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Cheap Car Insurance in Mobile, Alabama

Illustration of van driving by Freeway Insurance headquarters

As the third-largest city in Alabama, Mobile is called the Port City because of its status as Alabama’s only saltwater port. Mobile is considered one of the South’s cultural centers, with notable art museums, orchestras, and a professional ballet company.

Mobile is also known for its celebration of Mardi Gras. Thanks to the early French-Catholic settlers in the city, it boasts the first Mardi Gras celebration in the United States.

Quick Facts

  • As of 2019, the population of Mobile was 195,111.
  • The average cost of car insurance in Mobile is $1,592.

How Much Is Car Insurance in Mobile?

For the average driver in Mobile, car insurance is $1,592 annually. This cost is slightly above both the state and national average. This should come as no surprise as it is one of the larger metropolitan areas in the state. The cost of your Alabama car insurance coverage will vary depending on multiple factors.

City Average Annual Premium
Mobile $1,592
Montgomery $1,488
Huntsville $1,431
Birmingham $1,648

There are several rating factors that could affect the cost of car insurance in Mobile. Chief among these factors is your driving history. If you have traffic violations or accidents on your record, expect the cost of insurance to go up. Other important factors include your age, gender, and zip code.

While the cost of your policy is important, having the right amount of coverage should be your top priority. If you are involved in an accident while driving with inadequate liability insurance, you could be on the hook for any damages you cause. The proper level of insurance coverage will ensure you are not saddled with significant debt after an accident.

Mobile Car Insurance Rates by Zip Code

You might be surprised to learn that your zip code could affect the cost of your insurance. Research has shown that accidents are more likely in some zip codes than others, meaning that drivers in these zip codes can expect to pay a premium. The higher the accidents in a zip code, the higher the insurance rates are likely to be.

Mobile covers portions of 35 zip codes, and each of these zip codes could have dramatically different insurance rates. Understanding how your zip code could affect the cost of your coverage is essential. Here are some comparisons for annual average premiums between a few zip codes.

Zip Code Average Annual Premium
36608 $1,920
36618 $1,872
36671 $1,920

Affordable Car Insurance Rates by Age in Mobile

Your age is another crucial factor in determining your car insurance rate. Teenagers generally pay significantly higher premiums, given that they are more likely to be involved in an accident. These rates fall until drivers reach their 30s. They remain consistent until drivers reach their 70s, at which point the insurance rates rise. Despite your age, there are different steps you can take to avoid the high costs of auto insurance.

Age Average Car Insurance Rate
Teenagers $6,615
20s $2,278
30s $1,567
40s $1,518
50s $1,423
60s $1,452
70s $1,735

Driving Conditions in Mobile

How Many Fatal Accidents Happen in Mobile?

In 2019, there were 30 fatal accidents in Mobile. In total, these accidents involved 48 different vehicles with 33 total fatalities. Of these accidents, 12 were attributed to drunk driving.

How Are the Road Infrastructure and Bridges in Mobile?

Mobile has had its struggles with infrastructure, including roads and bridges. According to the national transportation research group TRIP, over 32% of all roads in the city are in poor condition.

Statewide, Alabama also faces poor marks for its infrastructure. The state received a grade of C-, which is on par with most other states. However, roughly half of all roadways in Alabama were found to be in fair, poor, or very poor condition.

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Minimum Car Insurance Requirements in Mobile

Any time a motorist causes an accident in Alabama, they are held liable for the damage they caused. This is because Alabama is considered a “tort” state. In a tort state, it is possible to sue negligent drivers for damages when they cause an accident. To address the cost of these accidents, all Alabama motorists must carry a minimum level of insurance coverage. These minimums include:

  • $25,000 for bodily injuries per person
  • $50,000 for bodily injuries per accident
  • $25,000 for property damage per accident

There are other insurance requirements outside what is mandated by the government. Private lenders generally require drivers to take out full coverage when purchasing a vehicle. Full coverage includes liability insurance along with covering the policyholder’s damages.

Factors Allowed in Determining Mobile Car Insurance Rates

The cost of car insurance can vary dramatically from one Mobile resident to another. That is because there are many factors that combine to determine what your monthly premiums might be. These include:

  • Driving history
  • Credit score
  • Zipcode
  • Age
  • Gender
  • Marital status
  • Type of vehicle
  • Condition of the vehicle

Discounts for Car Insurance in Mobile

As a driver in Mobile, you have many options when it comes to saving money on car insurance. There are a variety of discounts, and you might be surprised at home many you qualify for. Some of the most popular discounts on car insurance include:

  • Blue icon of a document with a checklist

    Multi-policy discounts

  • Green icon of a military man

    Military discounts

  • Graphic of a man driving a car

    Safe driver discounts

  • Pink icon of a thief

    Anti-theft discounts

  • Blue icon of a graduation cap

    Good student discounts

There are often discounts available you may have never considered before. Always ask your insurance agent about what discounts might apply to you.

What Are the Penalties for Driving Without Insurance in Mobile?

The penalties for driving without insurance in Mobile can be steep—even for first-time offenders. These penalties vary in severity depending on if you have a prior conviction or not.

For a first offense, you could face up to a fine of $500 and as much as three months in jail. For second and subsequent offenses, you could receive as much as $3,000 in fines and six months in jail. Second and subsequent offenses also potentially bring license suspensions and other consequences, like the requirement to secure SR-22 insurance.

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Aerial View of Downtown Mobile Alabama AL Skyline

It is important that you protect yourself if an accident happens. The best way to do that is by having the appropriate amount of insurance coverage for your vehicle. Liability insurance is mandatory under state law, but it could be in your best interest to select a policy with better coverage.

Freeway Insurance is ready to help you find the policy you need. You can contact us online or at a Mobile office near you for your free quote. You can also call us at (800) 777-5620.