Cheap Auto Insurance Quotes in Tuscaloosa, AL (2023)

In this college town of over 100,000 people, it’s not surprising to see residents really rally around their team. Being happy with their auto insurance should come just as easily.

It’s hard to be humble when you’re an SEC champion. The “roll tide” tradition runs strong in these streets. The fact that town traffic swells on game day isn’t surprising, considering the college stadium is the fifth-largest in the U.S. What is surprising, though, is that over 18 percent of Alabamians still drive uninsured. That’s uncalled for when cheaper insurance is so easy to get.

Car Insurance in Tuscaloosa, AL

The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tuscaloosa, AL to find you the cheapest quotes in the area.

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• Cheap Car Insurance Alabama

• Compare Car Insurance

Cheapest Car Insurance in Tuscaloosa, AL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Tuscaloosa, AL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Tuscaloosa. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Alabama

All motor vehicles operated or parked on Alabama roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Alabama^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Alabama is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $50,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Tuscaloosa Car Insurance Rates by Driver Age

At $323 per month, it should be quite possible for many teens in Tuscaloosa to afford to pay car insurance and still have a little spending money left over. In the Heart of Dixie, as driving experience increases, the price of insurance goes down. Twentysomethings with a few years of experience over the youngest drivers see a $40 price cut. The trend continues downward, and most pay below the state average of $208. Those in their 50s find their way to the best deal at $114 per month, $200 cheaper than what the teens shell out.

Tuscaloosa Car Insurance Rates by Driving and Accident History

Drivers in Tuscaloosa know that safe driving is smart in more ways than one. First, drivers get the peace of mind that defensive driving brings, and they get the kickback from the insurance company as discounts for being a “good driver” and “accident-free.” But those savings could go out the door with one late morning to work or school because a speeding ticket shoots up the rate by over $70 per month. A failure to stop is an even worse penalty, costing drivers $100 more on their monthly premiums. Drivers can fix the mishaps on their records with three years of careful driving.

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• High-risk Car Insurance Alabama

• DUI Car Insurance Alabama

Tuscaloosa Car Insurance Rates by Credit Tier

Alabamians ponder just how their Visa payment history and driving history are connected. But the insurance companies claim their statistics show a relationship between credit and insurance risk. Generally, people with the worst credit shell out the most in monthly premiums. Why do people with good credit pay less than those with excellent credit? People with better credit can finance costlier cars and buy more coverage to protect their assets. That said, moving from average to good credit saves over $25 per month, or $300 per year.

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Find local Tuscaloosa agents

Tuscaloosa, AL DMV Information

Alabama’s Department of Motor Vehicles is part of the Alabama Department of Revenue and is responsible for issuing vehicle titles, maintaining vehicle records, administering the Mandatory Liability Insurance law, and issuing motor vehicle regulatory licenses. If you need anything to do with registering or titling, you come here. Separate driver service locations are located throughout the state to deal with the issuance and renewing of licenses.

Public Transportation in Tuscaloosa, AL

Whether it’s university game day or you’re headed to the VA, Tuscaloosa residents have a wealth of ways to get around town. The Tuscaloosa Transit Authority manages this city’s public transportation system and offers ADA-accessible fixed-route bus services to its college campus and VA center as well as various shopping, health, and leisure destinations. Individuals with physical and/or mental challenges who are also city residents can access the city’s on-demand transportation services as well.

For more detailed Alabama city level guides, check out these below.

• Average Cost of Car Insurance Rates in Alabama

• DUI Car Insurance Rates in Alabama

• High-Risk Driver Car Insurance Rates in Alabama

• Alabama Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Alabama

• SR-22 Insurance in Alabama

How to get the best and cheapest car insurance in Tuscaloosa, AL

Game day or not, there’s always going to be traffic on Tuscaloosa roads. A solid auto insurance plan is always a must and no one should ever get behind the wheel unprotected.

While wearing the right colors can prevent negative attention in Tuscaloosa, following traffic laws to a T is your best bet for avoiding a costly wreck. Accidents happen here, that’s a fact. Know what else is for certain? No matter who you root for, Insurify can help you get solid auto insurance at great rates.

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