Best car insurance companies in Tuscaloosa
There’s no “one-size-fits-all” policy when it comes to the best car insurance coverage—and there’s no “one-price-fits-all” either! Comparing car insurance quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.
Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: While big-name carriers like GEICO and State Farm in Tuscaloosa, AL got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Tuscaloosa rate different companies on a scale of 0 to 5, and their average annual costs for both full and state minimum coverage.
| Insurance Company | Overall Jerry rating | Average annual cost for full coverage | Average annual cost for minimum coverage |
|---|---|---|---|
| Progressive | 4.5 | $1,571 | $542 |
| Safeco | 4.5 | $1,566 | $753 |
| National General | 3.5 | $1,100 | $570 |
| GEICO | 3.8 | $1,109 | $387 |
| State Farm | 4.5 | $1,245 | $422 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance in Tuscaloosa
On average, auto insurance in Tuscaloosa costs about $88 per month for minimum coverage liability insurance, and about $114 per month for full coverage insurance. In Tuscaloosa drivers pay 9% more than the national average.
Smart car insurance shoppers in Tuscaloosa, Alabama come to Jerry every month, because Jerry makes it easy for customers to compare and buy car insurance quotes. Below are some cheapest car insurance quotes Jerry found for our Tuscaloosa customers.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $259 | 25 | 35404 | Buick Encore Gx Sport Tour | 100/300 | Yes |
| Assurance America | $131 | 50 | 35404 | Toyota Camry Trd | State Minimum | Yes |
| National General | $43 | 26 | 35404 | Nissan Versa S | State Minimum | No |
| Progressive | $193 | 26 | 35401 | Toyota Camry Xse | State Minimum | Yes |
| Progressive | $78 | 51 | 35405 | Infiniti G37 | State Minimum | No |
Best cheap car insurance quotes in Tuscaloosa
Alabama has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Tuscaloosa and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Tuscaloosa
In Alabama, every liability car insurance policy must meet the minimum requirements for coverage.
Your insurance provider must insure you for at least $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability coverage per accident.
No auto insurance company in Alabama will sell you a policy with lower coverage limits than that. It’s often referred to as the “25/50/25 rule”.
Do you need more than minimum coverage in Tuscaloosa?
Most drivers in Tuscaloosa need higher liability coverage than the 25/50/25 state minimum mandated by Alabama car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over these minimum limits—especially if there are serious injuries. Additionally, if someone else’s car is totaled and you’re liable, the cost to replace it could quite possibly be more than $40,000—which is well beyond that $25,000 minimum.
For better financial protection: Consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full-coverage car insurance quotes in Tuscaloosa
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.
Full coverage includes comprehensive and collision coverage:
- Collision coverage covers the cost of fixing or replacing your car after an accident.
- Comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
Keep in mind: If you have a loan on the car, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Take a look at these recent examples of cheapest Tuscaloosa full coverage quotes that Jerry’s agents helped our customers obtain.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | Bristol West | $271 | 25 | 35401 | Buick Regal Cxl |
| State Minimum | Yes | The General | $161 | 27 | 35405 | Toyota Corolla Eco |
| State Minimum | Yes | The General | $119 | 36 | 35405 | Ford Edge Limited |
| State Minimum | Yes | The General | $108 | 26 | 35405 | Honda Civic Ex |
| State Minimum | Yes | Trexis | $357 | 37 | 35405 | Dodge Charger R/T |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Tuscaloosa
By helping lots of drivers in Tuscaloosa find car insurance, we found that the average cost for minimum liability coverage is $88 per month or $1,056 per year. The average cost for full coverage insurance in Tuscaloosa is $114 per month or $1,364 per year.
While average insurance rates can help you predict your own insurance costs, it’s important to note that each driver’s insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.
Car insurance quotes in Tuscaloosa by rating factors
Insurance companies in Tuscaloosa use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
Cheap car insurance quotes in Tuscaloosa after driving violations
Your Alabama driving history impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate.
Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Tuscaloosa after speeding ticket
In Tuscaloosa, a speeding ticket could increase your car insurance. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Bluefire | $135 | 33 | 35405 | Jeep Compass | State Minimum | Yes |
| Speeding Violation-Minor | National General | $82 | 34 | 35405 | Honda Accord Lx | State Minimum | No |
| Speeding 16-20 | Bristol West | $78 | 54 | 35405 | Chrysler Aspen Limited | State Minimum | No |
| Speeding 16-20 | Gainsco | $128 | 39 | 35404 | Chevrolet Camaro Lt | State Minimum | No |
| Speeding Violation-Minor | The General | $268 | 34 | 35405 | Chevrolet Impala Lt | State Minimum | Yes |
Cheapest car insurance in Tuscaloosa after DUI
In Tuscaloosa, a DUI violation can increase your insurance rate.
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Tuscaloosa drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Tuscaloosa after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Tuscaloosa drivers, car accidents could result in an average rate increase of.
Alabama is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Tuscaloosa drivers save on car insurance after accidents.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Bristol West | $271 | 25 | 35401 | Buick Regal Cxl | State Minimum | Yes |
| At Fault With No Injury | The General | $161 | 27 | 35405 | Toyota Corolla Eco | State Minimum | Yes |
| At Fault With No Injury | The General | $108 | 26 | 35405 | Honda Civic Ex | State Minimum | Yes |
| Not At Fault | Trexis | $357 | 37 | 35405 | Dodge Charger R/T | State Minimum | Yes |
| At Fault With No Injury | Progressive | $180 | 31 | 35405 | Chevrolet Hhr Lt | State Minimum | Yes |
Cheapest car insurance in Tuscaloosa after other driving violations
In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase in Tuscaloosa.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Other Minor | National General | $52 | 33 | 35404 | Mazda 6 Sport | State Minimum | No |
| Failure to Obey Signal | Progressive | $42 | 41 | 35401 | Lexus Es 350 | State Minimum | No |
| Driving on Sus. License | Bristol West | $122 | 27 | 35404 | Nissan Sentra S | State Minimum | Yes |
| Child Safety Restraint | Embark General | $95 | 30 | 35401 | Lexus Ls 430 | State Minimum | No |
| Other Minor | National General | $98 | 26 | 35405 | Honda Civic Ex | State Minimum | No |
Cheap car insurance quotes in Tuscaloosa by age
Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.
Cheapest car insurance in Tuscaloosa for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Tuscaloosa. For teen car owners who drive newer cars, full coverage would afford better financial protection, as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.
Cheapest car insurance in Tuscaloosa for senior drivers
Car insurance rates start to rise once you get into your mid-70s. Car insurance rates for seniors tend to be higher due to several reasons. Older drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.
Cheap car insurance quotes in Tuscaloosa based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates.
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Cheap car insurance quotes in Tuscaloosa for drivers with poor credit
A high credit score tells car insurance companies you have a history of paying your bills. And because insurance providers are allergic to risk, they’re usually happy to throw lower rates your way.
However, you’re not out of luck with a low credit score. To help you deal with the higher rates that drivers with poor credit typically find, Jerry partners with numerous companies who work with Alabama drivers with a credit score of 550 or less.
Take a look at the table below to see how drivers with low credit saved with Jerry.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 660-750 | Progressive | $259 | 25 | 35404 | Buick Encore Gx Sport Tour | 100/300 | Yes |
| 550-659 | Assurance America | $131 | 50 | 35404 | Toyota Camry Trd | State Minimum | Yes |
| 550-659 | National General | $43 | 26 | 35404 | Nissan Versa S | State Minimum | No |
| 660-750 | Progressive | $193 | 26 | 35401 | Toyota Camry Xse | State Minimum | Yes |
| 660-750 | Progressive | $78 | 51 | 35405 | Infiniti G37 | State Minimum | No |
Cheap car insurance quotes in Tuscaloosa for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Tuscaloosa include:
- Toyota Camry
- Honda Civic
- Ford Bronco
- Toyota Prius
- Tesla Model Y
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Toyota Camry Trd | Assurance America | $131 | 50 | 35404 | State Minimum | Yes |
| Toyota Camry Xse | Progressive | $193 | 26 | 35401 | State Minimum | Yes |
| Honda Civic Ex | The General | $108 | 26 | 35405 | State Minimum | Yes |
| Toyota Camry | Embark General | $197 | 21 | 35404 | State Minimum | No |
| Honda Civic Lx | National General | $35 | 37 | 35401 | State Minimum | No |
How to lower car insurance costs in Tuscaloosa
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Learn more: 11 ways to lower car insurance
FAQ
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Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
