Mobile Insurance Rates:

Mobile, AL homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I like the customer service. I like the reminders when a premiums is almost due. I like the company overall.
Universal Property & Casualty Insurance Company
I like that this company is quite inexpensive in relation to other competing companies. The provided policy was easy to comprehend and offered many discounts. The process of obtaining the policy and cancellation of my old policy was easy and seamless.
Farmer's Insurance
I have struggled to get a reply from the help/contact line. I just had questions regarding the billing I received and I sent an email. I did not get a reply so I have called the 800 number. It was difficult at best and I do not believe that my invoice is still straightened out.
Progressive
I have a log home, so very few companies cover this type of home. Because of this, I have to pay nearly double the premium of a similarly sized house made of conventional materials.
Progressive
I have not needed to speak with customer service yet. So, I do not have a rating. But like I said earlier, I'd like to be able to get new quotes without having to speak with someone.
State Farm
I like that they do not discriminate against dog breeds (specifically pit bulls). I also like how easy it is to speak to a real person I call. They are always kind and do their best to answer any question I have.
State Farm
It is very easy to use. Even for people who are not technologically savvy, it is easy to understand and get to where you want to get to.
Farmer's Insurance
Customer service, premiums are too high
State Farm
Easy to work with and a great company for house insurance and insurance in general. I do not plan on switching anytime soon, as they meet all my current insurance needs.
Geico
I don't have any dislikes as I have yet to run across an issue with them. Maybe the fact that I could use more time if I had to extend a bill payment so more than a week leeway for a payment that I can't make on time?
Horace Mann Educators Corporation
I think the premiums could be a little lower. Additionally, whenever I have an issue, it can be difficult to get a hold of a representative to have a real conversation about what I need.
Progressive
I like that they offer different aspects of insurance so you can get all of your needs covered by one company.
State Farm
I also don't like the estimating process they use when assessing damage for a potential claim. i feel like they offer too little reimbursement and value damage, much less than typical market value.
Nationwide
OUR CUSTOMER SERVICE IS VERY GOOD. WE CAN REACH OUR AGENT ANYTIME AT THE OFFICE OR AT HOME. WE HAD THE SAME AGENT FOR YEARS
Progressive
The company needs to foster better relationships with these customers offering them additional support during times of uncertainty and problems.

Mobile, AL Homeowners Insurance By Home Value

Mobile, AL Home Value Total Homes % of Total Average Mobile, AL 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

Top Home Insurance Agents Near Mobile, AL

Home Insurance Company Near Mobile, AL Homeowners Insurance Agency Near Mobile, AL Address
NA Lucedale Insurance Agency Inc Po Box 178, Lucedale, MS, 39452
Nationwide Adrienne L Tucker & Associates Inc 7875 Moffett Rd Ste D, Semmes, AL, 36575
State Farm Donna Gatlin 401 Sarald Blvd S, Saraland, AL, 36571-2812
State Farm Doug Taylor 21783 A Hwy 59, Robertsdale, AL, 36567
Travelers Statewide Auto & Home 3221 SPRING HILL AVE, MOBILE, AL, 36607

Cost Of Homeowners Insurance By Street Near Mobile, AL

Streets in Mobile Area Homeowners Insurance Cost
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

Mobile, AL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Mobile$142 to $145
Chickasaw$140
Prichard$138
Saraland$144

Mobile, AL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Chickasaw city, Alabama $117 $155 $233
Prichard city, Alabama $116 $154 $231
Saraland city, Alabama $120 $160 $240

Mobile, AL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Mobile, AL6.8%20.7%
Chickasaw7.81%22.83%
Prichard8.16%22.65%
Saraland6.85%21.78%

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

Mobile, AL Homeowners 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

Average Cost Of Home Insurance By Company In Areas Nearby Mobile For Different Scenarios

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual General Insurance Co 2509
$500 $150,000 Allstate Vehicle And Property Insurance Company 749
$500 $150,000 Armed Forces Insurance Exchange 833
$500 $150,000 Mid Century Ins Co 1493
$500 $150,000 Safeco Insurance Company Of America 1018
$500 $150,000 United Services Automobile Association 1209
$500 $300,000 American National Property & Casualty Company 1098
$500 $300,000 Amica Mutual Ins Company 3020
$500 $300,000 Guideone Specialty Mutual Insurance Co 1988

Mobile, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Mobile Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,000$4,400
Net Savings to Mobile Home Owner from High Deductible Plan $600

Mobile, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Mobile, AL Home Replacement Value MORE than Home Value Mobile, AL Home Replacement Value LESS than Home Value
Replacement Value $86,500 $67,000
Insurance Premium based on Replacement Value $475 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $11,000 Risk Exposure from Under Insuring Coverage is $8,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Mobile Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualAmica Mutual Insurance Company
Monthly Premium 674662
Year Built 196019741985
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$200000-$250000$250000-$300000
Deductible $2500-$5000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Mobile, AL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 95,000 Asphalt Shingles Roof 1,540 3 $1000-$2500 Deductible 270 8 Vinyl siding yes
1978 250,000 Membrane Roof 3,910 5 $2500-$5000 Deductible 160 2 Brick siding No
1961 160,000 Slate Shingles Roof 2,130 4 $500- $1000 Deductible 270 5 Fiber-Cement Siding yes
1994 170,000 Shingles Roof 2,220 3 $2500-$5000 Deductible 620 10 Stucco siding yes
1967 320,000 Slate Shingles Roof 3,980 5 $2500-$5000 Deductible 630 5 Brick siding No
1982 105,000 Metal Roof 1,550 5 $1000-$2500 Deductible 240 7 Wood siding yes
1983 165,000 Tile Roof 2,530 4 $500- $1000 Deductible 190 3 Fiber-Cement Siding No
1975 300,000 Wood Shake Roof 3,700 5 $500 Deductible 990 8 Fiber-Cement Siding No
1993 200,000 Asphalt Shingles Roof 3,010 4 $5000 to $10,000 Deductible 600 10 Wood siding No
1987 255,000 Metal Roof 2,840 4 $2500-$5000 Deductible 410 5 Stucco siding yes
1970 115,000 Shingles Roof 1,740 3 $500 Deductible 260 9 Brick siding yes
1963 155,000 Tile Roof 2,240 3 $500 Deductible 590 12 Stucco siding No
1999 160,000 Slate Shingles Roof 1,950 3 $500- $1000 Deductible 850 12 Stucco siding No
1967 260,000 Wood Shake Roof 3,380 5 $500 Deductible 460 4 Stone Siding yes
1968 225,000 Membrane Roof 2,670 4 $5000 to $10,000 Deductible 290 6 Brick siding No
1989 155,000 Metal Roof 1,890 4 $5000 to $10,000 Deductible 90 2 Vinyl siding yes
1966 245,000 Slate Shingles Roof 3,370 5 $500 Deductible 360 4 Fiber-Cement Siding yes
1977 295,000 Asphalt Shingles Roof 4,420 5 $5000 to $10,000 Deductible 440 6 Fiber-Cement Siding No
1986 395,000 Tile Roof 4,220 5 $500 Deductible 240 2 Wood siding No
1985 120,000 Tile Roof 1,630 3 $500- $1000 Deductible 310 7 Stucco siding No
1991 125,000 Asphalt Shingles Roof 1,350 3 $1000-$2500 Deductible 170 3 Brick siding yes
1964 190,000 Membrane Roof 2,220 4 $500 Deductible 820 8 Wood siding No
1974 145,000 Metal Roof 1,840 4 $1000-$2500 Deductible 450 8 Stone Siding No
1978 110,000 Wood Shake Roof 1,210 3 $500- $1000 Deductible 390 10 Wood siding No
1960 155,000 Metal Roof 2,373 4 $2500-$5000 Deductible 630 6 Stone Siding yes