Rates for auto insurance in Mobile can change from year to year so it is important to comparison shop each year to make sure you’re receiving the best rates available. While many car insurance companies are raising rates, there are other carriers who will lower rates if their underwriting and loss ratios were successful for the previous year.
By shopping for new quotes before renewing an existing policy, you’ll be in a position to better understand the coverage available and find lower rates on your coverage.
Shopping for Mobile auto insurance is easy using our instant insurance quotes program. All you need to do is enter your zip code, answer a few questions and you’ll instantly receive quotes from multiple car insurance companies. Then you can take your time comparing rates and coverage to make a more informed decision about which policy is right for your needs.
Car Insurance Agents In Mobile
Many local agents offer car insurance in Mobile, and often insurance shoppers will want the extra personal service they receive by dealing with an insurance agent that lives and works in the local community. Agents can help you with evaluating coverage and finding policies that suit your budget and fully protect you financially.
Twenty (20) Allstate Insurance agents provide Mobile car insurance to drivers in the city and surrounding areas of Theodore and Saraland.
For auto insurance in Mobile, there are 50 agents representing Farmers Insurance with additional locations in Saraland, Semmes, Satsuma, Daphne, Spanish Fort, Fairhope, Bay Minette, Silverhill, Robertsdale, Foley, Gulf Shores, Atmore, Jackson, Evergreen, Thomasville, Butler, Andalusia, Selma, Enterprise, Troy, Prattville and Montgomery.
Geico Insurance offers a local agent for the Mobile area, and Alabama motorists may also visit the company’s website or call their support line for rate quotes and to purchase coverage.
Mobile, Alabama is home to 47 State Farm Insurance agents with office locations also available in Saraland, Daphne, Spanish Fort, Theodore, Fairhope, Semmes, Bay Minette, Grand Bay, Robertsdale, Foley and Citronelle.
Agent licensing information is available on the Alabama Department of Insurance website. Consumers may research whether a license is active, which companies an agent may represent and whether any complaints have been filed against either the agent or an insurance agency.
If your company is not included in our resource list, please let us know with our email form. Individual agent listings are accepted only through our paid feature section.
Mobile car Insurance Rates
With Mobile auto insurance rates averaging $1,559 per year according to CarInsurance.com, the city’s car insurance premiums are 24 percent lower than the national auto insurance premiums of $2,060. While this may be slightly higher than rates of other Alabama cities, drivers in the Mobile area can ensure they are receiving the best rates possible by looking for new quotes a few months before their six month or annual renewal.
Driving in Mobile
Mobile’s population is almost 200,000; however, the entire metropolitan area of Mobile County has a population of 412,000 according to the 2010 U.S. Census. The area is served by Interstate 10, which travels across the state of Alabama and connects to Interstate 65 within the city.
I-65 runs north connecting I-165 which loops back to connect to downtown Mobile at Interstate 10. Many U.S. and state highways move through this part of the state aiding drivers with alternate routes to reach their destinations. Mobile has a large public bus system with fixed routing and services in various neighborhoods all throughout the city.
Drivers in Mobile ranked as some of the safestin the country. According to the 2011 Allstate Best Drivers Report Mobile came in 26th out of 200 cities for low collision frequency and potential of being in an accident when driving in the city.
Although drivers in the city of Mobile ranked high for safety according to Allstate’s research, the National Highway Traffic Safety Administration found that the county of Mobile ranked 2nd for traffic fatalities between 2006 and 2010. In 2010 Mobile County suffered 69 vehicle related deaths representing a 19 percent increase in fatalities. These accidental deaths included 26 caused by alcohol impaired drivers, 25 crashes involving speed and 10 motorcycle related deaths.
WKRG News 5 offers traffic reports for Mobile using the Alabama Department of Transportation cameras and traffic information. Motorists may point their browser to the site to find driving information about major road construction, traffic accidents and congestion areas.
Alabama Auto Insurance Laws
All drivers in Alabama must have liability insurance, and the state imposes large penalty fees when drivers are caught uninsured. Violating Alabama auto insurance laws can result in $500 to $1,000 fines as well as suspension of driver’s license and license plates.
It is important to carry proof of car insurance in the vehicle in case you are stopped or become involved in an accident. Our online Alabama car insurance guide covers the minimum insurance requirements as well as the auto insurance laws that residents must follow in order to comply with the state’s regulations.
Although minimum liability requirements are low in the state, most drivers will need higher insurance limits as well as collision and comprehensive coverage in order to be completely protected.
Mobile Car Insurance Quotes
While Mobile car insurance is mandatory, drivers have many options to choose from when selecting coverage. The features and deductibles you choose in your policy determine the overall rates. By comparing quotes from several different companies, you will be better able to assess the policies that offer the right balance of rates and coverage to fully protect your vehicle while also meeting your budget. Find savings today by entering you zip code below to get started.