Average car insurance cost in Tuscaloosa, AL

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The average car insurance cost in Tuscaloosa, Alabama is $1,854 per year, according to Insure.com data analysis. Also, the car insurance rates in Tuscaloosa is $6 less than the average rates in Alabama and $41 less than the national average.

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Tuscaloosa, the average car insurance rates categorized by age and gender, and the cost of car insurance in Tuscaloosa based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Tuscaloosa. Read on to learn more.

Cheap car insurance companies in Tuscaloosa

Nationwide provides the best value for car insurance in Tuscaloosa with coverage limits of 100/300/100, costing $1,195 annually.

A close second is Travelers, which offers car insurance at $1,514 per year.

Read about the best car insurance companies.

Average car insurance cost in Tuscaloosa by coverage limits

In Tuscaloosa, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $473 per year (limits are 25/50/25)
• Liability only coverage: $691 per year (limits are 50/100/50)
• Full coverage: $1,854 per year (limits are 100/300/100)
• Non-owners coverage: $395 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Tuscaloosa

The average car insurance per year for female drivers in Tuscaloosa, Alabama, is $1,875.

Whereas the yearly average car insurance rate for male drivers is $1,832, which is $43 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Tuscaloosa

In Tuscaloosa, car insurance rates are highest for teens, averaging $6,166 per year or $514 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $2,835 annually for their car insurance, which is $3,331 less than what teens pay for their coverage.

In Tuscaloosa, adult drivers pay an average of $1,852 per year for car insurance, while senior drivers pay $1,865 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Tuscaloosa

If we look at the car insurance rates trends in Tuscaloosa, Alabama, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 21%, or $326.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Tuscaloosa, are lower than the average insurance cost in Alabama. Shopping around and taking advantage of available discounts, drivers in Tuscaloosa can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.