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Cheap Auto Insurance Quotes in Tuscaloosa, AL (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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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.

Quick Facts

  • The average cost of car insurance in Tuscaloosa is $180 per month, or $2160 annually.
  • Car insurance in Tuscaloosa is $17 more than the average cost of car insurance in Alabama.
  • The cheapest car insurance provider in Tuscaloosa on average is Progressive, but you should always compare quotes to find your best personal rate.

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 Companies

State Farm
$77
Allstate
$92
GEICO
$108
Travelers
$121
Nationwide
$138

Cheapest Car Insurance in Tuscaloosa, AL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in TuscaloosaQuotes
State Farm$77 /mo
Allstate$92 /mo
GEICO$108 /mo
Travelers$121 /mo
Nationwide$138 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Tuscaloosa. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$242 /mo
Liberty Mutual82$282 /mo
Travelers80$169 /mo
National General58$159 /mo

Average Car Insurance Cost

Alabama Cities
Birmingham$152/mo
Montgomery$135/mo
Mobile$134/mo
Huntsville$129/mo
Tuscaloosa$136/mo
Alabama$137/mo
Huntsville
$129
Mobile
$134
Montgomery
$135
Tuscaloosa
$136
Average for AL
$137
Birmingham
$152
Click here to learn about car insurance quotes and save on your current policy.

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.

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

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.

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

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
View more

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.

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.

FAQs - Tuscaloosa, AL Car Insurance

  • 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.
  • 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.
  • 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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Tuscaloosa Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Tuscaloosa, Alabama below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Tuscaloosa drivers measure up to their fellow motorists across Alabama in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Tuscaloosa

#6

City with the Most Speeding Tickets Rank in Alabama

#5

City with the Most Moving Violations Rank in Alabama

#20

City with the Most DUIs Rank in Alabama

#30

City with the Most Suspended Licenses in Alabama

  • 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 pay on average 40.85% more than drivers with a clean record
  • 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 pay on average 43.29% more than drivers with a clean record
  • 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 pay on average 0% more than drivers with a clean record
  • 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.

  • 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 pay on average 76.83% more than drivers with a clean record.
  • 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%
  • 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 pay on average 0% more than drivers with a clean record
  • 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%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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