Mobile, AL Car Insurance

Drivers in Mobile pay $132 per month on average for car insurance. Are you paying too much?

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How much does auto insurance cost in Mobile?

 

The average cost of auto insurance in Mobile is $1,592 per year. That's pricier than the statewide average in Alabama ($1,450) and more costly than the national average of $1,548. Our guide to Mobile auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
AUTO INSURANCE: MOBILE RATES VS. STATE + NATIONAL AVERAGES
Mobile Average (yearly)Alabama AverageNational Average
$1,592$1,450$1,548
 
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Mobile auto insurance rates by provider

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Mobile, USAA offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Mobile. Don't forget to get car insurance quotes based on your unique driving profile.

 
MOBILE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
USAA$1,016
GEICO$1,048
Allstate$1,634
Alfa$1,766
Progressive$1,819
 

Consult our expert guide to finding the best cheap car insurance.

 
 

 

Mobile auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in Mobile are drivers in their 50s, who pay an average of $1,423 per year. Drivers in their 60s pay marginally higher rates — $1,452 per year.

Teenage drivers pay Mobile's most expensive insurance rates. When Mobile drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Mobile is $4,337. That's the biggest gap in premiums between any pair of age brackets.

 
MOBILE CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$6,615
20s$2,278
30s$1,567
40s$1,518
50s$1,423
60s$1,452
70s$1,735
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Mobile auto insurance rates by gender and marital status

 

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Mobile pay $124 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Mobile, widowed drivers pay less than those who are single.

Gender is another factor that can impact auto insurance costs. Mobile's car insurance cost gap by gender is $6 per year, with male drivers paying more than female drivers.

 
MOBILE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,587
Male$1,592
Single$1,469
Married$1,469
Divorced$1,592
Widowed$1,551
 

Learn more about the impact gender and marital status have on insurance rates.

 
 

 

Mobile auto insurance costs by citation and accident history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Mobile, a reckless driving citation results in an average insurance rate increase of $967 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,010 increase and a speeding ticket triggers a $255 rate hike.

 
MOBILE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$2,602
Reckless Driving$2,559
At-fault Accident (damages < $1,000)$2,150
At-fault Accident (damages greater than $2,000)$2,304
Speeding Ticket (16-20 mph over speed limit)$1,847
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Mobile auto insurance premiums by credit score

 

A driver's credit level can be closely correlated with their auto insurance rates. In fact, Mobile drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 63% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Mobile, improving your credit to "Fair" could help you earn $1,497 in savings on insurance premiums each year.

 
MOBILE CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit LevelAverage Yearly Rate
Very Poor$3,464
Fair$1,967
Good$1,592
Very Good$1,430
Exceptional$1,272
 

Get additional information on how credit impacts car insurance costs.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.