Cheap Auto Insurance Quotes in Tuscaloosa, AL (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Tuscaloosa, AL Driving Facts

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
alabama

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.

Driver's AgeAvg. Monthly Cost
teens$324
20s$277
30s$189
40s$248
50s$115
60s$167
70s$217
80s$123
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$230
Good$213
Average$198
Poor$267

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Tuscaloosa stacks up for the state of Alabama:

honda
Honda Accord
Most Popular Car in
Tuscaloosa, AL
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

Green Driving in Tuscaloosa, AL

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Since 2008, the Green Resource Center of Alabama has released an annual Green Progress Report, which documents the development of green and environmental initiatives across the state. Recent moves made in Alabama include the expansion of UAB's Blazer Bike Shop, which serves and repairs bikes for the campus community and champions alternative modes of communication, and the opening of Kiwanis Centennial Park and Vulcan Trail in downtown Birmingham. As of yet, the state does not provide any green driving incentives for owners of alternative fuel vehicles or fuel-efficient cars.

Greenes Cities

Tuscaloosa

Greenes Cities
% of Hybrids / Electrics
2%

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.