Table of contents
How much is car insurance in Mobile?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Mobile is about $8 a month more expensive than the rest of Alabama.
However, car insurance rates in Mobile are often favorable when viewed against the rest of the country. On average, it's about $19 less to insure your vehicle in Mobile than it is in the rest of the United States.
While these numbers represent the average monthly payments for coverage in Mobile, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and modell, driving record, and in some areas, your credit score.
Don't sweat it however, we've broken down average rates for Mobile residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay one and a half times as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Mobile, a driving record with one accident will usually get you a rate around $75 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $84.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$58|
According to the first table above, SUVs are for the most part the cheapest vehicles to insure in Mobile.
Monthly premiums for SUV owners cost about $55 on average, while the rates for car owners are around $61.
The average monthly cost for coverage for truck and van drivers usually runs about $60.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Mobile, for example, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally speaking, those who are currently married will pay less for their car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
That ends up being a difference of about $11 for drivers in Mobile.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Mobile, expect to pay around $4 a month more than if you . Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Mobile, AL
Recent trends in car insurance for Mobile drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for car insurance in Mobile had been increasing from 2016-2018, when they hit a high of $69. This shifted in 2019, when they began to turn downward again. They finished up in 2021, at $66 a month
How does Mobile compare to neighboring areas?
Why are car insurance rates in Mobile different from other areas?
Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Off-street parking accessibility
- Area crime rates
- Number of drivers
- Frequency of car accidents
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Mobile?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Mobile.
Mobile Insurance FAQs
What factors affect car insurance quotes in Mobile?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Mobile different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Mobile?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Mobile?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Mobile or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.