Car Insurance in Mobile, Alabama

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Looking for car insurance in Mobile, Alabama? NerdWallet has outlined the insurance regulations and facts you need to know before you buy.

Minimum Insurance Requirements in Alabama

According to Alabama law, all drivers are required to carry liability insurance. The minimum requirements are:

  • $25,000 per person for bodily injury or death
  • $50,000 per accident for bodily injury or death
  • $25,000 per accident for property damage

Collision insurance and comprehensive coverage can be worth the extra money if you have a newer vehicle. Additionally, uninsured motorist insurance can provide more thorough protection for you and your passengers.

For more information, visit NerdWallet’s page about car insurance in Alabama.

What You Need to Know

Car insurance rates in Mobile are much lower than the national average. Here are some factors that affect rates:

Population Density

With a population just shy of 200,000, Mobile has about 1,400 people per square mile, making it a less densely populated area than some of its larger counterparts. Because Mobile drivers most likely won’t be encountering lots of traffic on their way to work every day, they pay less in car insurance premiums.

Frequency of Loss

According to a 2013 report by Allstate, the likelihood of getting into an auto accident in Mobile is 11.3% lower than the national average, making the city one of the safest places to drive in the U.S.

Auto Theft Rates

Mobile’s metropolitan area reported about 300 car thefts per 100,000 residents in 2013, which is about 35% higher than the national rate, according to FBI data.

Commuting Times

According to census data from 2008-2012, Mobile locals only spend 21 minutes getting to work every day. That’s 4 minutes less than the national average. With 2 public transportation companies in the city, it’s also easy for residents to get around town while cutting down on their mileage.

Weather

With an average of 66 inches of precipitation per year, Mobile residents experience humid summers and rainy winters, which can lead to occasionally difficult driving conditions. Because of the city’s coastal location, the area is also vulnerable to hurricanes and tropical storms, which can cause significant property damage. Most recently, the city was struck by Hurricane Ivan, which caused billions of dollars in damages throughout the Gulf Coast.

Changing Climate Affects Mobile Roads

A study by the U.S. Department of Transportation found that, due to climate change, sea levels are likely to rise in the Gulf Coast region by as much as 6-7 feet in certain regions. Since Mobile sits on the coastline, this could cause precipitation levels and temperatures to rise in the city, leading to more frequent and intense storms. With more bad weather, locals could face more dangerous driving conditions due to slick roads, poor visibility and debris.

To reduce these potential risks for drivers, the U.S. DOT is in the process of assessing the vulnerability of Mobile’s transportation system to climate change. When that phase of the project is completed, they will work to develop risk management tools to help system planners, owners and operators keep the roads safe.

Find the Best Car Insurance in Mobile

Looking for more information? Check out NerdWallet’s page about the cheapest car insurance in Nebraska.