Tuscaloosa, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Tuscaloosa, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance premium in Tuscaloosa, Alabama, is the lowest for older married men
Zimlon surveyed car insurance prices in Tuscaloosa, Alabama, and found that the cheapest premiums are paid by 62-year-old married men driving a 2012 Ford F-250 super duty crew cab, at $437. On the other hand, the most expensive premiums are paid by 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows. For this analysis, Zimlon used data from the Alabama Department of Insurance. The collision deductible for the analysis was set at $500. Bodily injury per person, bodily injury per accident, and property damage limits were set at $25,000, $50,000, and $25,000 respectively. The medical payment limit was $1,000.
The most expensive premium for the cohort of 18-year-old women driving 2010 Chevy Silverados is charged by Country Casualty Insurance Company, at $3,661. State Farm Fire & Casualty Company offers the second most expensive premium for 18-year-old women driving 2010 Toyota Camry sedans, at $3,015.
The cheapest premium of $437 is offered by Integon National Insurance Company, for 62-year-old married men driving a 2012 Ford F-250. The second cheapest premium is for 30-year-old married men driving a 2012 Ford F-250 at $688, and the third cheapest is for 25-year-old married men driving a 2010 Chevy Silverado 1500 cab, at $697. The former is offered by Allstate Property and Casualty Insurance Company, while the latter two by Allstate Property and Casualty Insurance Company.
In Tuscaloosa, 62-year-old married men driving a 2012 Ford F-250 can gain the biggest saves in their insurance expenditure, by investing in the right company. The greatest difference between the 75th and 25th percentile in premium rates is for this cohort, at 112.62%. Next in this list are 48-year-old single men driving 2012 Chevy Tahoe cars, at 59.96%.
The following graph compares premium rates across customer cohorts in Tuscaloosa, Alabama.
The following table compares the car insurance premiums for key cohorts in Tuscaloosa, Alabama, and the difference between the 75th and 25th percentile in premium rates.
| Cohort | Cheapest car insurance companies in Tuscaloosa, AL | Most expensive car insurance companies in Tuscaloosa, AL | Median car insurance companies in Tuscaloosa, AL | 25th percentile of car insurance premiums in Tuscaloosa, AL | 75th percentile of car insurance premiums in Tuscaloosa, AL | Dollar difference between 25th and 75th percentiles | Percentage difference between 25th and 75th percentiles |
|---|---|---|---|---|---|---|---|
| 62-year-old married men driving 2012 Ford F-250 super duty crew cabs | Integon National Insurance Company ($437) | Amica Mutual Ins Company ($3,711) | USAA General Indemnity Co ($765) | Country Preferred Insurance Company ($636) | Infinity Select Insurance Company ($1,350) | $714 | 112.26% |
| 30-year-old married men driving 2012 Ford F-250 super duty crew cabs | Allstate Property And Casualty Insurance Company ($688) | Amica Mutual Ins Company ($5,996) | Garrison Property And Casualty Insurance Company ($1,158) | United Services Automobile Association ($983) | Guideone Elite Insurance Company ($1,572) | $589 | 59.92% |
| 18-year-old single women driving 2010 Toyota Camry LE four-door sedans | United Services Automobile Association ($1,265) | Amica Mutual Ins Company ($9,814) | Guideone Mutual Insurance Company ($2,465) | Encompass Indemnity Company ($2,223) | State Farm Fire & Casualty Company ($3,015) | $792 | 35.63% |
| 48-year-old single men driving 2012 Chevy Tahoe LS cars | Progressive Direct Insurance Company ($797) | Amica Mutual Ins Company ($4,838) | National general insurance online, inc. ($1,107) | California Casualty Indemnity Exchange ($969) | Mid Century Ins Co ($1,550) | $581 | 59.96% |
| 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows | United Services Automobile Association ($1,457) | Amica Mutual Ins Company ($10,134) | Victoria Fire & Casualty Co ($2,852) | Nationwide General Ins Co ($2,472) | Country Casualty Insurance Company ($3,661) | $1,189 | 48.1% |
| 25-year-old single women driving 2010 Toyota Camry LE four-door sedans | Allstate Property And Casualty Insurance Company ($745) | Amica Mutual Ins Company ($3,432) | Nationwide Mutual Fire Ins Company ($1,211) | Integon National Insurance Company ($1,072) | Usaa General Indemnity Co ($1,511) | $439 | 40.95% |
| 25-year-old married men driving 2010 Chevy Silverado 1500 extended cabs with two windows | Allstate Property And Casualty Insurance Company ($697) | Amica Mutual Ins Company ($3,173) | State Farm Mutual Automobile Ins Company ($1,292) | California Casualty Indemnity Exchange ($1,091) | Nationwide Property & Casualty Ins Company ($1,530) | $439 | 40.24% |
Ways to Lower the Cost of Auto Insurance in Tuscaloosa, AL
The average cost of auto insurance in Tuscaloosa, AL, is $1,404. This is lower than in most neighboring places such as Northport, Coaling-Vance, and Coker. Residents of Tuscaloosa should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Tuscaloosa.
Credit Score:
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Tuscaloosa, AL. As the table above indicates, the cost of auto insurance for a driver whose credit score is “exceptional” is as low as $1,205. This can go up to $2,290 if this score is “poor”.
Multi-Car Insurance:
Car owners in Tuscaloosa, AL, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Tuscaloosa, AL, is $2,471, while it would cost $4,942 for four cars. The savings on multi-car insurance in Tuscaloosa also depends on the make and model of the vehicle.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Tuscaloosa, AL, post-DUI, increases to $2,489. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Tuscaloosa. Other violations that can have a long-term impact on auto insurance in Tuscaloosa include driving with an expired license and running a red light. The former leads to an increase of $946, while the latter leads to an increase of $327.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.
Deductibles:
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Tuscaloosa on a low deductible ($500) is $948. It decreases to $800 when the deductible is higher ($1,000).
Factors that can influence the cost of car insurance in Tuscaloosa, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Tuscaloosa, AL Auto Insurance Rates
- Tuscaloosa, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Tuscaloosa, AL
- Multi Vehicle Insurance Savings in Tuscaloosa, AL
- How Credit Score Affects Car Insurance Rates in Tuscaloosa, AL
- How DUI Affects Auto Insurance Premiums in Tuscaloosa, AL
- Top Auto Insurance Agents Near Tuscaloosa, AL
- How Driving Violations Affect Auto Insurance Rates in Tuscaloosa, AL
- Tuscaloosa, AL Auto Insurance Discounts on Anti Theft Feature
- Tuscaloosa, AL Auto Insurance Company Reviews
Tuscaloosa, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Tuscaloosa, AL with that of other cities in and around Tuscaloosa.
| Tuscaloosa | Tuscaloosa County | Northport | Coaling-Vance | Holt | Coker | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,404 | $1,323 | $1,497 | $1,463 | $1,387 | $1,471 |
Tuscaloosa, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Tuscaloosa, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Tuscaloosa | $948 | $800 |
| Holt | $1,913 | $1,616 |
| Tuscaloosa County | $1,225 | $1,034 |
| Northport | $1,730 | $1,462 |
| Big Sandy-Duncanville | $1,722 | $1,455 |
| Coker | $1,520 | $1,284 |
| Coaling | $1,669 | $1,409 |
| Coaling-Vance | $1,513 | $1,278 |
Tuscaloosa, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Tuscaloosa, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,556 |
| 20 Years | $1,804 |
| 30 Years | $1,389 |
| 40 Years | $1,337 |
| 50 Years | $1,238 |
| 60 Years | $1,255 |
| 70 Years | $1,461 |
Tuscaloosa, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Tuscaloosa, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,471 | $337 |
| 3 Vehicles | $3,707 | $505 |
| 4 Vehicles | $4,942 | $674 |
Savings on 2 Vehicles bundle:$337
Savings on 3 Vehicles bundle:$505
Savings on 4 Vehicles bundle:$674
Tuscaloosa, AL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Tuscaloosa, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Tuscaloosa | $1,404 | $2,489 |
| Holt | $1,387 | $2,459 |
| Tuscaloosa County | $1,323 | $2,346 |
| Northport | $1,497 | $2,654 |
| Big Sandy-Duncanville | $1,481 | $2,626 |
| Coker | $1,471 | $2,608 |
| Coaling | $1,479 | $2,622 |
| Coaling-Vance | $1,463 | $2,594 |
Tuscaloosa, AL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,205 |
| Excellent (740-799) | $1,375 |
| Good (670-739) | $1,463 |
| Average (580-669) | $1,909 |
| Poor (300-579) | $2,290 |
Tuscaloosa, AL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Ryan Whitson | State Farm | 1503 Bridge Ave, Northport, 35476-4865 | 205-722-2804 |
| Buddy Martin | Allstate | 5690 Highway 43 N Ste C, Northport, 35473 | (205) 210-3434 |
| John Pradat | Farmers | 1427 22nd Ave, Tuscaloosa, 35401 | (205) 758-2537 |
| Caroline Dorris | State Farm | 2717 7th Ave S Ste 103, Birmingham, 35233-3423 | 205-322-FARM |
| Philip A Bradberry | State Farm | 1425 Veterans Memorial Parkway, Tuscaloosa, 35404-4702 | 205-556-5402 |
| Wayne King | State Farm | 3659 Lorna Rd Ste 151, Birmingham, 35216-5959 | 205-987-0945 |
| Patrick Insurance Agency Inc | Travelers | 705 PLEASANT GROVE ROAD, PLEASANT GROVE, 35127 | 205-744-4088 |
| Jay Friedman | Farmers | 2106 Devereux Cir Ste 200, Vestavia, 35243 | (205) 834-8403 |
| Curtis Gwathney Jr | State Farm | 1560 Montgomery Hwy Ste 203, Birmingham, 35216-4581 | 205-979-1884 |
| Nesbitt & Associates Inc | Travelers | 1008 Montgomery Hwy 1008 Montgomery Hwy Birmingham, Vestavia Hills, 35216 | None |
Tuscaloosa, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,466 |
| Driver's Failure In Showing Documents | +$136 | $1,540 |
| Driving With An Expired Registration | +$145 | $1,549 |
| Driving At A Considerably Slow Pace | +$305 | $1,709 |
| Using A Cellphone While Driving | +$322 | $1,726 |
| Running A Red Light | +$327 | $1,731 |
| Speeding | +$344 | $1,748 |
| Driving A Vehicle Without The Required Permission | +$437 | $1,841 |
| Driving With An Expired/Suspended License | +$946 | $2,350 |
Tuscaloosa, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,348 |
| Active Disabling Device | $1,348 |
| Tracking Device | $1,320 |
| Passive Disabling Device | $1,306 |
Latest Auto Insurance Reviews in Tuscaloosa, AL | Back to Top
State FarmThey have been great so a 5. I really don't have much to compare to, but I have liked them since I started using them 10 years ago.
AllstateAllstate is your typical insurance company that offers all kinds of coverages. They also offer other types of insurance so you can bundle. They offer a diminishing deductible every year that you don't have an accident.
Farmer's InsurancePolicy is at least $40 a month cheaper than other companies while saving me money also. This saves me almost $500 a year.
AllstateAllstates accident forgivendd, and the discounts for good recored has helped me a lot. They also were able to add my daughter and it dd inot raise the premium all that much.
AllstateI love it alot they cover a lot from crash cars to letting borrow a car for an emergency
State FarmMy insurance company offers several different policies that you can choose from. They offer the bottom line policy that doesn't cover much to the top of the line policy that covers a lot.
Safeco InsuranceWe have more coverage, including an umbrella policy, for less money, both deducible and premiums. The customer service is head and shoulders above state farm too!
Cincinnati InsuranceThey have always answered my questions, been very polite, and I have always had a good experience when talking with their customer service department.
Cincinnati InsuranceThey have always answered my questions, been very polite, and I have always had a good experience when talking with their customer service department.
ProgressiveI have rarely needed customer service, but am completely dissatisfied with it. The times I have called it has been to ask questions that could not be answered online, and I could not reach a knowledgeable person that was able to assist me.
EsuranceEsurance has all of the benefits and offerings of other companies. They are very competitive and their rates are very good.
Auto-Owners InsuranceCustomer Service Agent is responsive. Managed information on my account rapidly. Agent always got answers quickly and followed up if more information was needed
State FarmWhat I like about my insurance company's customer support is the availability, and their ability to generate answers very quickly. Those are the most important attributes to myself.
ProgressiveIt was virtually the same as our previous insurance, State Farm, for significantly less. We have very high coverage.
Haulers InsuranceThe coverage is not as good as some other provider's but the cost is cheaper than most.