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Best cheap homeowners insurance in Mobile Bankrate 2 hrs ago © toddmedia/Getty Images Aerial of Suburb Housing The homeownership rate for Mobile, Alabama is 54%. Homeowners insurance is not mandatory unless you carry a home mortgage. The average annual Mobile, Alabama home insurance premium is $1,942 for a $250,000 home. If you are a first-time homeowner or on a tight budget, cheap home insurance Mobile rates are vital to keeping the cost of homeownership affordable. Popular Searches Best home insurance companies in Mobile To find the best home insurance providers in Mobile from the dozens of insurance companies available, Bankrate collected home insurance quotes for a standard HO-3 policy with $250,0000 in dwelling coverage. We used factors such as cost of home insurance, customer service ratings and financial strength to narrow the list down to five companies.

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