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What's the average car insurance rate in Tuscaloosa?


The average car insurance rate in Tuscaloosa is $1,479 per year. That's more than the average in Alabama ($1,450) and less expensive than the national average of $1,548. Continue reading to see how much you can expect to pay for insurance based on your marital status, age, credit score and other factors in Tuscaloosa.


AUTO INSURANCE COSTS: TUSCALOOSA VS. STATE AND U.S. AVERAGES
Tuscaloosa Average (annual) Alabama Average U.S. Average
$1,479 $1,450 $1,548


Table of contents:


Tuscaloosa auto insurance rates by provider


One of the most important determinants of your car insurance rates is the insurance company you work with. In Tuscaloosa, USAA provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Tuscaloosa.


TUSCALOOSA AUTO INSURANCE PREMIUMS BY COMPANY
Company Average Annual Rate
USAA $947
GEICO $986
Alfa $1,609
Safeway $1,647
Allstate $1,653


Read our guide to finding the best cheap auto insurance.



Auto insurance premiums by age in Tuscaloosa

The age group that pays the least for car insurance in Tuscaloosa are drivers in their 50s ($1,319 per year). Those in their 60s don't pay much more ($1,340).

Teenage drivers pay Tuscaloosa's most expensive car insurance rates. When drivers hit their 20s in Tuscaloosa and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Tuscaloosa is $3,637, the largest such difference between any two age groups.


TUSCALOOSA AUTO INSURANCE COSTS BY AGE
Age bracket Average Yearly Rate
Teenagers $5,625
20s $1,988
30s $1,457
40s $1,417
50s $1,319
60s $1,340
70s $1,570


Dive into the data on car insurance and age.



Tuscaloosa car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In Tuscaloosa, married drivers pay $115 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims.

Another component of auto insurance pricing is gender. In Tuscaloosa, the gap in average auto insurance premiums between genders is $7 per year, with male drivers paying more than female drivers.


TUSCALOOSA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital Status Average Annual Rate
Female $1,472
Male $1,479
Single $1,479
Married $1,364
Divorced $1,479
Widowed $1,440


Learn more about how gender and marital status have on auto insurance rates.



Tuscaloosa car insurance costs by citation and accident history


Regardless of where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to an increase in your auto insurance costs, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Tuscaloosa drivers found guilty of reckless driving face insurance rate increases of $888 per year, compared to the citywide average. A DUI violation is likely to cause a $927 increase, while a citation for speeding leads to a $235 rate hike.


AVERAGE TUSCALOOSA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Annual Rate
DUI/DWI $2,406
Reckless Driving $2,367
At-fault Accident (damages less than $1,000) $1,999
At-fault Accident (damages greater than $2,000) $2,141
Speeding Ticket (16-20 mph over speed limit) $1,714


Learn more about how citations can raise your auto insurance rates.



Tuscaloosa auto insurance rates by credit level


A driver's credit level can be closely correlated with their auto insurance rates. In Tuscaloosa, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 58% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Tuscaloosa, improving your credit to "Fair" corresponds with a $642 decrease in annual car insurance rates.


TUSCALOOSA CAR INSURANCE RATES BY CREDIT TIER
Credit Tier Average Annual Rate
Very Poor $2,984
Fair $2,342
Good $1,905
Very Good $1,564
Exceptional $1,256


Get additional information on how credit impacts car insurance costs.



Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.