Cheap Quotes for Tuscaloosa, AL Car Insurance (2021)

Tuscaloosa, Alabama car insurance rates average $315 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Tuscaloosa, AL companies, you can find cheap Tuscaloosa car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Tuscaloosa has an average commute time of 19.0 minutes
  • Average car insurance rates in Tuscaloosa, AL after a DUI are $4,312/year
  • Average car insurance rates in Tuscaloosa, AL are $315/month

How do the Tuscaloosa, Alabama monthly average car insurance rates of $315/month compare to nearby cities like Auburn car insurance rates, Madison car insurance rates, and Dothan car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Tuscaloosa, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Tuscaloosa, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Tuscaloosa, Alabama companies to find the most affordable Tuscaloosa car insurance rates.

Enter your ZIP code above to find cheap Tuscaloosa, AL car insurance quotes today.

What are the minimum Tuscaloosa, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Tuscaloosa, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car 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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Average Tuscaloosa, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Tuscaloosa, AL you can see that rates will vary by ZIP code.

Annual Car 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

How do age, gender, and marital status affect Tuscaloosa, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Tuscaloosa, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Tuscaloosa car insurance companies.

Annual Car 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

How much do teen drivers pay for car insurance in Tuscaloosa, AL?

Tuscaloosa, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Tuscaloosa car insurance rates from multiple Tuscaloosa, Alabama car insurance companies to get the best deal.

Annual Car 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

How much do senior drivers pay for car insurance in Tuscaloosa, AL?

With a little research, seniors can find affordable car insurance in Tuscaloosa, Alabama. Here’s a look at how the top Tuscaloosa car insurance companies stack up.

Annual Car 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

How does coverage level affect Tuscaloosa, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Tuscaloosa, AL car insurance rates will be. Let’s take a look.

Annual Car 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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How does your driving record affect Tuscaloosa, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Tuscaloosa, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Tuscaloosa, Alabama companies.

Annual Tuscaloosa, Alabama Car 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

How does a DUI affect Tuscaloosa, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Tuscaloosa, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Tuscaloosa, Alabama

Insurance Company Annual Car 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

How does your credit history affect Tuscaloosa, AL car insurance rates?

Take a look at the data here to see how your Tuscaloosa, Alabama car insurance rates are affected by your credit history.

Annual Car 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

How does your commute affect Tuscaloosa, AL car insurance rates?

Tuscaloosa, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Tuscaloosa if you’re financing.

Annual Car Insurance Rates by Commute Length in Tuscaloosa, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Who has the cheapest Tuscaloosa, AL car insurance rates?

Here’s a breakdown of Tuscaloosa, Alabama car insurance rates by company. You can see which company offers the cheapest Tuscaloosa car insurance rates in each category.

Best Annual Car 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

What are the top Tuscaloosa, AL car insurance companies?

Which Tuscaloosa, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Tuscaloosa companies to find the one for you.

Average Annual Car 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 factors affect Tuscaloosa, AL car insurance rates?

Why are Tuscaloosa, Alabama car insurance rates different than rates in Auburn or Madison? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Tuscaloosa, AL?

FBI statistics show that the Tuscaloosa, Alabama car theft rate is 315 thefts each year. High theft rates can lead to higher than average Tuscaloosa, AL car insurance rates.

How long is the average commute in Tuscaloosa, AL?

More time spent behind the wheel can lead to higher Tuscaloosa, Alabama car insurance rates. In Tuscaloosa, AL, the average commute length is 19.0 minutes.

What is the traffic like in Tuscaloosa, AL

Like commute length, time spent in traffic also increase risk of accidents. Tuscaloosa, AL is listed as 838th in INRIX congested cities data.

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Car Insurance Quotes for Tuscaloosa, AL

Shop for affordable Tuscaloosa, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Tuscaloosa, AL car insurance companies.

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