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 Average||National Average|
Compare rates side-by-side:
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 Company||Average Yearly Rate|
Mobile auto insurance rates by age
The age group that enjoys the lowest auto insurance rates in Mobile are drivers in their age_50s, who pay an average of $1,423per year. Drivers in their age_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 bracket||Average Annual Rate|
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/Gender||Average Annual Rate|
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
|Incident||Average Annual Rate|
|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|
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 Level||Average Yearly Rate|