Tuscumbia, AL Car Insurance

The average cost for car insurance in Tuscumbia is about $56 a month. To learn more about car insurance rates in the Tuscumbia area, read our guide below.
How does Tuscumbia compare to the surrounding area and the rest of Alabama? What rates should residents of Tuscumbia expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Tuscumbia?

Area Average Monthly Car Insurance Premium
Tuscumbia$56
AL$52
United States$80

Car insurance policies across the rest of Alabama are about $4 a month cheaper than the rates drivers pay in Tuscumbia.

That being said, car insurance rates in Tuscumbia are often favorable when viewed against the rest of the country. It's about $24 cheaper to insure your vehicle in Tuscumbia compared to the average rate for the U.S. as a whole.

These may be the average auto insurance rates for Tuscumbia, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Tuscumbia so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$232
18-24$88
25-34$42
35-44$45
45-54$40
55-64$36
65+$41

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $47 more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. Tuscumbia drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$48

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Tuscumbia totals about $20 a month. As you can see in the chart above, car insurance for women in the area typically costs around $48 each month, while men pay $68 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$69
Multiple Accidents$44
1 Ticket$91
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Tuscumbia with a single accident on their record will usually see rates around $69 a month. In addition, drivers with one ticket can expect to pay around $91 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$106
2-3 Years$177
4-5 Years$56
6-7 Years$111
8-10 Years$50
11-14 Years$50
15 Years or Older$40

The cheapest vehicles to insure in Tuscumbia are typically trucks and vans, with each type typically costing about $41 per month.

Car owners will see a monthly bill of about $65, while SUV owners by and large pay around $47 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Tuscumbia, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$42
Divorced$42
Widowed$36

On average, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Tuscumbia as well, where the difference is around $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$49
Live with parents$62

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $4 a month more than those who own their own home in Tuscumbia. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Tuscumbia, AL

Recent trends in car insurance for Tuscumbia 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.

Car insurance rates in Tuscumbia had been increasing from 2016-2018, before trending downward from 2019-2020. They finished up in 2021 at $44 a month.

How does Tuscumbia compare to neighboring areas?

Why are car insurance rates in Tuscumbia different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Total number of drivers
  • Road Safety (frequency of local car accidents)
  • Crime
  • Availability of off-street parking
  • Laws

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Tuscumbia?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Tuscumbia.

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Tuscumbia Insurance FAQs

What factors affect car insurance quotes in Tuscumbia?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Tuscumbia different from other neighboring cities?

Crime rates, parking situations, 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 Tuscumbia?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Tuscumbia?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Tuscumbia or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes