Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Tuscaloosa, AL are $315/month
  • Average car insurance rates in Tuscaloosa, AL for senior drivers are $1,982/year
  • The cheapest car insurance company in Tuscaloosa after a DUI is USAA

Average car insurance rates in Tuscaloosa, Alabama are $315 a month. But with a little research you can get a great deal from the top car insurance companies in Tuscaloosa, AL. Before you buy Tuscaloosa, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Tuscaloosa car insurance rates with Montgomery car insurance rates, Dothan car insurance rates, or Auburn car insurance rates to make sure you’re getting the best Tuscaloosa, AL car insurance quotes available.

Need affordable Tuscaloosa, AL car insurance? Enter your ZIP code to compare Tuscaloosa car insurance quotes from multiple car insurance companies near you.

Tuscaloosa, AL Minimum Car Insurance Coverage

Tuscaloosa, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Tuscaloosa, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tuscaloosa, AL Car Insurance Rates by Coverage Level

Some Tuscaloosa drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Tuscaloosa, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Tuscaloosa, Alabama

Insurance Company Low Medium High
Allstate $3,476 $3,602 $3,744
Farmers $3,968 $4,160 $4,530
GEICO $2,680 $2,901 $3,158
Liberty Mutual $4,892 $5,106 $5,394
Nationwide $2,596 $2,598 $2,662
Progressive $4,318 $4,784 $5,313
State Farm $4,601 $4,889 $5,189
Travelers $3,512 $3,778 $3,823
USAA $2,032 $2,098 $2,199

Tuscaloosa, AL Car Insurance Rates by Age, Gender, and Marital Status

Tuscaloosa, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Tuscaloosa, AL car insurance, get quotes from multiple car insurance companies in the Tuscaloosa area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Tuscaloosa, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,148 $2,041 $1,947 $1,984 $7,664 $8,234 $2,396 $2,446
Farmers $2,396 $2,380 $2,139 $2,277 $9,381 $9,657 $2,715 $2,812
GEICO $2,066 $2,060 $1,972 $2,049 $5,528 $5,421 $2,184 $2,024
Liberty Mutual $2,973 $3,209 $2,442 $2,729 $10,982 $12,203 $3,157 $3,352
Nationwide $1,709 $1,728 $1,560 $1,612 $4,521 $5,808 $1,897 $2,117
Progressive $2,574 $2,407 $2,119 $2,255 $10,796 $12,048 $3,019 $3,223
State Farm $2,951 $2,951 $2,688 $2,688 $9,180 $11,494 $3,341 $3,849
Travelers $1,486 $1,508 $1,401 $1,395 $8,093 $12,746 $1,406 $1,600
USAA $1,311 $1,327 $1,226 $1,197 $3,930 $4,350 $1,704 $1,836

Tuscaloosa, AL Car Insurance Rates for Teens

How much is Tuscaloosa, Alabama car insurance for teens? Compare rates from top Tuscaloosa car insurance companies below to help find the cheapest teen car insurance in Tuscaloosa, AL.

Annual Car Insurance Rates for Teen Drivers in Tuscaloosa, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,664 $8,234
Farmers $9,381 $9,657
GEICO $5,528 $5,421
Liberty Mutual $10,982 $12,203
Nationwide $4,521 $5,808
Progressive $10,796 $12,048
State Farm $9,180 $11,494
Travelers $8,093 $12,746
USAA $3,930 $4,350

Tuscaloosa, AL Car Insurance Rates for Seniors

Before seniors buy Tuscaloosa, Alabama car insurance, they should make sure to shop around. Some Tuscaloosa, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Tuscaloosa, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,947 $1,984
Farmers $2,139 $2,277
GEICO $1,972 $2,049
Liberty Mutual $2,442 $2,729
Nationwide $1,560 $1,612
Progressive $2,119 $2,255
State Farm $2,688 $2,688
Travelers $1,401 $1,395
USAA $1,226 $1,197

Tuscaloosa, AL Car Insurance Rates by Credit History

How does your credit history affect Tuscaloosa, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Tuscaloosa, Alabama

Insurance Company Poor Fair Good
Allstate $4,446 $3,507 $2,869
Farmers $4,727 $4,073 $3,860
GEICO $3,706 $2,642 $2,390
Liberty Mutual $7,335 $4,514 $3,543
Nationwide $3,156 $2,467 $2,234
Progressive $5,407 $4,654 $4,355
State Farm $7,940 $4,014 $2,724
Travelers $4,037 $3,504 $3,572
USAA $2,831 $1,848 $1,651

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tuscaloosa, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Tuscaloosa, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Tuscaloosa.

Annual Tuscaloosa, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,052 $3,611 $4,305 $3,462
Farmers $3,551 $4,598 $4,486 $4,244
GEICO $1,954 $3,163 $3,936 $2,598
Liberty Mutual $4,022 $5,608 $5,473 $5,419
Nationwide $2,294 $2,294 $3,329 $2,558
Progressive $4,330 $5,465 $4,676 $4,749
State Farm $4,400 $5,496 $4,838 $4,838
Travelers $3,083 $3,235 $4,745 $3,755
USAA $1,623 $2,040 $3,022 $1,755

Tuscaloosa, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Tuscaloosa, AL car insurance rates. Compare rates below to see which Tuscaloosa car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Tuscaloosa, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,305
Farmers $4,486
GEICO $3,936
Liberty Mutual $5,473
Nationwide $3,329
Progressive $4,676
State Farm $4,838
Travelers $4,745
USAA $3,022

Tuscaloosa, AL Car Insurance Rates by ZIP Code

Just like Tuscaloosa car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Tuscaloosa, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Tuscaloosa, Alabama

ZIP Code Average Annual Rates
35401 $3,863
35404 $3,891
35405 $3,848
35406 $3,904
35487 $3,969

Tuscaloosa, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Tuscaloosa, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Tuscaloosa companies based on commute time.

Annual Car Insurance Rates by Commute Length in Tuscaloosa, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,608 $3,608
Farmers $4,220 $4,220
GEICO $2,862 $2,964
Liberty Mutual $5,131 $5,131
Nationwide $2,619 $2,619
Progressive $4,805 $4,805
State Farm $4,772 $5,014
Travelers $3,704 $3,704
USAA $2,013 $2,206

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tuscaloosa, AL Cheapest Car Insurance Rates

How do the top Tuscaloosa, Alabama car insurance companies’ average rates stack up against the Tuscaloosa average monthly car insurance rates of $315? Take a look and see.

Best Annual Car Insurance Rates by Company in Tuscaloosa, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Tuscaloosa, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Tuscaloosa, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Tuscaloosa, Alabama

Insurance Company Average Annual Rates
Allstate $3,608
Farmers $4,220
GEICO $2,913
Liberty Mutual $5,131
Nationwide $2,619
Progressive $4,805
State Farm $4,893
Travelers $3,704
USAA $2,110

Other Factors Affecting Tuscaloosa, AL Car Insurance Rates

Before you buy Tuscaloosa, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Tuscaloosa, AL Car Theft Rates

The car theft rate in Tuscaloosa, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Tuscaloosa, Alabama is 315 stolen cars.

Tuscaloosa, AL Commute Time

How does your Tuscaloosa, AL commute time compare with the average driver? In Tuscaloosa, the average commute is 19.0 minutes.

Tuscaloosa, AL Traffic

Spending time in Tuscaloosa traffic can lead to higher car insurance rates. According to INRIX data, Tuscaloosa, AL ranks as the 838th-most congested with traffic in the world.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tuscaloosa, AL Car Insurance Quotes

Compare Tuscaloosa, AL car insurance quotes from multiple companies by entering your ZIP code now.