Mobile has 203,416 residents in 84,639 households. We list 56 insurance agencies in Mobile. Here is what the local numbers say about the cover people here need.

Mobile at a glance

56insurance agencies listed
46%of households rentRenters insurance
$193,300median home valueHome insurance
1975median year homes were builtRebuild cost calculator
7.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Mobile County

FEMA rates the overall natural hazard risk in Mobile County, where most Mobile agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Mobile
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Mobile
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Alabama
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Mobile
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in Alabama

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Alabama

Alabama requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Mobile How much liability cover do you need?

Source: revenue.alabama.gov. Checked 2026-10-24.

Insurance companies Mobile agencies work with

Of the 16 Mobile agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Markel4 agencies
Progressive4 agencies
Aetna3 agencies
The Hartford3 agencies
American Modern2 agencies
Centene2 agencies
Chubb2 agencies
Great American2 agencies
Liberty Mutual (Safeco)2 agencies
Medicare Advantage2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Mobile agencies can write

Share of the 56 agencies listed in Mobile that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Mobile agencies are

Mobile agencies we list sit in 10 ZIP codes, mostly in Mobile County.

3660920 agencies
366068 agencies
366026 agencies
366075 agencies
366085 agencies
366955 agencies
366934 agencies
366041 agency
366111 agency
366191 agency

Questions

Insurance agencies in Mobile

How do I find an insurance agency in Mobile?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Mobile?

Most often general liability, home, auto, boat, commercial property. Pick a type in the filters to narrow the list.

Which insurance companies do Mobile agencies work with?

Among the 16 Mobile agencies whose appointments we hold, the companies they are most often appointed with are Markel (4), Progressive (4), Aetna (3), The Hartford (3), American Modern (2). An appointed agency can quote that company's policies.

Do I need flood insurance in Mobile?

FEMA's National Risk Index rates inland flooding risk in Mobile County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Mobile?

46% of households in Mobile rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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