Cheapest Mobile Alabama Insurance

What town gets the cheapest Mobile Alabama insurance? Location determines price. A house in one town will not get the same price as that same house in another town.

The Typical Home

Let’s experiment! Imagine we can take 1 house, the typical home, and move it around Mobile County. The typical house has these features:

• Built in 2005, 1 story, brick home, hipped shingled roof, 3 bed, 2 bath, with a 2 car garage.
• The home is also within 5 miles of a fire department and within 1000 feet of a hydrant.
• The the customer has had no claims, repossession, foreclosure, or bankruptcy.
• The home is not in a hazardous area.

Coverage A – Dwelling = $200,000

Coverage B – Dwelling = $20,000

Coverage C – Dwelling = $50,000

Coverage D – Dwelling = $20,000

Coverage E – Dwelling = $300,000

Coverage F – Dwelling = $1,000

 

All Other Peril (AOP) deductible = $2,500

Wind Deductible = $2,500

Named Storm Deductible = $10,000

 

Note that a different house would get different prices. Here are the towns that get the cheapest Mobile Alabama insurance:

Mount Vernon	$800
Citronelle	$850
Chunchula	$850
Turnerville	$850
Satsuma	$950
Creola	$950
Wilmer	$1,000
Saraland	$1,050
Semmes	$1,050
Seven Hills	$1,150
Chickasaw	$1,250
Crawford	$1,250
Mobile	$1,350
Theodore	$1,350
Tillman’s Corner	$1,500
Grand Bay	$1,950
Irvington	$2,000
Bayou La Batre	$2,000
Coden	$2,200
Prichard	$2,600
Dauphin Island	$4,500

Mobile County Details

But there are more details on why these towns get the cheapest Mobile Alabama insurance. Each town has measurements to the Mobile Bay and Gulf of Mexico. Typically, a home that is farther from the coast is cheaper to insure. There are also Mobile County fire station protection classes. The lower a protection class (PC), the cheaper the insurance.

 

Mount Vernon – Mount Vernon AL 36560 PC6-9 27 miles to the bay and 50 miles to the gulf. Homeowners in Mount Vernon can expect to pay a yearly amount of $800.

Citronelle – Citronelle AL 36522 PC5-9 29 miles to the bay, 47 miles to the gulf. Homeowners in Citronelle can expect to pay a yearly amount of $850.

Chunchula – Chunchula AL 36521 (PC 04-09 by Georgetown Fellowship) 21 miles to the bay, 38 miles to the gulf (almost the same as Turnerville). Homeowners in Chunchula can expect to pay a yearly amount of $850.

Turnerville – Turnerville AL 36521 PC 05-09 21 miles to the bay, 41 miles to the gulf (almost the same as Chunchula). Homeowners in Turnerville can expect to pay a yearly amount of $850.

Creola – Creola AL 36525 PC7-9 14 miles to the bay 38 miles to the gulf. Homeowners in Creola can expect to pay a yearly amount of $950.

Satsuma – Satsuma AL 36572 PC4-9 11 bay 34 gulf is another town that gets low insurance prices. It’s north of I-10 and receives the benefits of cheap wind insurance. A risk that some homes may have is from flooding if they are located too close to Gunnison Creek. Homeowners in Satsuma can expect to pay a yearly amount of $950.

Wilmer – Wilmer AL 36587 (Semmes PC5-9) 17 miles to the bay, 29 miles to the gulf (almost the same as Tanner Williams). Homeowners in Wilmer can expect to pay a yearly amount of $1000.

Saraland – Saraland AL 36571 PC4-9 7 miles from the bay, 30 miles from the gulf. gets low rates for house insurance! It’s located 100% over I-10, which is great for wind insurance prices. With not much water around, it’s also less risk flood insurance. Homeowners in Saraland can expect to pay a yearly amount of $1050.

Semmes – Semmes AL 36575 PC5-9 15 miles to the bay and 25 miles to the gulf. Homeowners in Semmes can expect to pay a yearly amount of $1050

Tanner Williams – Tanner Williams AL 36587 PC 6-10 20 miles to the bay, 20 miles to the gulf (almost the same as Wilmer). Homeowners in Tanner Williams can expect to pay a yearly amount of $1150.

Seven Hills – Seven Hills AL 36695 PC 05-09 14 miles to the bay, 17 miles to the gulf. Homeowners in Seven Hills can expect to pay a yearly amount of $1200.

Chickasaw – Chickasaw AL 36611 PC4-9 5 miles to the bay, 27 miles to the gulf. Homeowners in Chickasaw can expect to pay a yearly amount of $1250.

Crawford – Crawford AL 36618 PC5-9 by Semmes 10 miles to the bay, 25 miles to the gulf. Homeowners in Crawford can expect to pay a yearly amount of $1250.

Mobile – Mobile AL 36695 (zip 36601-36695) PC3-9 12 miles from the bay and 16 miles to the gulf. Homeowners in the city limits of Mobile can expect to pay a yearly amount of $1350.

Theodore – Theodore AL 36582 X 5 miles to the bay and 12 miles to the gulf. Homeowners in Theodore can expect to pay a yearly amount of $1350.

Tillmans Corner – Tillman’s Corner AL 36619 PC 03-09 5 miles to the bay, 15 miles to the gulf. Homeowners in Tillman’s Corner can expect to pay a yearly amount of $1500

Grand Bay – Grand Bay AL 36541 PC5-9 12 miles to the bay, 3 miles to the gulf. Homeowners in Grand Bay can expect to pay a yearly amount of $1950.

Irvington – Irvington AL 36544 PC6-9 7 miles to the bay and 8 miles to the gulf. Homeowners in Irvington can expect to pay a yearly amount of $2000.

Bayou La Batre – Bayou La Batre AL 36509 PC6-9 7 miles to the bay, 0.5 miles to the gulf. Homeowners in Bayou La Batre can expect to pay a yearly amount of $2000.

Coden – Coden AL 36523 PC6-9 by Alabama Port 2 miles to the bay, 1 mile to the gulf. Homeowners in Coden can expect to pay a yearly amount of $2200.

Eight Mile – Eight Mile AL 36613 PC4-9 8 miles to the bay and 27 miles to the gulf. Homeowners in Eight Mile can expect to pay a yearly amount of $2600.

Prichard – Prichard AL 36610, 36612, 36613, 36617 PC5-9 3 miles to the bay and 26 miles to the gulf. Homeowners in Prichard can expect to pay a yearly amount of $2600.

Dauphin Island – Dauphin Island AL 36528 is located to the very south of Mobile. This island is pretty much a sand bar. It has a fire protection class of 5 &9. It is located 0.5 miles to the bay and 0.5 miles to the gulf. Homeowners in Dauphin Island can expect to pay a yearly amount of $4500.