Cheapest Car Insurance Providers In Tuscaloosa, AL

State Farm offers residents of Tuscaloosa the best cheap car insurance.

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Updated: 01 February 2024
Written by
Bob Phillips
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Our team reviewed 60 of the country’s top car insurance providers, receiving individual quotes from each one. Of these quotes, we saw that State Farm surpassed its competitors as the cheapest insurance carrier for drivers in Tuscaloosa, Alabama, in almost every category. While State Farm offered the cheapest rates for minimum coverage, full coverage, and for drivers with violations, we also found that a number of other insurers also offered good coverage at affordable rates.

In doing our research, we found that Travelers Insurance offered the cheapest premiums for young drivers, and Assurance America came out on top as being the cheapest for senior drivers. We also discovered that Nationwide offered the cheapest rates for motorists with bad credit, and USAA was the no.1 choice for active military members and veterans, and their families.

Tuscaloosa, Alabama, has seen an incredible growth in the private sector within the past five years. With many people relocating to Tuscaloosa for work, it’s imperative for drivers to have some knowledge of the city’s average insurance rates so that they can compare these with other regions in the state and purchase the best and most affordable policy possible.

For example, the average monthly payment for car insurance in Tuscaloosa is $128, while the average across the state is only $135. Although Tuscaloosa’s average monthly payment for insurance is significantly more expensive when compared to other cities in Alabama, there are many providers on the market offering lower rates for various types of coverage.

For the purpose of this review, we took a detailed deep dive into a few carriers in Tuscaloosa to find the best rates and explore how various criterion, including credit, age, and driving record, can influence your monthly payments.

Cheapest And Best Car Insurance Companies In Tuscaloosa, AL 2024

Best Car Insurance, Tuscaloosa 2024

Compare The Cheapest Car Insurance Companies In Tuscaloosa, AL

Overall Rating Best For JD Power Rating Average Annual Cost AM Best Rating Get A Quote
State Farm
4.9

Affordable Coverage

842

$921

A++

Instant Quote
Travelers Insurance
4.6

Young Drivers

829

$2,076

A++

Instant Quote
Assurance America
4.2

Senior Drivers

N/A

$1,008

N/A

Instant Quote
State Farm
4.9

Driving Violations

842

$2,638

A++

Instant Quote
State Farm
4.9

Full Coverage

842

$1,526

A++

Instant Quote
StateFarm
4.9

Minimum Coverage

842

$512

A++

Instant Quote
Scroll to see comparisons

Our Methodology

To find the cheapest rates in Tuscaloosa, we took data from various insurance review sites, some of which investigated premiums from public filings taken by Quadrant Information Services. Our team of experts, with a combined experience spanning twenty-five years, closely reviewed each insurer, with their findings also playing a part in this research.

  • 62 Quotes Analyzed
  • 18 Brands Reviews
  • 25 Years of Industry Experience
  • 30+ Hours of Research
  • It’s important to know that although the premiums listed in this guide are precise, they do change regularly, and they can also vary depending on the driver applying for the policy.

    51

    Quotes Analyzed

    15+

    Years Of Industry Experience

    14

    Brands Reviewed

    20+

    Research Hours

    Cheapest Car Insurance Providers In Tuscaloosa, Alabama


    Cheapest Overall Rates

    Overall Rating
    4.9

    Key Statistics

    10/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    9/10 Coverage Level

    Why We Like Them

    When deciding which insurer to buy a policy with, you want to choose one that’s both affordable and dependable — two qualities you can guarantee with State Farm.

    During our research, State Farm continuously beat its competitors in almost every category in our list. Their inexpensive monthly premiums and reputation for providing a great service to customers have made them the best choice for motorists living in Tuscaloosa.

    Benefits & Drawbacks

    Benefits
    • Fantastic ratings by customers for their service
    • Average annual rates are lower than the national average
    • Large number of customers returning to renew their policies
    Drawbacks
    • Not as affordable for drivers with poor credit
    • Gap insurance not an option

    Cheapest Overall Rates In Tuscaloosa

    Company Average Rate Per Year
    State Farm $921
    USAA $928
    Allstate $1,002
    GEICO $1,344
    Travelers $1,540

    Cheapest Coverage For Motorists With Driving Violations

    Overall Rating
    4.9

    Key Statistics

    10/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    9/10 Coverage Level

    Why We Like Them

    Accidents unfortunately happen from time to time, often leading to an increase in insurance premiums. However, several insurers, State Farm included, have a much more merciful approach to motorists with minor offenses. The rates are still higher when compared with drivers who don’t have violations, but State Farm do offer inexpensive premiums for those with a less than perfect history on the road.

    State Farm was no.1 on the list of over 20 other carriers for their monthly payments for motorists with DUIs, speeding tickets, or those at fault in an accident.

    With their forgiving rates, and fantastic customer support, State Farm is the best choice for motorists with violations.

    Benefits & Drawbacks

    Benefits
    • Large team of dedicated insurance agents available to offer support
    • Ranked highly on the J.D. Power rating system for customer service
    • Strong financial ratings reported by AM Best
    Drawbacks
    • Not as many customizable insurance options when compared with other major providers

    Cheapest Rates For Motorists With Driving Violations In Tuscaloosa

    Company Average Rate Per Year
    State Farm $2,638
    Allstate $2,651
    Travelers $2,520
    Farmers $3,828
    GEICO $5,484

    In time, many motorists will likely receive a minor driving violation at some stage. A minor violation could be given in the event of speeding, or not stopping at a stop sign, and will not influence your monthly rates too much. If a motorist receives several minor violations over a short period, they could see their rates increase.

    Major offenses, such as DUI’s, reckless driving, and at-fault accidents, will have more of an influence on your monthly insurance rates. This is due to driver being seen as more of a risk in the eyes of the carrier.

    If a driver poses more of a risk on the road, they are more likely to be involved in a car wreck, meaning they are much more likely to file a claim.


    Cheapest Full Coverage Rates

    Overall Rating
    4.9

    Key Statistics

    10/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    9/10 Coverage Level

    Why We Like Them

    Selecting a minimum coverage policy can save you money temporarily, however, full coverage providers a driver with a better level of protection for themselves, and their car. A lot of insurers increase their rates by a lot for the added coverage, however, State Farm remain as the best carrier with the cheapest rates in this category.

    When comparing State Farm with another carrier ranking 5th in the same category, the difference in price came up to $500.

    For drivers looking for an affordable policy with full coverage, State Farm is a fantastic choice.

    Benefits & Drawbacks

    Benefits
    • Generous discount offered for renewals that’s way above industry average
    • Creative discount opportunities on offer, such as usage-based insurance discounts
    • Multiple discounts available for motorists with a focus on safe driving, education, and numerous vehicles, or policies
    Drawbacks
    • Some types of coverage unavailable, including gap insurance
    • Not as affordable for certain groups of drivers, such as drivers with bad credit

    Cheapest Full Coverage Rates In Tuscaloosa

    Company Average Rate Per Year
    State Farm $1,536
    USAA $1,260
    Travelers $1,609
    Nationwide $1,680
    Auto Owners $1,707

    Many motorists assume that minimum coverage covers all expenses in the unfortunate event of an accident – whether it’s with another vehicle or personal property. You should know that minimum coverage will only protect the other person and their property – not you or your vehicle.

    Purchasing full comprehensive coverage gives drivers an additional layer of protection, covering any expenses that relate to both you and your motor.

    Full comprehensive motor insurance policies will cover the following:

    • Property damage liability
    • Bodily injury liability
    • Comprehensive and collision
    • Roadside assistance or rental car reimbursement

    Cheapest Minimum Coverage Rates

    Overall Rating
    4.9

    Key Statistics

    10/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    9/10 Coverage Level

    Why We Like Them

    As with the other categories mentioned in this review, State Farm surpassed other carriers as the cheapest option for Tuscaloosa drivers seeking a minimum coverage policy. Of the 60+ carriers we looked at; State Farm was one of only three insurers to offer annual rates below $1,000.

    State Farm also ranked high in their customer satisfaction ratings, as well as financial strength from independent agencies, and affordable rates. These three elements make State Farm an insurance provider that every type of driver should consider looking at, more specifically, drivers looking for a full comprehensive insurance plan.

    Benefits & Drawbacks

    Benefits
    • Recognized widely for its industry-leading customer service and quality products on offer
    • Motorists can take advantage of many discounts based on their driving record, education, and usage
    • Strong financial ratings from independent agencies including AM Best
    Drawbacks
    • Gap insurance unavailable

    Cheapest Minimum Coverage Rates In Tuscaloosa

    Company Average Rate Per Year
    State Farm $512
    USAA $522
    Allstate $552
    GEICO $718
    Nationwide $816

    If you’re planning to purchase a minimum coverage plan, we suggest keeping Alabama’s legal limits in mind. Below is a list of things that you should make sure are included in your insurance policy:

    • $25,000 bodily injury liability limit per person
    • $50,000 maximum for all bodily injuries to be paid for any one accident
    • $25,000 maximum for property damage per accident

    Tuscaloosa drivers failing to maintain the above minimums could be charged up to $400 for multiple offenses.


    Cheapest Rates For Young Drivers

    Overall Rating
    4.6

    Key Statistics

    8/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    8/10 Coverage Level

    Why We Like Them

    Travelers Insurance do not offer the cheapest policy in every category, however, it’s a good choice for young drivers who have recently received their license, with rates almost $200 less than the 2nd ranked carrier. Travelers Insurance also offer additional coverage options, such as rideshare coverage.

    They are also renowned for their superb customer support, and are known historically for receiving very few complaints from customers, according to the National Association of Insurance Commissioners.

    Benefits & Drawbacks

    Benefits
    • Ranks as one of the best carriers for customer service
    • Large selection of insurance options and customizable plans
    • Drivers have access to accident forgiveness as well as minor violation forgiveness
    Drawbacks
    • Average cost for a typical insurance policy much higher than many other providers
    • Lower bundling discounts when compared to other carriers
    • Mobile app in need of an updated

    Cheapest Rates For Young Drivers In Tuscaloosa

    Company Average Rate Per Year
    Travelers Insurance $2,278
    Farmers $2,593
    State Farm $3,072
    Auto Owners $3,501
    Progressive $3,214

    As a young driver, you’re filled with an excitement that comes with a newfound freedom, but it can be an overwhelming time. With this freedom, comes the responsibility of driving a vehicle safely while on the road.

    Many insurers increase their rates for young drivers because of their inexperience.

    However, as time goes one and a young driver gains more experience on the road, insurance companies calculate a more accurate risk assessment, meaning premiums will decrease as drivers age – if they keep a clean record, that is.


    Cheapest Rates For Senior Drivers

    Overall Rating
    4.2

    Key Statistics

    7/10 Affordability
    8/10 Customer Reviews
    7/10 Payouts
    7/10 Coverage Level

    Why We Like Them

    Although not a widely known provider, Assurance America are a great option for senior drivers in Tuscaloosa, Alabama. Based in Georgia. Assurance America also offer fantastic customer service as well as affordable rates for senior drivers.

    Assurance America also have a downloadable app that’s easy to navigate, making it easy to edit account info and look up payment details.

    Benefits & Drawbacks

    Benefits
    • Offers coverage for drivers needing SR-22s
    • Personalized experience thanks to a superb customer support team
    • User-friendly mobile app makes it possible to access account details quickly
    Drawbacks
    • Limited availability in a select few states
    • Only offers basic coverage options for drivers

    Cheapest Rates For Senior Drivers In Tuscaloosa

    Company Average Rate Per Year
    Assurance America $1,008
    USAA $1,022
    National General $1,069
    Progressive $1,171

    Many senior drivers may find it a challenge to access account information, however, with Assurance America, there are multiple ways of doing this, including contacting a representative. We’ve heard nothing but great reviews from customers speaking highly of their politeness and friendly customer support team.

    As well as accessible account information, many senior drivers are on a fixed income meaning they need affordable insurance. Thankfully, many providers offer a discount for senior drivers that helps to keep costs down.

    Average Cost Of Car Insurance In Tuscaloosa, Alabama

    Insurance Company Average Monthly Quote
    State Farm $106
    USAA $107
    GEICO $167
    Farmers Insurance $197
    Liberty Mutual $343

    Average Cost In Tuscaloosa – By Age

    Age Group Average Monthly Rate
    Teenagers $233
    Under 25 $144
    25-29 $102
    30s $90
    40s $89
    50s $82
    60s $86
    70s $107

    Average Cost In Tuscaloosa – By Gender

    Gender Average Monthly Cost
    Female $129
    Male $132

    Average Cost In Tuscaloosa – Marital Status

    Marital Status Average Monthly Cost
    Single $118
    Married $106

    Average Cost In Tuscaloosa – By Accident And Violation History

    Violation/Incident Type Average Monthly Rate
    Clean Record $106
    Speeding Ticket $144
    DUI/DWI $208
    At-Fault Accident $154

    Average Cost In Tuscaloosa – By Credit Tier

    Credit Tier Average Monthly Rate
    Excellent $80
    Good $89
    Fair $106
    Poor $129

    Average Cost In Tuscaloosa – By Zip Code

    Zip Code Average Monthly Cost
    35401 $114
    35404 $107
    35405 $113
    35406 $122
    35487 $99

    Minimum Car Insurance Requirements In Alabama

    Each state has requirements for a driver’s minimum auto insurance to operate a vehicle legally. For Alabama drivers, the requirements for minimum car insurance include the following:

    • $25,000 bodily injury liability limit per person
    • $50,000 maximum for all bodily injuries to be paid for any one incident
    • $25,000 maximum for property damage per incident

    While the majority of insurers include these coverage amounts in a standard policy, it’s still a good idea to go through the terms of your agreement prior to purchasing..

    How To Purchase Car Insurance In Tuscaloosa

    Many people may assume that buying car insurance is a complicated and time-consuming process, however, utilizing sites such as Insuranceopedia to compare free quotes makes things a little easier, and quicker.

    Listed below are the steps to take when buying car insurance in Tuscaloosa.

    Step 1: Gather Information

    You can fill in details of your car during the actual purchasing process, however, it’s often easier to gather it all before you do so. The details that you’ll be required to provide include the following:

    • Driving history for all drivers named of the policy
    • Information regarding your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
    • Driver’s license numbers for all policy members
    • Name and birthdate of all policy members
    • Information on the current insurer, if you’re switching carriers

    Step 2: Be Aware of Your Coverage Needs

    For drivers in Tuscaloosa, the state of Alabama requires that each driver is covered with the following minimums:

    • $25,000 bodily injury liability limit per person
    • $50,000 maximum for all bodily injuries to be paid for any one incident
    • $25,000 maximum for property damage per incident

    Make a note of the above and keep them in mind as you proceed with your insurance application. You could be issued a fine by the state of Alabama if you fail to have sufficient insurance and minimum coverage.

    Step 3: Select A Purchasing Method

    Nowadays, many people shop online for their insurance as they find it to be the easiest method. It also allows a customer to compare several offers at once without the added pressure of an agent. While this is true, there are still some benefits to taking the traditional route of speaking with an agent.

    For example, working with an agent allows you to ask any questions and receive an answer right away. While many carriers offer a live chat on their website, you may have to wait for the information you need in order to complete the purchase.

    Regardless of which method you prefer, choosing the policy that’s best for you is the most important thing.

    Step 4: Compare Auto Insurance Policies

    It’s often easiest to go with the first quote you get. However, gathering at least three quotes from separate carriers is always recommended. With more quotes, you can compare each on and look into the types of discounts you qualify for.

    Step 5: Purchase Your New Auto Insurance Policy

    The final step is purchasing. You’ll need to buy your new policy and close any open ends at this final stage.

    For example, if you’re switching carriers, you’ll want to cancel your plan with your previous provider after the new policy becomes active.

    Factors That Influence Your Rates In Tuscaloosa

    There are several factors that play a role in determining your monthly payments. For example, your location is often a factor that can have an impact on your premiums.

    The insurance company could deem your location a high-risk zone depending on which zip code you live in or where your car is left overnight. In these zones, car theft and vandalism are often more likely to occur, so rates tend to be higher.

    Along with location, other factors that impact car insurance rates include:

    • Age
    • Gender
    • State Insurance Requirements
    • Driving Record
    • Vehicle Type
    • Average Annual Mileage
    • Credit History
    • Marital Status

    Alabama Car Insurance Laws To Be Aware Of

    Alabama’s predominant insurance law is the minimum liability coverage of 25/50/25. Drivers must carry an plan with a minimum of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

    These coverage levels are a good way of protecting the other driver, however, it will not cover you or your vehicle. To guarantee full protection for you and your vehicle, you’ll need additional insurance such as full comprehensive, or even collision coverage.

    In The News

    • Insurance experts predict rates to increase by 7 percent throughout Alabama, affecting cities such as Tuscaloosa.
    • State Farm could stop offering coverage for certain Kia and Hyundai vehicles due to likelihood of theft within the area

    Information On Tuscaloosa

    Tuscaloosa is the fifth largest city in the state of Alabama, with a population of over 100,000 residents. A vibrant city, nestled along the Black Warrior River, Tuscaloosa is known for its rich history, thriving college scene, and Southern charm.

    The city is home to several museums and historic sites, including the Alabama Museum of Natural History. The Tuscaloosa Amphitheater is a popular venue for outdoor concerts, hosting a variety of musical acts throughout the year.

    Car Insurance Discounts In Tuscaloosa

    As well as seeking an affordable car insurance plan, drivers are encouraged to look at any discounts that may be available to them. Listed below are some of the discounts to keep in mind when looking to buy your next insurance plan:

    • Safe driver
    • Low mileage
    • Accident-free
    • Defensive driving
    • Good student
    • Student away
    • Senior
    • Military
    • Multi-policy
    • Multi-vehicle
    • Paid in full

    FAQs

    Why is Alabama car insurance so high?

    There are many factors that influence the average monthly rates of a state. For Alabama, the state average is higher than other areas of the U.S. for two reasons — high number of accidents as well as a high number of uninsured drivers.

    How much is car insurance in Alabama a month?

    Most drivers can expect a monthly payment average of $135 for insurance in Alabama. However, factors including credit history and a person’s driving record can have an affect on their rates.

    Which company offers the cheapest car insurance in Tuscaloosa, AL?

    State Farm offers the lowest rates in Tuscaloosa, AL, in a number of categories. For example, drivers can expect to pay around $78 per month for a policy through State Farm cheaper, than the state average.

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