UPDATED: Jul 30, 2020
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Cheap car insurance in Tuscaloosa, AL is offered by State Farm and Nationwide with rates as low as $25 per month. Alabama auto insurance requires all drivers carry 25/50/25 in liability coverage. However, we recommend carrying more than the Tuscaloosa, AL auto insurance minimum or you may find yourself in trouble if you have an accident.
Tuscaloosa, the former capital of Alabama, is seated along the Black Warrior River. Because of its location and proximity to other densely populated cities in western Alabama, it is an integral part of the education, health care, and commercial industries for that part of the state.
Fun fact: Did you know that Tuscaloosa, AL is #3 on the list of “Top 101 cities with the most bridges per 100,000 population (pop 50,000+)?
Do you need auto insurance in Tuscaloosa, AL? At AutoInsuranceEZ.com, you can find the best insurance rates in your city. To obtain free car insurance quotes from the major providers today, type in your zip code into the quote box on this page
Auto Insurance Coverage Requirements in Alabama
As of 2013, Alabama mandatory minimum coverage laws require drivers to purchase the following forms of coverage:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||20,000/40,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
However, keep in mind that liability insurance is extremely limited in what claims it will pay out. For theft, vandalism, or an accident that is the other driver’s fault, your insurance will not cover you.
Depending on many different factors, some Alabama motorists can expect to pay as high as $174/month for their automotive insurance premiums. However, the average driver in Tuscaloosa with a good credit history and a clean record can get insured for around $34/month from some of the top Alabama car insurance companies. One such company is USAgencies near Tuscaloosa, AL who strives to offer low rates to their clients.
Auto insurance companies consider numerous variables when figuring out insurance quotes, including marital status, occupation, years of driving experience, and whether you use your vehicle for business or pleasure. Additionally, premiums differ from company to company. To find out whether you’re still receiving the most affordable rate, compare cheap Tuscaloosa auto insurance quotes online. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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Major Car Insurance Factors in Tuscaloosa
There are many different aspects of your life that get factored in when companies are calculating your monthly insurance premium. Some of the major factors can really alter your rate, while the minor factors will only adjust your payments by a few percentage points. Some of those major factors are:
Your Zip Code
Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Tuscaloosa is 93,215 with an average household income of $35,304.
Thankfully, fatal accidents in Tuscaloosa are relatively low. There were only 9 fatalities in 2013, which was a drop from the previous year. Since Tuscaloosa doesn’t seem to be an area where serious accidents happen too frequently, you shouldn’t have to worry about such factors raising your premiums.
Auto thefts in Tuscaloosa
Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Tuscaloosa was 151 in 2013, which marks a 25% decline from the previous year. Protecting yourself from auto theft is fairly simple. All you have to do is add comprehensive coverage to your policy. Unfortunately, however, that can result in a drastic increase of your monthly rate.
Your Credit Score
The secret is out: your credit score can have a serious influence on how expensive (or inexpensive) your monthly premiums will be. As demonstrated in the chart below, having poor credit can increase your rate between 100-200% or more, depending on your insurance company (As well as other factors).
As you can see from the chart below, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount, or taking additional driver education courses.
Your Driving Record
After your credit score, your driving record is the next biggest factor which can alter your monthly premiums. Those with a clean driving record will pay substantially lower rates than motorists who have speeding tickets, other moving violations, or serious accidents in their recent past. If you have serious violations, such as a DUI, certain companies may refuse to insure you at all.
As you can see from the chart below, it costs substantially more to insure a luxury vehicle than a typical fuel-efficient sedan. In addition to the higher price of the luxury vehicle (and therefore higher replacement costs if it gets damaged or stolen), most drivers tend to purchase more insurance coverage. And the more coverage your purchase, the higher your monthly rate will be.
Minor Auto Insurance Factors in Tuscaloosa
Some factors, like those mentioned above, can have a significant impact on your policy premiums. However there are other less influential factors which will alter your rates slightly. But when combined, all of those little changes can add up to some big savings:
Your Marital Status
Whether you are single or married, as an individual, your marital status will not influence your monthly rate by more than a few percentage points, if at all. However, married couples can get access to lower rates by bundling their policies together with the same company. You can get further discounts by bundling homeowner’s insurance, or renter’s insurance to your auto policies.
Whatever preconceived notion you may have about which gender is better behind the wheel, the data doesn’t confirm any biases one way or another. Depending on your insurer, you may be charged 1-2% more or less based on your gender alone, or you may be charged the same rate regardless.
Your Driving Distance to Work
For most Tuscaloosa workers, the average commute is about 15 minutes, although it can range as high as 20 minutes for those who live on the outskirts of the city. Except for those who live in the heart of the city, around 80-95% of workers choose to drive to work alone in their own car.
If you have your vehicle listed on your insurance policy as a business vehicle, you can expect to pay around 10% more, regardless of how often you drive each year. Total miles driven, as well as your purpose on the road (work/school/pleasure) won’t alter your monthly premiums by more than 1-2%.
Your Coverage and Deductibles
Obviously, someone who only buys the state minimum mandatory coverage will pay less per month than a driver with additional coverage on their policy. If you feel you need more than the mandatory minimum coverage, but don’t want to pay expensive premiums each month, try raising your deductible. This is especially economical for safe drivers who don’t anticipate a need to file multiple claims.
Education in Tuscaloosa, AL
Your education level (but not your job, or your monthly salary) can help you get more affordable automotive insurance. Going back to school can save you lots of money on premiums in the long run. For Tuscaloosa, almost half of the motorists have either a high school or less than a high school level of education.
Tuscaloosa is a college town, home to the University of Alabama. The university has been in operation for over 180 years with over 30,000 students enrolled. Tuscaloosa is also home to one of the largest community colleges in the state, Shelton State CC, and other renowned technical schools.
Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
- Alabama Department of Insurance
- Alabama Department of Finance
- Department of Highway Safety and Motor Vehicles
Locate Companies that Offer Lowest Rates on Auto Insurance in Tuscaloosa, AL by entering your Zip Code into the calculator below.