Cheap Quotes for Tuscumbia, AL Car Insurance (2021)

Tuscumbia, Alabama car insurance rates average $282 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Tuscumbia, AL companies, you can find cheap Tuscumbia 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

  • Average car insurance rates in Tuscumbia, AL are $282/month
  • Tuscumbia has an average commute time of 19.3 minutes
  • The cheapest car insurance company in Tuscumbia is USAA

How do the Tuscumbia, Alabama monthly average car insurance rates of $282/month compare to nearby cities like Birmingham car insurance rates, Decatur car insurance rates, and Mobile car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Tuscumbia, AL.

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

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

What are the minimum Tuscumbia, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Tuscumbia, 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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How do age, gender, and marital status affect Tuscumbia, AL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Tuscumbia, 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 $1,866 $1,781 $1,686 $1,718 $6,402 $6,874 $2,093 $2,142
Farmers $2,117 $2,100 $1,890 $2,014 $8,315 $8,550 $2,396 $2,475
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,553 $1,571 $1,421 $1,468 $4,020 $5,157 $1,718 $1,913
Progressive $2,235 $2,084 $1,836 $1,964 $9,454 $10,542 $2,611 $2,781
State Farm $2,650 $2,650 $2,411 $2,411 $8,162 $10,222 $2,997 $3,449
Travelers $1,324 $1,343 $1,248 $1,243 $7,109 $11,192 $1,256 $1,425
USAA $1,243 $1,256 $1,160 $1,130 $3,726 $4,122 $1,613 $1,734

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

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

Annual Car Insurance Rates for Teen Drivers in Tuscumbia, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,402 $6,874
Farmers $8,315 $8,550
GEICO $4,918 $4,831
Liberty Mutual $10,328 $11,482
Nationwide $4,020 $5,157
Progressive $9,454 $10,542
State Farm $8,162 $10,222
Travelers $7,109 $11,192
USAA $3,726 $4,122

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

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

Annual Car Insurance Rates for Senior Drivers in Tuscumbia, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,686 $1,718
Farmers $1,890 $2,014
GEICO $1,804 $1,850
Liberty Mutual $2,308 $2,580
Nationwide $1,421 $1,468
Progressive $1,836 $1,964
State Farm $2,411 $2,411
Travelers $1,248 $1,243
USAA $1,160 $1,130

How does coverage level affect Tuscumbia, 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 Tuscumbia, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Tuscumbia, Alabama

Insurance Company Low Medium High
Allstate $2,970 $3,065 $3,175
Farmers $3,505 $3,680 $4,012
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,330 $2,333 $2,395
Progressive $3,725 $4,168 $4,672
State Farm $4,109 $4,364 $4,634
Travelers $3,091 $3,333 $3,379
USAA $1,926 $1,987 $2,080

How does your driving record affect Tuscumbia, AL car insurance rates?

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

Annual Tuscumbia, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,616 $3,075 $3,639 $2,950
Farmers $3,141 $4,069 $3,970 $3,750
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,066 $2,066 $2,979 $2,299
Progressive $3,771 $4,767 $4,081 $4,134
State Farm $3,933 $4,901 $4,321 $4,321
Travelers $2,723 $2,857 $4,178 $3,312
USAA $1,538 $1,933 $2,859 $1,662

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

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

Annual Car Insurance Rates After a DUI in Tuscumbia, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,639
Farmers $3,970
GEICO $3,504
Liberty Mutual $5,161
Nationwide $2,979
Progressive $4,081
State Farm $4,321
Travelers $4,178
USAA $2,859

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

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

Annual Car Insurance Rates by Credit Score in Tuscumbia, Alabama

Insurance Company Poor Fair Good
Allstate $3,796 $2,978 $2,437
Farmers $4,179 $3,603 $3,415
GEICO $3,352 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,835 $2,216 $2,007
Progressive $4,707 $4,059 $3,799
State Farm $7,083 $3,586 $2,437
Travelers $3,562 $3,091 $3,150
USAA $2,683 $1,749 $1,562

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

Tuscumbia, 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 Tuscumbia if you’re financing.

Annual Car Insurance Rates by Commute Length in Tuscumbia, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,070 $3,070
Farmers $3,732 $3,732
GEICO $2,587 $2,686
Liberty Mutual $4,838 $4,838
Nationwide $2,353 $2,353
Progressive $4,188 $4,188
State Farm $4,261 $4,477
Travelers $3,268 $3,268
USAA $1,907 $2,089

Who has the cheapest Tuscumbia, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Tuscumbia, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Tuscumbia, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Tuscumbia, Alabama

Insurance Company Average Annual Rates
Allstate $3,070
Farmers $3,732
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,353
Progressive $4,188
State Farm $4,369
Travelers $3,268
USAA $1,998

What factors affect Tuscumbia, AL car insurance rates?

Why are Tuscumbia, Alabama car insurance rates different than rates in Birmingham or Decatur? 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 Tuscumbia, AL?

FBI statistics show that the Tuscumbia, Alabama car theft rate is 26 thefts each year. High theft rates can lead to higher than average Tuscumbia, AL car insurance rates.

How long is the average commute in Tuscumbia, AL?

More time spent behind the wheel can lead to higher Tuscumbia, Alabama car insurance rates. In Tuscumbia, AL, the average commute length is 19.3 minutes.

Car Insurance Quotes for Tuscumbia, AL

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