Tuscaloosa Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 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 Farm
They 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.
Allstate
Allstate 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 Insurance
Policy is at least $40 a month cheaper than other companies while saving me money also. This saves me almost $500 a year.
Allstate
Allstates 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.
Allstate
I love it alot they cover a lot from crash cars to letting borrow a car for an emergency
State Farm
My 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 Insurance
We 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 Insurance
They have always answered my questions, been very polite, and I have always had a good experience when talking with their customer service department.
Cincinnati Insurance
They have always answered my questions, been very polite, and I have always had a good experience when talking with their customer service department.
Progressive
I 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.
Esurance
Esurance has all of the benefits and offerings of other companies. They are very competitive and their rates are very good.
Auto-Owners Insurance
Customer Service Agent is responsive. Managed information on my account rapidly. Agent always got answers quickly and followed up if more information was needed
State Farm
What 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.
Progressive
It was virtually the same as our previous insurance, State Farm, for significantly less. We have very high coverage.
Haulers Insurance
The coverage is not as good as some other provider's but the cost is cheaper than most.