Cheap Auto Insurance Quotes in Tuscaloosa, AL (2021)

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In this college town of over 100,000 people, it’s not surprising to see residents really rally around their team. Being happy with their auto insurance should come just as easily.

It’s hard to be humble when you’re an SEC champion. The “roll tide” tradition runs strong in these streets. The fact that town traffic swells on game day isn’t surprising, considering the college stadium is the fifth-largest in the U.S. What is surprising, though, is that over 18 percent of Alabamians still drive uninsured. That’s uncalled for when cheaper insurance is so easy to get.

Car Insurance in Tuscaloosa, AL

The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tuscaloosa, AL to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$77
$92
$108
$121
$138
State FarmAllstateGEICOTravelersNationwide
Monthly $

Cheapest Car Insurance in Tuscaloosa, AL

Here are the cheapest carriers in Tuscaloosa for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Tuscaloosa, AL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Tuscaloosa. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$137
$152
$135
$134
$129
$136
AlabamaBirminghamMontgomeryMobileHuntsvilleTuscaloosa
Monthly $

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Tuscaloosa, AL Driving Facts

alabama

Minimum Car Insurance Requirements in AL

Alabama's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Tuscaloosa Car Insurance Rates by Driver Age

At $323 per month, it should be quite possible for many teens in Tuscaloosa to afford to pay car insurance and still have a little spending money left over. In the Heart of Dixie, as driving experience increases, the price of insurance goes down. Twentysomethings with a few years of experience over the youngest drivers see a $40 price cut. The trend continues downward, and most pay below the state average of $208. Those in their 50s find their way to the best deal at $114 per month, $200 cheaper than what the teens shell out.

Driving History
No Violation$199
Speeding Ticket$272
At-Fault Accident$217
Failure to Stop for Red Light / Stop Sign$310

Tuscaloosa Car Insurance Rates by Driving and Accident History

Drivers in Tuscaloosa know that safe driving is smart in more ways than one. First, drivers get the peace of mind that defensive driving brings, and they get the kickback from the insurance company as discounts for being a “good driver” and “accident-free.” But those savings could go out the door with one late morning to work or school because a speeding ticket shoots up the rate by over $70 per month. A failure to stop is an even worse penalty, costing drivers $100 more on their monthly premiums. Drivers can fix the mishaps on their records with three years of careful driving.

Tuscaloosa Car Insurance Rates by Credit Tier

Alabamians ponder just how their Visa payment history and driving history are connected. But the insurance companies claim their statistics show a relationship between credit and insurance risk. Generally, people with the worst credit shell out the most in monthly premiums. Why do people with good credit pay less than those with excellent credit? People with better credit can finance costlier cars and buy more coverage to protect their assets. That said, moving from average to good credit saves over $25 per month, or $300 per year.

Tuscaloosa, AL DMV Information

Alabama’s Department of Motor Vehicles is part of the Alabama Department of Revenue and is responsible for issuing vehicle titles, maintaining vehicle records, administering the Mandatory Liability Insurance law, and issuing motor vehicle regulatory licenses. If you need anything to do with registering or titling, you come here. Separate driver service locations are located throughout the state to deal with the issuance and renewing of licenses.

Public Transportation in Tuscaloosa, AL

Whether it’s university game day or you’re headed to the VA, Tuscaloosa residents have a wealth of ways to get around town. The Tuscaloosa Transit Authority manages this city’s public transportation system and offers ADA-accessible fixed-route bus services to its college campus and VA center as well as various shopping, health, and leisure destinations. Individuals with physical and/or mental challenges who are also city residents can access the city’s on-demand transportation services as well.

Conclusion: How to get the best and cheapest car insurance in Tuscaloosa, AL

Game day or not, there’s always going to be traffic on Tuscaloosa roads. A solid auto insurance plan is always a must and no one should ever get behind the wheel unprotected.

While wearing the right colors can prevent negative attention in Tuscaloosa, following traffic laws to a T is your best bet for avoiding a costly wreck. Accidents happen here, that’s a fact. Know what else is for certain? No matter who you root for, Insurify can help you get solid auto insurance at great rates.

Find local Tuscaloosa agents

Alabama One Insurance
1215 Veterans Memorial Parkway, Tuscaloosa, AL 35404
The Ins Ctr of Tuscaloosa
P O Box 3186, Tuscaloosa, AL 35403-3186
Hull & Associates, Inc.
1649 McFarland Blvd N, STE 203, Tuscaloosa, AL 35406-2281
Fitts Agency Inc
1806 6th St, Tuscaloosa, AL 35401
USI Insurance Services
701 Rice Mine Road, N, Suite 2, Tuscaloosa, AL 35406-2135
Hampton Insurance Agency
1800 Hackberry Lane STE A, Tuscaloosa, AL 35401-4920
Pritchett-Moore Insurance, Inc.
1120 Queen City Ave, Tuscaloosa, AL 35401-2349
The Tusk Agency
621 Hargrove Rd E, Tuscaloosa, AL 35401
Capstone Insurance
2201 Paul W Bryant Dr, Tuscaloosa, AL 35401
Carriage Insurance Agency
4301 Greensboro Ave #3613, Tuscaloosa, AL 35405

Insurify Insights: How Tuscaloosa Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Tuscaloosa, AL
suspended licenses
#30
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Tuscaloosa drivers measure up to their fellow Alabama motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Tuscaloosa

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Tuscaloosa drivers rank 20 in the number of car accidents per driver across all cities in Alabama.

  • Rank within state: #20
  • Percent of drivers in Tuscaloosa with an accident: 9.99%
  • Drivers in Tuscaloosa, AL with an accident in their driving history paid on average 40.85% more than drivers with a clean record

Speeding Tuscaloosa

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Alabama, Tuscaloosa drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Tuscaloosa with a speeding ticket: 13.49%
  • Drivers in Tuscaloosa, AL with a speeding ticket in their driving history paid on average 43.29% more than drivers with a clean record

DUI/DWIs Tuscaloosa

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tuscaloosa drivers rank 20 in the number of DUI’s per driver across all cities in Alabama.

  • Rank within state: #20
  • Percent of drivers in Tuscaloosa with a DUI: 1.02%
  • Drivers in Tuscaloosa, AL with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Tuscaloosa

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tuscaloosa is the Honda Accord.

Rude Tuscaloosa

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Alabama, Tuscaloosa drivers rank 7 in rude driving infractions.

  • Rank within state: #7
  • Percent of drivers in Tuscaloosa with a reckless driving violation: 1.79%
  • Drivers in Tuscaloosa, AL with a reckless driving violation in their driving history paid on average 76.83% more than drivers with a clean record.

Safest Drivers Tuscaloosa

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tuscaloosa drivers rank 10 in clean driving records across all cities in Alabama.

  • Rank within state: #10
  • Percent of drivers in Tuscaloosa with clean record: 77.88%

Failure to Yield the Right of Way Tuscaloosa

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Tuscaloosa drivers rank 8 in failure to yield violations per driver across all cities in Alabama.

  • Rank within state: #8
  • Percent of drivers in Tuscaloosa with a failure to yield violation: 0.17%
  • Drivers in Tuscaloosa, AL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Tuscaloosa

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Alabama, Tuscaloosa drivers rank 6 in the number of reckless driving offenses per driver.

  • Rank within state: #6
  • Percent of drivers in Tuscaloosa with a reckless driving offense: 0.09%

Hybrid/Electric Vehicle Ownership Tuscaloosa

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tuscaloosa drivers rank 19 in hybrid and electric vehicle ownership across all cities in Alabama.

  • Rank within state: #19
  • Percent of drivers in Tuscaloosa with a hybrid/electric vehicle: 0.59%

FAQs - Tuscaloosa, AL Car Insurance

What kind of insurance discounts can I get in Alabama?

Each insurance company offers its own set of discounts. Some common kinds of discounts include good driver discounts, low mileage discounts, and student-driver discounts. Most insurance companies also offer a discount if you have more than one auto policy with them.

What are the insurance requirements in Alabama?

You must be insured to drive in Alabama. Each state sets its own minimums in terms of liability requirements. The minimum auto insurance in Alabama is a $25,000 bodily injury liability limit per person, $50,000 maximum for all bodily injuries to be paid for any one accident, and $25,000 maximum for property damage per accident. Meeting these minimums is a must, but you can (and probably should) buy other insurance products on top of these minimums. Why? Liability insurance covers accidents and injuries for the other party when you are at fault. What happens if you hit someone else? What if their liability limits aren’t enough? Insurance products like comprehensive and collision can help pay for hospital stays and car repair bills in this case.

What happens if I drive without proof of insurance in Alabama?

You always have to carry your insurance with you in this state. If you cannot prove that you have insurance (by providing your insurance ID), you may face a fine of up to $500 or face license suspension for up to six months.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.