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How much is car insurance in Tuscaloosa?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Tuscaloosa as it does in the rest of Alabama.
On the flip side, car insurance rates in Tuscaloosa are more affordable than the national average. You can expect to pay about $25 less for your policy in Tuscaloosa than in the rest of U.S.
While these are the average car insurance rates for Tuscaloosa, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rate for Tuscaloosa residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Tuscaloosa.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Tuscaloosa, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Tuscaloosa, having a single accident on your record will usually get you rates around $67 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $60 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$52|
The cheapest vehicles to insure in Tuscaloosa are typically SUVs, with each type typically costing about $54 per month.
Car owners, on the other hand, usually pay around $57 a month, while truck and van drivers can expect to pay about $55 per month for car insurance coverage.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Tuscaloosa, vehicles eleven-to-fourteen years old and eight-to-ten years old are the most expensive to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Overall, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Tuscaloosa, however, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally speaking, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Tuscaloosa follows that pattern, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
One other element taken into consideration is your living accommodations. Those who own their own home in Tuscaloosa can expect to pay around $5 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Tuscaloosa, AL
Recent trends in car insurance for Tuscaloosa drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Tuscaloosa, the rates for car insurance had been increasing from 2017-2018, before leveling out in 2019. Rates finished up in 2022, at $72 a month
How does Tuscaloosa compare to neighboring areas?
Why are car insurance rates in Tuscaloosa different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Availability of off-street parking
- Crime rates
- Community regulations
- Number of drivers
- Road safety
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Tuscaloosa?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering auto coverage in Tuscaloosa.
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Tuscaloosa Insurance FAQs
What factors affect car insurance quotes in Tuscaloosa?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Tuscaloosa different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Tuscaloosa?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tuscaloosa?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Tuscaloosa or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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