Cheapest Car Insurance In Tuscaloosa, AL 2025
Auto-Owners is the most cost-effective option in Tuscaloosa, charging around $44 monthly for basic car insurance.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re looking for the most budget-friendly car insurance in Tuscaloosa, AL, expect a wide range of prices.
Auto-Owners has the cheapest liability-only insurance, but if you need full coverage, State Farm has the best rates. Direct Auto is the most affordable option for young drivers.
Cheapest Car Insurance In Tuscaloosa, AL 2025
Cheapest Full Coverage Insurance Rates In Tuscaloosa: State Farm
State Farm stands out as the most budget-friendly option for full coverage in Tuscaloosa, costing about $79 per month.
Check the table below to see how average auto insurance quotes compare among affordable insurers in Tuscaloosa.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $79 | $948 |
| Allstate | $83 | $996 |
| GEICO | $114 | $1,368 |
| Country Financial | $87 | $1,044 |
| Nationwide | $132 | $1,584 |
Cheapest Liability-only Car Insurance In Tuscaloosa: Auto-Owners
Auto-Owners stands out as the most affordable provider of minimum coverage car insurance in Tuscaloosa, costing around $44 per month.
Compare insurance prices from different companies using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $44 | $528 |
| Allstate | $46 | $552 |
| Travelers | $56 | $672 |
| State Farm | $45 | $540 |
| Country Financial | $48 | $576 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm has the best rates for senior drivers in Tuscaloosa, with an average cost of $58 a month.
This table presents average quotes from the most affordable car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $58 | $696 |
| Allstate | $65 | $780 |
| Auto-Owners | $61 | $732 |
| GEICO | $87 | $1,044 |
| Travelers | $79 | $948 |
Cheapest Rates In Tuscaloosa For Teenagers: Country Financial
At $135 per month on average, Country Financial has the lowest insurance rates for teenage drivers in Tuscaloosa.
This table compares the most affordable auto insurance rates available for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $135 | $1,620 |
| State Farm | $147 | $1,764 |
| Auto-Owners | $140 | $1,680 |
| GEICO | $204 | $2,448 |
| National General | $282 | $3,384 |
Cheapest Car Insurance In Tuscaloosa For Good Drivers: Auto-Owners
If you’re a good driver in Tuscaloosa, Auto-Owners has the lowest car insurance quotes at approximately $44 per month.
Use the table below to find the best-priced car insurance options for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $44 | $528 |
| Allstate | $46 | $552 |
| Travelers | $56 | $672 |
| State Farm | $45 | $540 |
| Country Financial | $48 | $576 |
Cheapest Auto Insurance For Young Adults in Tuscaloosa: Direct Auto
The most budget-friendly car insurance for young adults in Tuscaloosa comes from Direct Auto, costing about $65 per month.
The following table highlights the lowest auto insurance rates available to young adults in Tuscaloosa.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $65 | $780 |
| USAA | $164 | $1,968 |
| Liberty Mutual | $82 | $984 |
| Country financial | $190 | $2,280 |
| Safeco | $170 | $2,040 |
Find affordable Tuscaloosa rates
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners is the most cost-effective choice for drivers with an at-fault accident, offering insurance for about $62 per month.
If you have an at-fault accident on your record, these insurers offer the lowest rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $62 | $744 |
| Allstate | $66 | $792 |
| Travelers | $84 | $1,008 |
| State Farm | $65 | $780 |
| GEICO | $87 | $1,044 |
Cheapest Car Insurance In Tuscaloosa After A Speeding Ticket: Auto-Owners
If you have a speeding ticket, Auto-Owners is one of the cheapest options in Tuscaloosa, with an average monthly cost of $58.
If you’ve received a speeding ticket, the table below can help you find average insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $58 | $696 |
| Allstate | $60 | $720 |
| Travelers | $81 | $972 |
| GEICO | $84 | $1,008 |
| Nationwide | $97 | $1,164 |
Cheapest Rates In Tuscaloosa For Drivers After A DUI: Auto-Owners
Auto-Owners stands out as the most budget-friendly insurer for Tuscaloosa drivers with a DUI, offering rates of $71 per month.
If you’re a Tuscaloosa driver with a DUI, use the table below to find the best-priced insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $71 | $852 |
| Allstate | $76 | $912 |
| GEICO | $104 | $1,248 |
| Travelers | $97 | $1,164 |
| Country Financial | $78 | $936 |
Best Car Insurance Companies In Tuscaloosa
Tuscaloosa drivers searching for budget-friendly insurance can choose Auto-Owners for $44 per month, or opt for Allstate at $46 or State Farm at $45.
Below, you’ll find the best car insurance providers in Tuscaloosa, AL, organized by their average monthly prices.
| Company | Monthly Premium |
| Auto-Owners | $44 |
| Allstate | $46 |
| Travelers | $56 |
| State Farm | $45 |
| Country Financial | $48 |
| GEICO | $62 |
| Direct Auto | $60 |
| National General | $61 |
| Nationwide | $70 |
Average Rates In Tuscaloosa – By Vehicle
Insurance rates depend largely on your vehicle. Companies factor in the make, model, and year, with luxury and high-tech cars usually costing more to insure due to expensive repairs and replacements.
The table below provides a comparison of average insurance premiums for different vehicles in Tuscaloosa.
| Vehicle | Average Monthly Rate |
| Toyota Yaris | $60 |
| Nissan Maxima | $207 |
| Hyundai Sonata | $98 |
| Toyota Camry | $195 |
| Hyundai Veloster | $411 |
Average Cost Of Auto Insurance In Tuscaloosa – By Zip Code
Car insurance rates change by zip code because insurers use them to assess local crime statistics.
Use the table to look up average insurance premiums for various zip codes in Tuscaloosa.
| City | Average Monthly Rate |
| 35404 | $137 |
| 35406 | $132 |
| 35405 | $154 |
| 35401 | $150 |
Average Auto Insurance Rates In Tuscaloosa – By Age
Car insurance costs are largely influenced by age. Younger drivers, particularly teenagers, pay more due to their inexperience and higher accident rates. The average annual premium for teens is around $4,779.
Drivers who reach 25 years old often experience reduced insurance rates if they have a good driving history.
Insurance companies often give the best rates to drivers in their 50s and early 60s, using age as a key factor in determining premiums.
| Age | Average Yearly Rate |
| Teenagers | $4,779 |
| 20s | $2,539 |
| 30s | $1,596 |
| 40s | $1,482 |
| 50s | $1,383 |
| 60s | $1,176 |
| 70s | $1,596 |
How Much Is Car Insurance In Other Cities in Alabama?
Insurance companies set rates based on where you live, factoring in risks like theft, vandalism, and accidents—especially in cities, where premiums are typically higher.
Drivers in Birmingham pay roughly $160 per month for car insurance, whereas those in Cullman spend about $121 per month on average.
| City | Average Monthly Rate |
| Florence | $115 |
| Jasper | $131 |
| Birmingham | $160 |
| Mobile | $159 |
| Huntsville | $132 |
| Montgomery | $150 |
| Dothan | $126 |
| Cullman | $121 |
| Athens | $123 |
| Decatur | $125 |
Find affordable Tuscaloosa rates
Our Methodology
I’ve carefully examined factors such as customer satisfaction, policy offerings, affordability, and online reviews to provide a well-rounded view of car insurance options in Tuscaloosa, AL.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Tuscaloosa?
Tuscaloosa drivers can find the lowest minimum coverage rates with Auto-Owners, while State Farm offers the cheapest full coverage, which includes both comprehensive and collision protection.
What is the average cost of car insurance in Tuscaloosa?
In Tuscaloosa, car insurance costs about $150 per month on average, but individual rates differ based on factors like zip code, vehicle model, and driving record.
