Cheapest car insurance in Tuscaloosa, Alabama (Nov 2024)

Written by Maria Cruz and 2 others
Dec 5, 2024
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Cheapest car insurance in Tuscaloosa, Alabama (Nov 2024)

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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 CompanyOverall Jerry ratingAverage annual cost for full coverageAverage annual cost for minimum coverage
Progressive4.5$1,571$542
Safeco4.5$1,566$753
National General3.5$1,100$570
GEICO3.8$1,109$387
State Farm4.5$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 $42 41 35401 Lexus Es 350 State Minimum No
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
Embark General $197 21 35404 Toyota Camry State Minimum No
Last Updated Nov, 2024

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 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
State Minimum Yes Progressive $180 31 35405 Chevrolet Hhr Lt
Last Updated Nov, 2024

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
Last Updated Nov, 2024

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 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
At Fault With No Injury National General $166 37 35404 Hyundai Elantra Sel State Minimum Yes
Last Updated Nov, 2024

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
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
Other Minor National General $43 27 35401 Nissan Murano S State Minimum No
Last Updated Nov, 2024

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
550-659 Progressive $42 41 35401 Lexus Es 350 State Minimum No
550-659 The General $161 27 35405 Toyota Corolla Eco State Minimum Yes
550-659 The General $119 36 35405 Ford Edge Limited State Minimum Yes
550-659 The General $108 26 35405 Honda Civic Ex State Minimum Yes
660-750 Embark General $197 21 35404 Toyota Camry State Minimum No
Last Updated Nov, 2024

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
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
Toyota Camry Le First Acceptance $202 34 35404 State Minimum Yes
Toyota Camry National General $53 36 35405 State Minimum No
Last Updated Nov, 2024

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

  • How much is car insurance in Tuscaloosa?
  • What is the cheapest car insurance in Tuscaloosa?
  • What is the best car insurance in Tuscaloosa?
  • What is the minimum car insurance in Tuscaloosa, Alabama?
MEET OUR EXPERTS
meet-experts-thumbnail
Maria Cruz

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.

meet-experts-thumbnail
Sarah Gray

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.

meet-experts-thumbnail
Josh Damico

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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.