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|
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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:
Safe driver discounts
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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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.