Best Tuscaloosa, Alabama Auto Insurance in 2024
The average Tuscaloosa, AL auto insurance rates are $315 per month. The minimum auto insurance in Tuscaloosa is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Tuscaloosa, Alabama, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Oct 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Tuscaloosa is 19.0 minutes
- The minimum auto insurance required in Tuscaloosa, Alabama is 25/50/25
- Average auto insurance rates in Tuscaloosa, AL for senior drivers are $1,982 per year
Tuscaloosa, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Tuscaloosa can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Tuscaloosa, Alabama, including driving record, credit, commute time, and more.
Compare auto insurance in Tuscaloosa to other Alabama cities, including Montgomery auto insurance rates, Auburn auto insurance rates, and Decatur auto insurance rates to see how Tuscaloosa, Alabama auto insurance rates stack up.
Before you buy Tuscaloosa, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Tuscaloosa, Alabama auto insurance quotes.
Minimum Auto Insurance in Tuscaloosa, Alabama
Tuscaloosa, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Tuscaloosa, Alabama.
Minimum Required Auto Insurance Coverage in Tuscaloosa, Alabama
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Tuscaloosa, Alabama Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Tuscaloosa, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Tuscaloosa, Alabama
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,148 | $2,041 | $1,947 | $1,984 | $7,664 | $8,234 | $2,396 | $2,446 |
| Farmers | $2,396 | $2,380 | $2,139 | $2,277 | $9,381 | $9,657 | $2,715 | $2,812 |
| Geico | $2,066 | $2,060 | $1,972 | $2,049 | $5,528 | $5,421 | $2,184 | $2,024 |
| Liberty Mutual | $2,973 | $3,209 | $2,442 | $2,729 | $10,982 | $12,203 | $3,157 | $3,352 |
| Nationwide | $1,709 | $1,728 | $1,560 | $1,612 | $4,521 | $5,808 | $1,897 | $2,117 |
| Progressive | $2,574 | $2,407 | $2,119 | $2,255 | $10,796 | $12,048 | $3,019 | $3,223 |
| State Farm | $2,951 | $2,951 | $2,688 | $2,688 | $9,180 | $11,494 | $3,341 | $3,849 |
| Travelers | $1,486 | $1,508 | $1,401 | $1,395 | $8,093 | $12,746 | $1,406 | $1,600 |
| USAA | $1,311 | $1,327 | $1,226 | $1,197 | $3,930 | $4,350 | $1,704 | $1,836 |
Cheap Tuscaloosa, Alabama Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Tuscaloosa, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Tuscaloosa, Alabama.
Read more in our article: Cheapest Teen Driver Auto Insurance in Alabama.
Annual Auto Insurance Rates for Teen Drivers in Tuscaloosa, Alabama
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,664 | $8,234 |
| Farmers | $9,381 | $9,657 |
| Geico | $5,528 | $5,421 |
| Liberty Mutual | $10,982 | $12,203 |
| Nationwide | $4,521 | $5,808 |
| Progressive | $10,796 | $12,048 |
| State Farm | $9,180 | $11,494 |
| Travelers | $8,093 | $12,746 |
| USAA | $3,930 | $4,350 |
Cheap Tuscaloosa, Alabama Auto Insurance for Seniors
What are senior auto insurance rates in Tuscaloosa, Alabama? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Tuscaloosa, Alabama
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,947 | $1,984 |
| Farmers | $2,139 | $2,277 |
| Geico | $1,972 | $2,049 |
| Liberty Mutual | $2,442 | $2,729 |
| Nationwide | $1,560 | $1,612 |
| Progressive | $2,119 | $2,255 |
| State Farm | $2,688 | $2,688 |
| Travelers | $1,401 | $1,395 |
| USAA | $1,226 | $1,197 |
Cheap Tuscaloosa, Alabama Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Tuscaloosa, Alabama compared to the annual auto insurance rates with a clean record in Tuscaloosa, Alabama.
Annual Tuscaloosa, Alabama Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,052 | $3,611 | $4,305 | $3,462 |
| Farmers | $3,551 | $4,598 | $4,486 | $4,244 |
| Geico | $1,954 | $3,163 | $3,936 | $2,598 |
| Liberty Mutual | $4,022 | $5,608 | $5,473 | $5,419 |
| Nationwide | $2,294 | $2,294 | $3,329 | $2,558 |
| Progressive | $4,330 | $5,465 | $4,676 | $4,749 |
| State Farm | $4,400 | $5,496 | $4,838 | $4,838 |
| Travelers | $3,083 | $3,235 | $4,745 | $3,755 |
| USAA | $1,623 | $2,040 | $3,022 | $1,755 |
Cheap Tuscaloosa, Alabama Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Tuscaloosa, Alabama is not easy. Compare the annual rates for DUI auto insurance in Tuscaloosa, Alabama to find the best deal.
Annual Auto Insurance Rates After a DUI in Tuscaloosa, Alabama
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,305 |
| Farmers | $4,486 |
| Geico | $3,936 |
| Liberty Mutual | $5,473 |
| Nationwide | $3,329 |
| Progressive | $4,676 |
| State Farm | $4,838 |
| Travelers | $4,745 |
| USAA | $3,022 |
Cheap Tuscaloosa, Alabama Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Tuscaloosa, Alabama annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Tuscaloosa, Alabama
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,446 | $3,507 | $2,869 |
| Farmers | $4,727 | $4,073 | $3,860 |
| Geico | $3,706 | $2,642 | $2,390 |
| Liberty Mutual | $7,335 | $4,514 | $3,543 |
| Nationwide | $3,156 | $2,467 | $2,234 |
| Progressive | $5,407 | $4,654 | $4,355 |
| State Farm | $7,940 | $4,014 | $2,724 |
| Travelers | $4,037 | $3,504 | $3,572 |
| USAA | $2,831 | $1,848 | $1,651 |
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Cheap Tuscaloosa, Alabama Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Tuscaloosa, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Tuscaloosa, Alabama to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Tuscaloosa, Alabama
| ZIP Code | Average Annual Rates |
|---|---|
| 35401 | $3,863 |
| 35404 | $3,891 |
| 35405 | $3,848 |
| 35406 | $3,904 |
| 35487 | $3,969 |
Cheap Tuscaloosa, Alabama Auto Insurance Rates By Commute
Commute length and annual mileage affect Tuscaloosa, Alabama auto insurance. Find the cheapest annual Tuscaloosa, Alabama auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Tuscaloosa, Alabama
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,608 | $3,608 |
| Farmers | $4,220 | $4,220 |
| Geico | $2,862 | $2,964 |
| Liberty Mutual | $5,131 | $5,131 |
| Nationwide | $2,619 | $2,619 |
| Progressive | $4,805 | $4,805 |
| State Farm | $4,772 | $5,014 |
| Travelers | $3,704 | $3,704 |
| USAA | $2,013 | $2,206 |
Cheap Tuscaloosa, Alabama Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Tuscaloosa, Alabama? Check out the comparison of annual Tuscaloosa, Alabama auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Tuscaloosa, Alabama
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,476 | $3,602 | $3,744 |
| Farmers | $3,968 | $4,160 | $4,530 |
| Geico | $2,680 | $2,901 | $3,158 |
| Liberty Mutual | $4,892 | $5,106 | $5,394 |
| Nationwide | $2,596 | $2,598 | $2,662 |
| Progressive | $4,318 | $4,784 | $5,313 |
| State Farm | $4,601 | $4,889 | $5,189 |
| Travelers | $3,512 | $3,778 | $3,823 |
| USAA | $2,032 | $2,098 | $2,199 |
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Best By Category: Cheapest Auto Insurance in Tuscaloosa, Alabama
Compare the cheapest auto insurance companies in Tuscaloosa, Alabama in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Tuscaloosa, Alabama
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Tuscaloosa, Alabama Auto Insurance Companies
What auto insurance companies in Tuscaloosa, Alabama are the cheapest? Compare the top Tuscaloosa, Alabama auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Tuscaloosa, Alabama
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,608 |
| Farmers | $4,220 |
| Geico | $2,913 |
| Liberty Mutual | $5,131 |
| Nationwide | $2,619 |
| Progressive | $4,805 |
| State Farm | $4,893 |
| Travelers | $3,704 |
| USAA | $2,110 |
What affects auto insurance rates in Tuscaloosa, Alabama?
There are a lot of reasons why auto insurance rates in Tuscaloosa, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Tuscaloosa, Alabama. Many local factors may affect your Tuscaloosa auto insurance rates.
Tuscaloosa Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Tuscaloosa, Alabama auto theft statistics, there have been 315 auto thefts in the city.
Tuscaloosa Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Tuscaloosa, Alabama commute length is 19.0 minutes according to City-Data.
Tuscaloosa Traffic
How does Tuscaloosa, Alabama rank for traffic? According to Inrix Tuscaloosa, Alabama is the 838th most congested worldwide.
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Compare Tuscaloosa, Alabama Auto Insurance Quotes
Before you buy Tuscaloosa, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Tuscaloosa, Alabama auto insurance quotes.
Frequently Asked Questions
What factors can affect my auto insurance rates in Tuscaloosa, AL?
Several factors can impact your auto insurance rates in Tuscaloosa, AL, including your driving record, age, type of vehicle, credit score, location, and the coverage options you choose. Insurance providers assess these factors to determine the level of risk you present as a driver.
What are the minimum auto insurance requirements in Tuscaloosa, AL?
In Tuscaloosa, AL, the minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
What is uninsured/underinsured motorist coverage, and is it necessary in Tuscaloosa, AL?
Uninsured/underinsured motorist coverage protects you in the event of an accident caused by a driver who doesn’t have insurance or has insufficient coverage. While it is not legally required in Tuscaloosa, AL, having this coverage is highly recommended to protect yourself financially if you’re involved in an accident with an uninsured or underinsured driver.
Can I add additional coverage options to my Tuscaloosa, AL auto insurance policy?
Yes, you can customize your auto insurance policy in Tuscaloosa, AL by adding various optional coverage options such as collision coverage, comprehensive coverage, roadside assistance, rental car reimbursement, and more. These additional coverages provide extra protection for your vehicle and offer peace of mind in different situations.
How can I save money on my auto insurance in Tuscaloosa, AL?
There are several ways to potentially save money on your auto insurance in Tuscaloosa, AL. Some tips include maintaining a clean driving record, bundling your auto insurance with other policies, choosing a higher deductible, taking advantage of discounts for safe driving or vehicle safety features, and periodically shopping around for the best rates from different insurance providers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.