In Mobile, State Farm stands out for balancing affordability, service and coverage, ranking among the best homeowners insurance companies nationwide for its reliability and claims handling. If you're focused on cost, State Farm also provides the lowest cost at $393 per month.
Cheap Home Insurance in Mobile
Updated: October 30, 2025
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Key Takeaways
For homeowners in Mobile, State Farm provides the best overall value and offers the most affordable coverage at $4,718 annually.
On average, home insurance in Mobile costs $1,375 per month or $16,498 per year.
To find the right home insurance in Mobile, determine how much coverage you need, research insurers and get multiple quotes.
Best Cheap Home Insurance Companies in Mobile
| State Farm | 93 | $393 | $4,718 |
| COUNTRY Financial | 80 | $425 | $5,104 |
| Nationwide | 75 | $1,007 | $12,081 |
| Farmers | 73 | $979 | $11,747 |
| Allstate | 66 | $905 | $10,866 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Mobile Home Insurance Cost?
Home insurance rates in Mobile depend on factors like your home's age, chosen coverage and personal profile. Costs range from $545 to $4,377 per month. Use the table below to explore rates tailored to your situation based on your home's age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $545 | $6,535 |
How to Get the Best Cheap Home Insurance in Mobile
Finding affordable coverage in a coastal city like Mobile can be tricky. Understanding what affects premiums, from roof type and location to bundled policy discounts, can help you lock in more affordable home insurance rates even in high-risk areas.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Home insurance rates in Alabama can swing dramatically depending on where you live. Reviewing the best homeowners insurance in Alabama can give you a sense of which companies consistently perform well across the state, both for affordability and claim satisfaction, before narrowing your search to Mobile-specific providers.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Mobile: Bottom Line
The top three best and cheapest home insurance providers in Mobile are State Farm, COUNTRY Financial and Nationwide. While these are our recommendations for Mobile, insurance prices can differ across Alabama. If you’re comparing options statewide, our overview of cheap homeowners insurance in Alabama highlights which companies offer the lowest average premiums.
Mobile Home Insurance: FAQ
Below, we've answered common questions about home insurance in Mobile.
Who offers the best home insurance in Mobile?
Our top pick for home insurance in Mobile is State Farm for its competitive rates, excellent customer satisfaction and comprehensive coverage options. Also consider quotes from COUNTRY Financial, Nationwide, Farmers and Allstate.
Who has the cheapest home insurance in Mobile?
State Farm has the most affordable home insurance for the average homeowner, costing about $393 per month or $4,718 per year. Rates can vary widely based on your coverage level and home characteristics.
What does home insurance cost in Mobile?
Home insurance costs in Mobile range from $6,535 to $52,527 annually, depending on the home's age and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Mobile
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Mobile. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.