL Auto Insurance#1015%ACompetitive RatesSafeco

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Discover the best car insurance quotes in Mobile, AL. Get free auto insurance quotes from the best providers today by entering your ZIP code into the quote box on this page.

Can't-Miss Facts

  • Low-priced insurance and insurance tailored for drivers in Mobile, AL
  • Monthly rates start at $32, ensuring quality coverage for all
  • Geico, Allstate, and State Farm are top picks for reliable service

#1 Geico: Top Overall Pick

Geico: Best Mobile, AL auto insurance

Pros

  • Lowest Rates: Geico is well known for having the best quoted lowest premiums, positioning it as Mobile’s affordable car insurance.
  • User-Friendly Online Tools: It offers user-friendly online tools for affordable Mobile auto insurance. For more information, please see our “Geico Auto Insurance Review.”
  • High Customer Satisfaction: Geico has a market reputation for cheap car insurance because most consumers are satisfied.
  • Multiple Discounts: It offers its customers numerous discounts that can greatly help them reduce the expense of their affordable automobile insurance rates in Mobile, AL.

Cons

  • Limited Local Agents: Geico mostly conducts business online, which might not be the best option for clients looking for in-person contacts when looking for reasonably priced auto insurance.
  • Wait Times for Customer Care: Many Mobile customers have complained about lengthy wait times when contacting customer care for affordable auto insurance.
  • Complex Policy Alternatives: When searching for affordable auto insurance for Mobile drivers, some consumers may feel overwhelmed by many policy alternatives.

#2 – Allstate: Best for Comprehensive Coverage

Allstate: Best Mobile, AL auto insurance

Pros

  • Complete Options for Coverage: The company offers individuals with Mobile auto insurance an option uniquely tailored for them. Learn more by reading our “Allstate Auto Insurance Review.”
  • Excellent Financial Rating: A.M. gives Allstate an A+ rating, putting it as one of the best auto insurance choices for Mobile’s best drivers.
  • Available Local Agents: Thousands nationwide can offer individualized, affordable car insurance in Mobile, AL.
  • Multiple Discounts: Allstate offers many discounts to drive auto insurance rates even further down for Mobile drivers.

Cons

  • Higher Premium Rates than Others: Overall, Allstate’s premiums can be a bit more expensive to some clients, making it less likely that they can afford the cheapest car insurance in Mobile.
  • Claims Processing Delays: Some reports indicate that auto insurance claims are taking time, which can be troubling for anyone looking for reliable and very affordable car insurance in Mobile, AL.
  • Complex Policy Terms: Most customers seeking mobile auto insurance become disillusioned by the policy’s confusing conditions, which some find confusing.

#3 – State Farm: Best for Local Agent

State Farm: Best Mobile, AL auto insurance

Pros

  • Availability of Local Agents: State Farm has very large networks of local agents available to provide local, accessible support for the affordable auto insurance offered in Mobile.
  • Good Discounts: To ensure the cheapest auto insurance in Mobile, AL, the company offers many discounts to provide a cut.
  • Wide Range of Coverage Offerings: State Farm provides extensive coverage options to answer all potential Alabama mobile needs for low-cost auto insurance.
  • Strong Financial Stability: They provide coverage alternatives for Mobile residents seeking auto insurance. Learn more in our “State Farm Auto Insurance Review.”

Cons

  • Available Online Resources: The web-based management tool for auto policies may also limit the availability of affordable Mobile car insurance.
  • Increased Rate for Younger Drivers: State Farm charges extra for young drivers, which means Mobile auto owners will have higher vehicle insurance costs.
  • Customer Service Issues: Mobile has lag time in customer service that might annoy consumers looking for budget auto insurance.

#4 – Nationwide: Best for Vanishing Deductible

Nationwide: Best Mobile, AL auto insurance

Pros

  • The Vanishing Deductible Feature: Nationwide attracts folks seeking the cheapest auto insurance in Mobile because it offers a unique feature called the vanishing deductible.
  • Strong Financial Ratings: A.M. has rated it with an A+. Nationwide is dependable in providing reasonable Mobile vehicle insurance quotations.
  • Good Customer Service: The customers praise the customer service, which improves their satisfaction with Mobile’s affordable auto insurance. Read our “Nationwide Review” to learn more.
  • Multiple Discounts Available: Nationwide offers many discounts that can help lower the price of reasonably priced vehicle insurance.

Cons

  • Limited Access to Local Agents: Because the agencies do not present a local concern, communication will most likely break down for someone looking for cheap, locally purchased auto insurance.
  • Fewer Discounts for Young Drivers: Nationwide offers fewer discounts for young drivers. It might impact their choice of the best auto insurers in Alabama.
  • Problems in the Claims Process: Customers in Mobile, AL, waiting for cheap car quotations might experience the long hours required to process claims.

#5 – Liberty Mutual: Best for Telematics Discounts

Liberty Mutual: Best Mobile, AL auto insurance

Pros

  • Telematics Discounts: With telematics-based discounts, potential savings from Mobile auto insurance by Liberty Mutual can be achieved.
  • Complete Coverage Options: Read our article “Liberty Mutual Auto Insurance Review” to learn about the coverage options you may get at a relatively cheap premium in Mobile, AL.
  • Customizable Policies: Customer customization of policies is the aspect that makes flexible coverage for mobile auto insurance possible.
  • Strong Rating: Liberty Mutual has received an A from A.M., making it a reliable choice for reasonably priced auto insurance. Check out our article “Liberty Mutual Auto Insurance Review.”

Cons

  • More Expensive for Younger Drivers: Due to Liberty Mutual’s higher premiums, mobile car insurance can be much more expensive for younger drivers.
  • Complicated Policy Terms: Due to the more complex policy terms, getting the best deal on auto insurance can sometimes become complicated.
  • Customer Service Issues: Several people have searched for low-cost car insurance and found customer service problems that may cause concern.

#6 – Progressive: Best for Affordable Coverage

Progressive: Best Mobile, AL auto insurance

Pros

  • Affordable Coverage: Progressive is one of the best if you are looking at cheap auto insurance that may be accessed through your smartphone due to its affordability.
  • User-Friendly Online Tools: This allows users to manage policies and get quotes, making Mobile car insurance fairly priced and easily accessible.
  • Multi-Discounts: Progressive saves customers the cost of auto drivers for Mobile by offering several discounts. More than that can be found in our “Progressive Auto Insurance Review.”
  • Stable Finances: Progressive holds an A+ rating with all of A.M., ensuring it is a sound choice for those in Mobile looking to purchase cheap auto insurance.

Cons

  • Limited Local Agent Network: Progressive operates primarily online, which may not be ideal for mobile customers preferring assistance from a live agent.
  • Process Issues with the Claim: Other customers have complained about the problem during the claims processing that thwarted their search for affordable car insurance in Mobile.
  • Higher Rates for Specific Drivers: Progressive sometimes pays more than the other online auto insurance operators for specific drivers.

#7 – Travelers: Best for Bundling Discounts

Travelers: Best Mobile, AL auto insurance

Pros

  • Bundling Policies with Discounts: Travelers is known to give allowances for bundling policies. It may benefit people interested in finding auto insurance companies in Mobile, AL.
  • Healthy Financial Grades: It has an A++ rating with A.M. and offers reliable auto insurance for Mobile drivers. See our “Travelers Auto Insurance Review” for more.
  • Comprehensive Coverage Options: Comprehensive coverage offers customizable options for affordable auto insurance in Mobile.
  • Good Customer Service. Many customers have decided that the premium for Mobile car insurance is affordable after a good customer service experience.

Cons

  • Heavier Cost for Younger Drivers: Premiums for younger people may have to be relatively higher to make car insurance in Mobile unreasonably expensive.
  • Complex Policy Terms: Any car insurance buyer in Mobile may find the jargon confusing, as some policy terms are currently complex to some consumers.
  • Claims Processing Delay: This can be another issue for the consumer, such as claims processing delay, which has also been a past complaint of Mobile automobile insurance.

#8 – Farmers: Best for Robust Family-Centered

Farmers: Best Mobile, AL auto insurance

Pros

  • Strong Family-Focused Policies: The family-oriented policies are quite strong since they respond to the needs of all families who want low-cost automobile insurance in Mobile.
  • Sturdy Local Agent Network: The company has a robust network of local agents in Mobile, AL, that provides individualized support to affordable car insurance ventures.
  • Good Discount Deals: Farmers offers several deals. For instance, you can use these savings to get cut-rate car insurance in Mobile. Read on to learn more about “Farmers Review.”
  • Broad Coverage Options: Farmers strive to meet their clients’ diversified demands through affordable Mobile auto insurance.

Cons

  • Higher Premiums Relative to Others: Some customers reported issues with claims processing, which impacted their satisfaction with Mobile’s low-cost auto insurance.
  • Low Online Tools: The online facilities for managing policies in Mobile, AL, cheap car insurance may be less user-friendly than those of competitors.
  • Problem with Claims Processing: Some consumers have complained about the procedure for claims handling as it affects satisfaction levels with low-price automobile insurance.

#9 – American Family: Best for Family-Oriented Discounts

American Family: Best Mobile, AL auto insurance

Pros

  • Family Discounts: American Family offers discounts for families to purchase affordable car insurance in Mobile, AL.
  • Coverage Options: The company presents several affordable coverage options for auto insurance in Mobile.
  • Loyalty Discount: This is one of the excellent options offered to policyholders who like staying with the same provider over time, as it provides loyalty premium cuts.
  • Unparalleled Customer Service: Customers praise the support offered to anyone looking for low-priced automobile insurance. Read more in our “American Family Review.”

Cons

  • Higher Premiums Comparison: Consumers’ perceptions of American family car insurance as relatively higher may affect the affordability of Mobile’s low auto insurance prices.
  • Very Limited Availability of Local Agents: In areas with few local agents, affordable mobile auto insurance for specialized care may be limited.
  • Complex Policy Options: Many consumers may be intimidated by the variants of policy options and, therefore, find it difficult to get auto insurance.

#10 – Safeco: Best for Competitive Rates

Safeco: Best Mobile, AL auto insurance

Pros

  • Competitive Rates: Safeco is one of the best options for cheap auto insurance because its premiums are very cheap.
  • Many Discounts: The firm offers many discount policies that can greatly reduce rates for a relatively priced auto insurance policy in Mobile.
  • Financial Strength: Safeco has excellent financial strength and an A grade from A.M., making it a safe bet for drivers. Learn more by reading our “Safeco Auto Insurance Review.”
  • Online Tools User-Friendly: Safeco’s website has easy-to-use online tools for checking one’s policy and obtaining quotations. These enable one to access cheap insurance quotes.

Cons

  • Limited Local Agent Network: Many local agents may not be in a given location, affecting personalized support for relatively affordable mobile car insurance.
  • Claims Process Issues: Most customers report issues arising in the claims process as problems Mobile, AL consumers have experienced while trying to get affordable auto insurance.
  • Higher Costs to Some Drivers: Affordable auto insurance in Mobile is not always easy to come by, as some drivers pay more than others for their specific situations.

Auto Insurance Coverage Requirements

According to the Alabama Department of Insurance, liability coverage is virtually worthless as protection against individuals. Most importantly, your insurance provider will not pay out claims unless you are at fault or liable in some way for the accident.

Realizing how accidents affect car insurance rates is necessary for many who need Alabama automobile insurance quotes, particularly if they are trying to find auto insurance coverage in Saraland.

Your policy will not cover anything else, from being the victim of a theft to a hit-and-run. You can compare free Alabama auto insurance quotes online to ensure you still get the lowest rate.

Mobile, AL Monthly Auto Insurance Premiums

Insurance CompanyMonth Rate
Farmers TablePress Logo$34
State Farm TablePress Logo$36
Allstate TablePress Logo$45
Alfa TablePress Logo$31
Nationwide TablePress Logo$43

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Farmers or ALFA are your best choice for cheap auto insurance options if you only care about a low monthly rate. While a low monthly premium may be attractive to you, it could cost you if your provider doesn’t have strong customer service and an easy claims process or slips in other ways.

Direct Auto Insurance also provides auto insurance in Mobile. When calculating insurance quotes, auto insurance companies factor in several elements: driving violations, accident claims, occupation of the applicant(s), mileage driven per year, and business use. Please note that premiums differ from one company to another.

Mobile’s Available Auto Insurance Discounts

Mobile, AL auto insurance companies offer discount programs that allow customers to reduce their premiums in several ways, especially with various auto insurance coverage options.

It is an example of how the entities of this industry are shaping their products and services to meet certain driver demands. Insurers like Allstate and Nationwide reward responsible driving and multipolicy packages, and the outlook is mainly on customer loyalty and safety.

Auto Insurance Discounts From the Top Providers in Mobile, AL

Insurance CompanyAvailable Discounts
Allstate: Best Mobile, AL Auto InsuranceNew Car, Early Signing, Safe Driver, Multi-Policy, Responsible Payer, Anti-Lock Brakes
American Family: Best Mobile, AL Auto InsuranceGood Student, Multi-Car, Low Mileage, Bundling, Homeowner, Defensive Driving
Farmers: Best Mobile, AL Auto InsuranceProfessional Group, Safe Driver, Good Student, Homeowner, Distant Student
Geico: Best Mobile, AL Auto InsuranceGood Student, Military, Multi-Vehicle, Federal Employee, Anti-Theft System, Seat Belt Use
Liberty Mutual: Best Mobile, AL Auto InsuranceMulti-Policy, Good Student, New Graduate, Anti-Theft, Newly Married, Safe Vehicle
Nationwide: Best Mobile, AL Auto InsuranceMulti-Policy, Accident-Free, SmartRide® (usage-based), Family Plan, Defensive Driving
Progressive: Best Mobile, AL Auto InsuranceMulti-Car, Homeowner, Continuous Coverage, Snapshot® (usage-based), Good Student
Safeco: Best Mobile, AL Auto InsuranceHomeowner, Early Signing, Bundled Discounts, Good Student, New Vehicle, Safe Driving
State Farm: Best Mobile, AL Auto InsuranceDrive Safe & Save™, Good Student, Steer Clear® for Young Drivers, Multi-Car, Homeowner
Travelers: Best Mobile, AL Auto InsuranceSafe Driver, Multi-Car, Homeowner, Hybrid Vehicle, New Car, Paperless Billing

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Agencies like Progressive and State Farm have concentrated on usage-based discounts, which depict the trend toward data-driven, personalized pricing models. In this model, direct individual driving behavior would be the basis of cost; good drivers who prefer more control over their insurance rates enjoy premium payback.

Insurance companies specialize to some extent in different groups of people, such as student drivers, homeowners, or low-mileage commuters. It raises their mindfulness of training in the ways that different needs exist in the community. Mobile drivers, however, should focus on finding the best Mobile AL auto insurance and consider these discounts in the context of their situations.

Auto Insurance Premiums in Mobile 

Auto insurance premiums in Mobile, AL, are influenced by several factors, but discounts and customer satisfaction rank on top. While most companies have become competitive in terms of discounts, many drivers are thus able to lower their premiums.

Local agencies in Mobile, AL, do a great job serving customers and putting real momentum into overall satisfaction. Claims handling is usually very slick, with no hiccups in processing that come to mind except when a hurricane hits.

It will monitor where your driver can anticipate this delay. Some fraud measures are also strong at the agencies, keeping the premiums relatively low with this bump here or there.

Mobile, AL Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Availability of DiscountsAMany providers offer competitive discounts
Customer Satisfaction A-High satisfaction, especially with local agencies
Claims Process B+Generally smooth but with some delays
Fraud Prevention Measures B+Effective, but not without some challenges
Coverage OptionsBSolid options but fewer compared to larger cities
Affordability B-Premiums slightly higher than national average
Rate Stability C+Rates tend to fluctuate with economic conditions

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Mobile’s concern for auto insurance is that the cost and rate are slightly above the average due to weather conditions; rates tend to skyrocket depending on the economic conditions. Coverages are adequate but might not be as broad as in larger cities, with incentives for continuous coverage insurance discounts.

Auto Accident & Insurance Claim Statistics

Knowing more about auto accident and insurance claim statistics makes better sense for Alabama drivers, in this case, Mobile. The average yearly auto premium is $1,400, significantly higher because of the 15% uninsured driver rate. With approximately 3,500 reported auto accidents per year, around 25% of the claims may be injury claims, and the critical need is to have as full coverage as possible.

Mobile, AL Auto Accident & Insurance Claim Statistics

FactorValue
Average Annual Insurance Premium1,400
Percentage of Drivers Uninsured15%
Average Time to Settle a Claim30-45 days
Number of Accidents per Year3,500
Percentage of Claims Approved85%
Fraudulent Claims Percentage1-2%
Injury Claims Percentage25% of all accident claims

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The table shows that 85% of claims in Mobile are accepted and settled within 30 to 45 days. About 1-2% of claims are fraudulent. The figures explain why proper auto insurance must be carried out when driving in the locality.

As the percentage of accidents is high and uninsured drivers increase premiums, in Mobile, adequate insurance coverage for drivers should include UM/UIM auto insurance coverage to stay compliant and financially protected.

Online and Digital Processes for Auto Insurance

Mobile locals can now easily secure auto insurance through digital methods. Specifically, Geico is unique because its online platform is quite easy to operate; auto insurance enthusiasts can obtain full coverage quotes and rate comparisons and purchase policies within minutes on the website.

Best Mobile, AL auto insurance: Geico HomePage Screenshot

The process offers a way to understand types of auto insurance coverage and rate discounts, which are possible and have, for that reason, been an option for many people seeking inexpensive auto insurance.

Customer Reviews of Mobile Auto Insurance Providers

Geico is our choice for the best Mobile auto insurance since it provides the lowest rates and easy online service. Alabamians have lauded Geico for its cheap auto insurance findings, and enthusiastic customers often find rates that begin at only $32 each month.

Geico offers the best Mobile, AL auto insurance with starting rates as low as $32 per month, making it the go-to choice for affordable coverage.

Kristen Gryglik Licensed Insurance Agent

Additionally, they enjoy a straightforward claims process, prompting them to ask, “How much insurance coverage do I need?” You can easily find cheap online auto insurance through their online service.

ZIP Code on Auto Insurance Rates in Mobile

Your car’s overnight parking location can also greatly impact your auto insurance premium. Car insurance is generally less expensive in rural areas because fewer cars reduce the possibility of a collision with another vehicle.

Mobile Auto Insurance Monthly Rates by Zip Code

Monthly Rate
36608$106
36609$102
36606$124
36605$121

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It is a crucial factor for anyone looking at affordable auto insurance for new drivers, and mobile car shipping companies can help with this, especially when considering car insurance discounts that may be available.

Impact of Accident Fatality Rates on Auto Insurance

Elevated accident rates in your ZIP code may lead to increased premiums every month. Compared to the national average, the fatal accident statistics in Mobile are relatively low, as evidenced by the chart below. 

Mobile Auto Insurance Accident Fatality Count

CategoryCount
Fatal accident count27
Vehicles involved in fatal crashes41
Fatal crashes involving drunk persons6
Fatalities27
Persons involved in fatal crashes60
Pedestrians involved in fatal accidents11

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It becomes very important for high-risk drivers looking for cheap auto insurance rates, especially when negotiating your car’s value after an accident. If one negotiates effectively, one can affect a decent settlement. The settlement is significant to financial stability and compensation for higher premiums.

How Vehicle Theft Rates Influence Auto Insurance Costs in Mobile

Getting low-income car insurance can be hard, especially if there is a high theft risk. Standout car models seem on every thief’s bucket list, and cars are parked in urban centers more frequently. Check for an anti-theft device insurance discount to save money on your premiums.

Moreover, mobile car quotes from the insurance company can offer cheap coverage according to your requirements.

Mobile had 681 stolen vehicles in 2013, up from last year. The only kind of automotive insurance that protects against car theft is comprehensive coverage, and it is relatively more expensive than the other types of coverage.

How Credit History Influences Auto Insurance Rates

Your credit score significantly determines how much you pay for insurance. As you can see from the table below, bad credit will often translate into two to three times what good credit pays.

Mobile Auto Insurance Monthly Rates by Credit History

Insurance CompanyExcellent CreditPoor Credit
Farmers TablePress Logo$28$73
State Farm TablePress Logo$26$83
Allstate TablePress Logo$36$71
Alfa TablePress Logo$30$52
Nationwide TablePress Logo$40$59

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Knowing how credit scores affect car insurance premium payments is advantageous because it will better equip you to make good insurance decisions.

Mobile Car Insurance Rates Depending on Your Driving History

A clean driving record is crucial. The more traffic infractions and tickets you accumulate on your record, your monthly insurance premiums will increase.

Mobile Auto Insurance Monthly Rates by Driving Record

Insurance CompanyPerfect RecordMinor Speeding TicketDUI/Reckless DrivingMajor At-Fault Accident
Farmers TablePress Logo$34$49$49$57
State Farm TablePress Logo$36$40$40$45
Allstate TablePress Logo$45$45$49$58
Alfa TablePress Logo$31$33$42$42
Nationwide TablePress Logo$35$35$43$59

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Suppose you have a major offense, like a DUI. In that case, certain providers may either decline to offer you cheap auto insurance for a bad driving record or cancel your existing policy.

Mobile Auto Insurance Rates According to Your Vehicle

High repair costs and increased coverage needs make luxury cars more expensive to maintain. In contrast, less expensive means more available vehicles often lead to lower insurance costs. One factor affecting your car insurance premium is the type and value of the vehicle you are driving.

Mobile Auto Insurance Monthly Rates by Vehicle

Insurance Company2015 Honda Accord2012 Porsche Boxster Spyder
Farmers TablePress Logo$34$125
State Farm TablePress Logo$36$132
Allstate TablePress Logo$45$117
Alfa TablePress Logo$31$116
Nationwide TablePress Logo$43$109

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The higher-priced cars tend to be more costly to repair and are, in any case, set up with high-technology installations that may raise the risk of theft. That also means higher insurance premium rates. The less expensive cars tend to have low replacement or repair costs, making them less risky to the insurance company.

Finding Cheap Auto Insurance in Alabama 

We determined the average auto insurance cost by considering several factors: a 34-year-old married male with good credit, a 12-month record of continuous auto insurance, a clean driving history, and homeownership.

The annual miles driven were estimated using the national average, and the rate was calculated based on a financed 2015 Honda Accord equipped with an anti-theft device, including options for pay-per-mile car insurance coverage.

Best Mobile, AL Auto Insurance: Pay-Per-Mile Car Insurance Definition Card

We also considered what different insurance companies have charged, which can help analyze competitive prices in the market. Individual companies may calculate premiums differently, but all share a set of consistent factors, including driving history and safety features.

Enter your ZIP code below to find the best car insurance in Mobile, AL, and compare quotes from multiple Alabama companies.

Frequently Asked Questions

How does my marital status affect my Mobile auto insurance rates?

For single policies, marital status is negligible when determining premiums. However, couples have the chices of bundling their policies together, and most insurance providers offer substantial discounts for this.

How much is car insurance in Alabama per month?

In Alabama, car insurance costs average $90 per month and can exceed $150. The cost is determined by many variables, including the driver’s age, driving record, type of vehicle, and coverage. The most affordable providers of the cheapest insurance plans are usually Geico, Allstate, and State Farm, which offer their customers Alabama-specific rates.

How does my gender affect my auto insurance rates?

Gender has minimal impact on your monthly insurance rate. Most companies do not differentiate premiums based on gender, and the rate variation typically does not exceed a 2-3 percent difference for those that do.

Understanding the factors affecting your car insurance premium can provide more insight into determining rates.

How does my commute affect Mobile, AL car insurance quotes?

Traffic in Mobile can get pretty hairy, with the average motorist spending over 30 minutes in traffic each way. Despite the horrible work commute, only 12% of workers carpool to the office daily.

Driving fewer miles each year or reserving your vehicle for trips to and from work only will not save you much on your monthly rates.

The only thing that will influence your price is whether or not you designate your vehicle for “business” use. Business vehicles are typically charged 10-12 percent more each month.

How do my coverage level and deductible affect my insurance rates?

Getting all the coverage you need can be expensive. That’s why some companies will charge you less monthly if you agree to raise your deductible. However, if you choose this route, save a little money in an emergency.

Are there free automobile insurance quotes available?

Yes, numerous insurance companies provide free automobile insurance quotes online. By entering your ZIP code on their websites, you can conveniently compare rates from different providers and discover options like the claim-free discount.

Which health insurance companies are in Mobile, AL?

Several health insurance companies, such as Blue Cross Blue Shield of Alabama, UnitedHealthcare, and Humana, are available. It’s advisable to compare plans to find the one that best meets your needs.

What options are there for homeowners insurance in Mobile?

Homeowners have various insurance coverage options. Providers like State Farm, Allstate, and Liberty Mutual offer homeowners insurance policies that can be tailored to fit their specific needs and budget.

Enter your ZIP code below to discover the top car insurance options in Mobile, AL, and compare quotes from several Alabama providers.

How can I get an insurance repair quote?

You can search local car repair shops or insurance providers for an insurance quote. Additionally, many companies provide online quote requests for your convenience while dealing with your insurance company when your car needs repairs.

What is Alabama’s best direct auto insurance?

Some of Mobile, Alabama’s best direct auto insurance providers include Geico, Progressive, and State Farm. It’s wise to compare quotes and customer reviews to find the best fit for your needs.

More FAQs

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