Tuscumbia, AL Car Insurance

Tuscumbia drivers pay, on average, around $55 a month for their car insurance. Check out our guide below to find out how much you'll pay.
What can Tuscumbia residents expect to pay for their car insurance? How does Tuscumbia stack up to the rest of the area, or even Alabama as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Tuscumbia?

Area Average Monthly Car Insurance Premium
Tuscumbia$55
AL$53
United States$81

Looking at the chart above, you can see that the average monthly price in Tuscumbia is in line with pricing for the rest of Alabama.

That being said, car insurance rates in Tuscumbia are often favorable when viewed against the rest of the country. It's around $26 less to insure your vehicle compared to the average rate for the United States as a whole.

Although these are the average car insurance rates in Tuscumbia, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Tuscumbia residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$232
18-24$87
25-34$43
35-44$45
45-54Not Enough Data
55-64$36
65+$41

Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may begin to go back up in Tuscumbia.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$47

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Tuscumbia, where male drivers pay about $18 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $47 each month, while men pay $65 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$68
1 Ticket$68
Multiple Tickets$38

Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Tuscumbia with a single accident will pay around $61 a month. Likewise, drivers with one ticket will be looking at a rate of around $68 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$106
2-3 Years$177
4-5 Years$55
6-7 Years$89
8-10 Years$48
11-14 Years$49
15 Years or Older$41

In Tuscumbia, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $39 per month for insurance coverage.

Car owners, on the other hand, typically pay around $63 a month, while SUV drivers can expect to pay about $47 per month for insurance coverage.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. 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)$59
Married$42
Divorced$43
Widowed$36

Generally speaking, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Tuscumbia can be as much as $17 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$48
Live with parents$59

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $3 a month more than homeowners in Tuscumbia. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Tuscumbia, AL

Recent trends in car insurance for Tuscumbia drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Tuscumbia, the rates for auto insurance increased from 2017-2018, before decreasing from 2019-2020. They finished down in 2022, at $42.

How does Tuscumbia compare to neighboring areas?

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

Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:

  • Amount of off-street parking
  • Area crime rates
  • Area laws
  • Number of drivers in the area
  • Frequency of car accidents

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Tuscumbia?

While knowing 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.

Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Tuscumbia.

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Tuscumbia Insurance FAQs

What factors affect car insurance quotes in Tuscumbia?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Tuscumbia or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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