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How much is car insurance in Tuscaloosa?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Tuscaloosa are in line with rates across the rest of Alabama.
On the flip side, car insurance rates in Tuscaloosa are often favorable when viewed against the rest of the country. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average rates for auto insurance in Tuscaloosa, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score(depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've analyzed the average rate for Tuscaloosa and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay almost twice as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Tuscaloosa, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Tuscaloosa, having a single accident on your record will usually get you rates around $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $62 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can get keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$49|
The most affordable vehicles to insure in Tuscaloosa are for the most part trucks and vans.
Those with SUV's can expect a monthly premium of about $53 per month, while car owners will typically see a bill of around $55.
Truck and van drivers in Tuscaloosa can expect to pay about $50 per month for coverage.
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)||$57|
Generally, those who are currently married will pay less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
That difference ends up being around $11 a month for drivers in Tuscaloosa.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$61|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $4 a month more than those who own their own home in Tuscaloosa. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Tuscaloosa, AL
Recent trends in car insurance for Tuscaloosa drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when selecting an auto insurance policy.
In Tuscaloosa, car insurance rates rose from 2016-2018, before steadying out in 2019. Rates finished down in 2021, at $54 per month
How does Tuscaloosa compare to neighboring areas?
Why are car insurance rates in Tuscaloosa different from other areas?
Car insurance companies will take into account a lot of factors when deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Number of car accidents
- Availability of off-street parking
- Local laws
- Number of drivers in the community
- Regional crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Tuscaloosa?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Tuscaloosa.
Tuscaloosa Insurance FAQs
What factors affect car insurance quotes in Tuscaloosa?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Tuscaloosa different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Tuscaloosa?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tuscaloosa?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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?