Mobile Car Insurance

Everything You Need to Know about Car Insurance in Mobile, AL

(Find the right car insurance policy for you)

Mobile, AL, is a bustling metropolitan area — home to 195,111 residents and rich in historical roots. Tourists flock to the area to experience southern Alabama culture with delicious food, great hospitality, and a festive community. It can get busy in the Mobile area — especially during Mardi Gras, rush hour, and University of South Alabama football games, which is why you need comprehensive car insurance to keep you fully protected.

Our independent insurance agents can assess the unique risks you face as an Alabama driver and Mobile resident. Our local, friendly agents will work hard to find you a Mobile auto insurance policy that meets your needs while staying within your budget. Receiving 360 degrees of protection is easy when you team up with a reliable agent.

  • National average cost per year: $1,004
  • Alabama average cost per year: $857
  • $2 billion in claim losses

Alabama may have the 22nd most expensive auto premiums in the US, but that doesn't mean you should be overpaying for your insurance. Car coverage should be completely personalized, taking into account your vehicle's age, model, and average annual mileage. An independent insurance agent will find a policy that tackles your risks and fits within your price range so you can have peace of mind when you're behind the wheel.

Alabama Car Insurance Requirements

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Minimum liability limits: 25/50/25

As an Alabama driver, you're required to have a minimum coverage of up to $25,000 for an individual injury, $50,000 total for all injuries, and $25,000 for property damage. These limits will help you pay for any medical bills or necessary car repairs so you can stay financially stable. But a bigger accident can easily surpass these limits, which is why you should consider talking through your options with an agent.

Number of Uninsured Motorists in Alabama

  • Number of uninsured US drivers: 13%
  • Number of uninsured Alabama drivers: 18%

You're not technically required to have uninsured motorist coverage in Alabama, which means there are many careless drivers on the road. To ensure that you're protected, take a look at your car insurance policy for uninsured motorist coverage. This extra layer of insurance helps you receive compensation after an accident with an unprepared driver. Our agents can explain the details and get you set up with the most ideal policy out there.

Number of Auto Thefts in Alabama

  • National number of thefts per 1,000 vehicles: 3.58
  • Number of thefts per 1,000 vehicles in Alabama: 2.68

You don't think it's going to happen until it does. Mobile may be a relatively safe area, but you should still take precautionary measures such as parking under street lights and hiding valuables in the trunk. Thefts and break-ins can be big financial burdens when you have to fix broken windows and replace stolen personal property. But you won't need to worry with a comprehensive Mobile car insurance policy. You'll receive compensation in a timely manner so you can get back on the road with the confidence that you're fully protected.

Find a Great Mobile Car Insurance Policy

Because our independent insurance agents aren't tied down to one carrier, they can get quotes from numerous insurance carriers to give you a multitude of Mobile auto insurance policy options. Whether you just purchased a new vehicle or have had the same policy for a decade, our agents will assess your risks and answer your questions. We take pride in offering the Mobile community with affordable and all-inclusive car insurance.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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