Mobile Insurance Rates:

Mobile, AL home insurance is about $811 to $1,098, about $67-$91/month. Our all inclusive analysis shows customers can save as much as $382 by comparing multiple quotes

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Mobile Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $170/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1350 sqft Rental Property Constructed In 1991 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $820/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2220 sqft Primary Residence Constructed In 1964 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $450/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1840 sqft Rental Property Constructed In 1974 with Stone Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $390/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1210 sqft Seasonal Residence Constructed In 1978 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $630/6 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2373 sqft Rental Property Constructed In 1960 with Wood Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Female who is Unemployed and has More than 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Click here for Zip Code data

Mobile Rates & Quotes Analysis:

Mobile Area Estimated House Insurance
Driver St, S Bessemer Ave, Berwyn Dr W, Viaduct Rd, S Waringwood Dr, River Forest Dr, Marengo Dr, S Thigpen Dr, Venella Ave, W Elm St$932
Cherry Dr, Peyton Ct, Sarah St, Newton St, Cherokee St, Belvedere Cir S, Pickell Dr, Ostrom Dr, Nelson Dr, Roxboro Ct$934
W Sheffield Cir, Charles St, Racelia Dr, Wilson Blvd, Snyder Dr, Maudelayne Dr N, Burlington Ct, Dartmouth Dr, Springhill Trce, W Chadwick Dr$982
Lucille St, Hickory Ln, Carmary Dr, Yester Oaks Dr, Wellington St, Brighton Pl, Chatague Ave, Reed Rd, Dodge Dr S, N Fontainebleau Dr$918
Saint Johns Chapel Rd, Youngs Aly, Gorums Ln, Barbara Dr, Skidmore St, Quail Run E, Blair Ave, Fordham Rd, Jared Ct, Parkwood Dr W$952
Washam St, Devendel Ln, Park Pines Dr, Chandler St, Hillwood Dr W, S Ridge Rd, S Reed Ave, Setter Rd, Harper Ave, Woodcliff Dr N$941
Pennington Cir, Union Ave, Almeda Ct, University Blvd, N Fairport Dr, Point Legere Rd, Heather St, Pvt Rd 155, E Morlee Dr, Magnolia St$919
Etheridge St, Martha Alleyn Dr, S Thomas Ave, Cobblestone Way W, Eugene Ave, Dewitt Ave, Wyoming Cir, Garmons Ln, Perimeter Rd, Thompson Blvd$986
Gibson Pl W, Baratara Dr, Rebecca Dr W, Valmoral Dr, Bank Ave, Indian Creek Dr S, Penny Ln, Mallard Dr, Carter St, Crabtree Ln E$968
Wiley St, Princess Helen Rd W, Duncan St, S Jefferson St, S Druid Dr, S Noble Dr, Cedar Downs Dr, S Muir Woods Ct, Binghamton Dr, Albert St$948

Insurance rates are influenced by a number of factors including:

  • Year Built: 21,890 Homes (20% of total) built between 1970 to 1979 in Mobile are paying home insurance between $1,549-$1,563 compared to Saraland (+$12), Satsuma (+$31), Creola (+$19), Chickasaw (-$35) and Prichard (-$50).
  • Bedrooms: 15,114 4 bedrooms homes (14% of total homes ) in Mobile are paying about $1,279. Areas near to Mobile such as Satsuma, Creola, Semmes are costlier by $17, $16, $14 respectively whereas Chickasaw and Prichard are more economical by $28, $41 respectively for similar homes.
  • Auto Insurance Bundling: 14,826 Households (25% of all households) in Mobile have 3 or more vehicles available and when it is bundled with home insurance you can save $238. Discounts for similar bundling in close by locations such as Chickasaw, Prichard, Saraland come to $233, $231, $240 respectively.
  • Senior Discounts: 31,355 seniors (more than 55 years) occupied housing units (53% of total) in Mobile get discounts between $142 to $145 and varies from Chickasaw ($140), Prichard ($138), Saraland ($144).
  • New Homes discounts: New homes such as the 35,719 homes built between 2000 to 2009 in Mobile can save $191 and similar new home insurance discounts in nearby towns and cities like Chickasaw, Prichard and Saraland are $186, $184 and $192 respectively.

Mobile Homeowners insurance Facts

  • Mobile, AL has 58,968 owner occupied houses which is 64.7% of all units whereas Chickasaw, Prichard and Saraland have 61.08%, 58.74% and 74.74% respectively.
  • Mobile, AL homeowners yearly insurance price at $955 is 0.82% of the typical house value of $116,600 which is in contrast with 1.11% in Chickasaw, 1.37% at Prichard & 0.74% in Saraland.
  • Homeowners in Mobile, AL pay 2.55% of their income ($35,000 to $39,999) in insurance whereas homeowners in Chickasaw, Prichard and Saraland pay 2.49%, 2.46% and 2.57% respectively.
  • Mobile, AL’s insurance is 6.8% of monthly housing costs of $1,174/month, for owners with a mortgage compared to 7.81% in Chickasaw, 8.16% at Prichard & 6.85% in Saraland. But, for households without a mortgage, insurance is 20.7% of costs ($384 in Mobile, AL) in contrast with 22.83% in Chickasaw, 22.65% at Prichard & 21.78% in Saraland.

Mobile, AL Home Values & Insurance rates

For example, insurance for 3,497 Homes (6.0% of total homes ) valued between $90,000 to $99,999 in Mobile, AL is about $773. Rates in nearby areas in such as Saraland, Satsuma, Creola are cheaper by $71, $159, $106 respectively while Chickasaw and Prichard are costlier by $282 and $520 respectively for similar homes.

Mobile, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 6,925 12.0% $200
$50,000 to $59,999 2,433 4.0% $429
$60,000 to $69,999 3,459 6.0% $525
$70,000 to $79,999 3,570 6.0% $611
$80,000 to $89,999 4,861 8.0% $687
$90,000 to $99,999 3,497 6.0% $773
$100,000 to $124,999 7,159 12.0% $897
$125,000 to $149,999 6,712 12.0% $1117
$150,000 to $174,999 5,995 10.0% $1327
$175,000 to $199,999 2,997 5.0% $1528
$200,000 to $249,999 3,393 6.0% $1843
$250,000 to $299,999 2,636 4.0% $2253
$300,000 to $399,999 2,278 4.0% $2865

Renters Insurance in Mobile

  • Average Renters Insurance in Mobile :  $243($20/month)

  • Median Gross Rent in Mobile :  $731

  • Mobile Renters Insurance to Median Rent Ratio:  2.74%

  • Renter occupied housing units in Mobile :  32,222

Mobile Renters Insurance as a Percentage of Rent

Mobile Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 696 2.0% $360
$200 to $299 1,496 5.0% $810
$300 to $499 3,621 12.0% $1260
$500 to $749 9,857 33.0% $1935
$750 to $999 8,170 27.0% $2685
$1,000 to $1,499 5,090 17.0% $3810
$1,500 or more 524 1.0% $5460

Rent Affordability in Mobile:

Approximately 58.0% (18,987) of households are spending more than 35% of their income on gross rent in Mobile

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,649 8.0%
15.0 to 19.9 percent 2,249 6.0%
20.0 to 24.9 percent 2,917 9.0%
25.0 to 29.9 percent 3,058 9.0%
30.0 to 34.9 percent 2,362 7.0%
35.0 percent or more 18,987 58.0%

Protective device discount in Mobile Up to :  $36

Claims-free discount in Mobile Up to :  $48

Mobile, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36607 $89,300 $950
36611 $83,800 $940
36605 $83,100 $940
36603 $76,800 $930
36617 $73,700 $930
36612 $66,800 $930
36610 $54,500 $920
36602 $243,200 $1,040
36695 $178,100 $1,010
36604 $160,300 $1,000
36608 $160,200 $990
36693 $152,000 $990
36609 $141,700 $970
36619 $126,600 $980
36618 $116,300 $960
36606 $107,800 $960