Can I get Allstate in Mobile, AL?
You can find Allstate in Mobile, AL, and all throughout the U.S. Although drivers in Alabama only have to carry $25,000 in bodily injury and property damage liability coverage, experts recommend that you carry full coverage to protect your vehicle. While Allstate auto insurance in Mobile, AL is expensive, you can save money by taking advantage of discounts and raising deductibles.
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Allstate is the country’s third-leading auto insurance company and offers coverage in all 50 states. Local agents are also available nationwide to help with insurance needs.
Allstate in Mobile, AL is available through local agents, but you can also use the mobile app and website for most needs. Although Allstate offers auto insurance coverage that meets Alabama requirements, rates are higher than average.
Read our Allstate Auto Insurance Review to learn more about the company and the coverages offered.
Keep reading to learn more about Allstate in Mobile, AL. Before you begin, enter your ZIP code to compare free auto insurance quotes from companies near you.
- Allstate is available in all 50 states, including Alabama.
- Alabama requires drivers to carry a minimum of $25,000 in liability coverage for both bodily injury and property damage.
- Allstate drivers can take advantage of discounts, lower coverage amounts, and raise deductibles to save money on auto insurance.
Is Allstate auto insurance available in Mobile, AL?
Auto insurance in Mobile, AL is not only mandatory, but it is necessary as well. City-Data reports that 90% of commuters choose to drive alone. Unfortunately, that is a lot of cars on the road, increasing your chance of being in an accident.
Alabama only requires drivers to carry $25,000 in bodily injury and property damage liability coverage. However, that is not a lot of coverage, and your vehicle isn’t protected at all.
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Allstate insurance is available in Mobile and offers more than just the mandatory Alabama auto insurance. In addition, you can easily add coverages to your policy, such as roadside assistance and homeowners insurance.
Because the auto insurance required in Alabama is very low, consider adding collision and comprehensive, as well as uninsured/under-insured motorist coverages.
Collision pays for damages to your car if you cause an accident, and comprehensive pays for damages to your vehicle unrelated to an accident, such as fire, theft, vandalism, and acts of nature like hurricanes.
Uninsured and under-insured motorist coverage would pay for damages to your car if someone else caused an accident. Allstate will step in if that driver either doesn’t have insurance or has very low coverage.
Adding extra coverages will raise your rates, but they will fully protect your vehicle.
Allstate agents in Alabama are widely available, but you can also handle your insurance needs online. In addition, there isn’t a central Allstate Alabama claims office. Claims can also be handled online and through the mobile app.
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What are Allstate auto insurance rates in Mobile, AL?
Allstate is a very known insurance company that offers multiple types of insurance. However, that does not mean it is the cheapest insurer.
One factor that determines your auto insurance rates is how much coverage you choose. In Alabama, drivers are only required to carry liability or low coverage. But, low coverage does not offer any protection for your vehicle if you cause an accident.
For comparison, this table shows average auto insurance rates in Mobile from the top companies based on how much coverage you choose.
Auto Insurance Rates by Coverage Type in Mobile, AL
| Insurance Company | Low | Medium | High | Average |
|---|---|---|---|---|
 | $2,223.52 | $2,300.38 | $2,417.93 | $2,313.94 |
 | $2,912.50 | $2,911.30 | $2,978.34 | $2,934.05 |
 | $2,844.81 | $3,084.45 | $3,363.11 | $3,097.46 |
 | $3,432.19 | $3,562.06 | $3,712.64 | $3,568.96 |
 | $3,960.45 | $4,269.18 | $4,327.02 | $4,186 |
 | $4,544.22 | $4,777.12 | $5,225.68 | $4,849 |
 | $4,605.82 | $5,157.39 | $5,790.61 | $5,185 |
 | $5,075.09 | $5,381.61 | $5,699.72 | $5,385 |
 | $5,541.25 | $5,809.07 | $6,169.26 | $5,840 |
Although Allstate is not the most expensive auto insurance company in Mobile, rates are still about $300 a month. Since other factors like your driving record and age determine rates, Allstate rates will vary by driver.
Where you live in Alabama can also make a difference in the cost of auto insurance. For example, rates from Allstate in Gulf Shores, AL only average $260 a month. As a result, drivers in Gulf Shores will save almost $500 a year over drivers in Mobile.
How can you save on Allstate in Mobile, AL?
If you are happy with your Allstate auto insurance in Mobile, AL, there are ways you can lower your rates.
First, take advantage of discounts. Allstate offers many different discounts based on the driver, policy, and vehicle. You can even bundle them for the most savings.
This table shows Allstate discounts that may be available to you. The amount of the discount is listed if it is known.
Allstate Auto Insurance Discounts
| Auto Insurance Discounts | Allstate (%) |
|---|---|
| Anti-lock Brakes | x |
| Anti-Theft | x |
| Claim Free | x |
| Continuous Coverage | x |
| Daytime Running Lights | x |
| Defensive Driver | x |
| Distant Student | x |
| Driver's Ed | x |
| Driving Device/App | x |
| Early Signing | x |
| Electronic Stability Control | x |
| Farm Vehicle | x |
| Good Credit | x |
| Good Student | x |
| Green Vehicle | x |
| Life Insurance | x |
| Low Mileage | x |
| Military | x |
| Multiple Policies | 10 |
| Multiple Vehicles | x |
| Newer Vehicle | x |
| Occupation | x |
| On-Time Payments | x |
| Paperless Documents | x |
| Paperless/Auto Billing | x |
| Passive Restraint | x |
| Senior Driver | x |
| Utility Vehicle | x |
| Vehicle Recovery | x |
Next, take a look at your policy. Because Alabama only requires a limited amount of liability coverage, you may be paying for extras you do not need.
Decrease or drop coverages you do not need. For example, if your car is older and not costly to replace, consider dropping collision and comprehensive coverages. You also might not need roadside assistance or rental car coverage.
Finally, look at your deductibles. Raising your deductibles will lower your auto insurance rates. However, like with reducing coverage, raising your deductibles means you will have to pay more out of pocket if your car is damaged.
Allstate in Mobile, AL: The Bottom Line
You can easily find auto insurance from Allstate in Mobile, AL. Alabama drivers only have to carry liability coverage, but mandatory coverage amounts are low and don’t offer much protection.
Allstate not only offers auto insurance, but it also offers other insurance policies such as homeowners, renters, and life insurance coverages.
Although Allstate rates are generally high, you can take advantage of discounts, reduce coverages, and raise deductibles to get lower rates.
Before you buy Allstate auto insurance in Mobile, AL, shop around. Each insurance company will offer different rates and discounts, so comparison shopping will help you find your best deal.
Allstate in Mobile, AL is available, but it’s not the only company in your area. Enter your ZIP code now to compare quotes from multiple companies in Mobile for free.
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