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Cheap Car Insurance in Mobile, Alabama

Mobile, Alabama, is a city for known for Mardi Gras, Moon Pies, beautiful azaleas and cheap car insurance. With a population of about 193,000, Alabama’s third-largest city boasts the state’s only salt water port at the head of Mobile Bay. With the oldest organized Carnival celebrations in the U.S., it was the first capital of colonial French Louisiana in 1702. Today, more than 1.2 million people live in a 60-mile radius of the city. Mobile is home to the Battleship USS Alabama, which has been open to the public for tours since 1965.

Driving Conditions in Mobile

Airport Boulevard is described by locals as an unavoidable evil, and drivers can expect heavy traffic on the interstate bridge heading west out of Mobile on Interstate-10, particularly on weekends during the summer.

Nevertheless, compared to average U.S. city commute of about 26 minutes, Mobile has a slightly shorter average commute time at just under 24 minutes, according to Census Bureau data.

Real-time cameras, maps and traffic information can be accessed at alitsweb2.dot.state.al.us.

Unique Laws in Mobile

Alabama laws prohibit 16-year-old drivers from having more than 4 occupants in the car unless accompanied by a parent or guardian, and they cannot drive between midnight and 6 a.m. unless going to school, work or a medical emergency.

A list of odd laws assembled by Thrillist points out that Alabama, thankfully, has banned driving while blindfolded. A 1964 Birmingham law states it is illegal “for a toilet facility to become so unclean “that foul and offensive odors arise therefrom.” Other city statues ban putting slugs or buttons into parking meters, skating outside a church while services are in session or riding a bicycle at “a speed greater than reasonable and prudent under the conditions then existing.”

Mobile Crime Statistics

Mobile ranked 101st among U.S. Cities with the most violent crime in 2015 and 41st in property crimes, according to FBI data. The Mobile metro area 1,519 cases of auto theft in 2016, according to the National Insurance Crime Bureau, or a rate of 375 incidents per 100,000 people, higher than the U.S. average of 220 incidents per 100,000 people.

Mobile Safety Requirements

Drivers and front-seat passengers must wear seat belts in Alabama. Babies up to a year old or 20 pounds must ride in a rear-facing infant seat, and those up to age 5 or 40 pounds must ride in a child safety seat. Five-and 6-year-olds are required to ride in booster seats, and anyone under 15 must wear a seat belt. Drivers aged 16 and 17 with intermediate licenses are banned from using cellphones. Texting and driving has been prohibited in Alabama since 2012.

Mobile Impaired Driving Laws

Like the rest of the U.S., the legal breath or blood alcohol content threshold in Alabama is 0.08.

There is no minimum mandatory jail sentence for first-time offenders, but they will pay up to $2,000 in fines and receive a driver’s license suspension of 90 days, according to the Alabama Law Enforcement Agency. Second offenders serve a minimum of 48 hours in jail and pay higher fines, while third offenders spend 60 days in jail and can pay up to $10,000 in fines with up to three years license revocation. For cheap auto insurance in Mobile, let us compare rates to find the best value.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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