Mobile Car Insurance

The Zebra
May 30, 2018

Car Insurance in Mobile

Mobile premiums exceed the state average by $126, which is why the city is known for its pricey premiums. Let’s go over some ways to save on car insurance in Mobile.

  • City Average: $1,484
  • State Average: $1,358
  • National Average: $1,427

Mobile Car Insurance by Gender and Marital Status

Both marital status and gender are important considerations in determining the price of car insurance in Mobile. Single individuals spend 7% more per year on car insurance compared to those who are married. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper. Males have premiums that are approximately 2% cheaper than those for females.

  • Female: $1,520
  • Male: $1,484
  • Single: $1,484
  • Married: $1,389
  • Divorced: $1,489
  • Widowed: $1,472

Mobile Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. $1,011 is the additional cost per year for drivers with a DUI in Mobile, compared to the city average of $1,484. Reckless driving will also push your premiums up, with typical rates of $2,440, which are 64% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. Expect your yearly car insurance premiums to increase by $706 if you are found at-fault in an accident in Mobile.

  • DUI: $2,495
  • Reckless Driving: $2,440
  • At-fault Accident (damages less than $1000): $2,190
  • At-fault Accident (damages greater than $2000): $2,190
  • Speeding Ticket (16-20 mph over speed limit): $1,796

Mobile Car Insurance by Credit Rating

Individuals with Very Poor credit (300-579) normally pay 2.7x more every year for car insurance than those with Exceptional credit (800-850). Drivers can save nearly $383 per year when they upgrade their credit tier from Very Good (740-799) to Exceptional (800-850).

  • Very Poor: $3,232
  • Fair: $2,521
  • Good: $1,999
  • Very Good: $1,589
  • Exceptional: $1,206

Mobile Car Insurance by Age

In Mobile, when drivers hit their 20s, therefore moving out of the teenage age range, they pay 69% less in premiums. It is the largest difference between any age group. The first time drivers can anticipate their age to trigger a rise in car insurance premiums is when they turn 60. Teenage drivers have the most expensive rates of any age group, with car insurance payments of $6,697 on average. Drivers in their 50s save money on car insurance, as they have the smallest rates among all age groups, paying only $1,320 annually. People in their 60s ($1,341) also have relatively low premiums.

  • Teenagers: $6,697
  • 20s: $2,109
  • 30s: $1,465
  • 40s: $1,415
  • 50s: $1,320
  • 60s: $1,341
  • 70s: $1,615

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