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Tuscaloosa, AL Cheap Auto Insurance, Find Local Agents in Alabama for Maximum Savings

312 Merchants Walk Ste 5a,
Tuscaloosa, AL
(205) 759-1202
621 Hargrove Rd E,
Tuscaloosa, AL
(205) 248-2136
4200 Mcfarland Blvd E Ste 7,
Tuscaloosa, AL
(205) 345-1222

Illustration of 30, 40, & 55 y/o Driver Cheapest Options

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30 year old driver

The cheapest carriers for a 30 year old with Progressive, Alfa, and Accc. Each at $922, $945, and $956 respectfully. Or about 22 to 23% lower than the "mean" premium within the city.

40 year old driver

Inexpensive auto insurance choices are with Progressive, Alfa, and Accc. Each at $700, $711, and $716 respectfully for full coverage. Which is approximately 22% lower than the average policyholder within Tuscaloosa.

55 year old driver

Competitive choices are with Progressive, National General, and Alfa. Each at $509, $520, and $522 which is approximately 24% lower than the citywide average premium.

Accc and Infinity are good choices with quotes 23% lower than other carriers.

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1420 Mcfarland Blvd Ste 4,
N.port, AL
(205) 248-2057
1302 Greensboro Ave,
Tuscaloosa, AL
(205) 345-6222
2978 U.S. Hwy. 43,
Ste. 1, AL
(205) 487-3238

Cheapest Insurers by Age & Rate

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Overall the most affordable companies are Progressive, Alfa, and Accc. For younger drivers each company is 22% to 24% lower than the average premium for drivers of similar age. For drivers 40 year of age and older, the cheapest carriers are Progressive, National General, and Alfa. Each are 23% to 25% lower than the citywide average policyholder.

Infinity and State Farm are competitive will low quotes for all ages. Both insurers are 19% lower than the "mean" premium rate citywide. Farmers and Allstate offer competitive quotes too. For the most savings and optimum coverage it would be smart to get quotes from any insurers listed.

Tuscaloosa CompanyRate for 30 Y/O DriverRate for 35 Y/O DriverRate for 40 Y/O DriverRate for 45 Y/O DriverRate for 55 Y/O Driver
National General$976$844$722$630$520
State Farm$1,054$867$735$645$544
MetLife $1,099$909$765$698$567
Liberty Mutual$1,155$923$800$712$600
Integon National$1,143$976$821$744$609
Guideone Speciality$1,211$1,032$844$734$612
21st Century$1,288$1,044$888$744$621
Standard Fire$1,387$1,076$915$756$643
Integon General$1,508$1,233$963$789$689

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1211 Lurleen B Wallace Blvd,
N.port, AL
(205) 758-3595
3009 43rd Ave,
N.port, AL
(205) 339-0426
2002 Mcfarland Blvd E Ste 101,
Tuscaloosa, AL
(205) 758-2577
609 Bear Creek Rd,
Tuscaloosa, AL
(205) 345-6936

History, Property Crime, & Driving Laws

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Tuscaloosa County was created on 1819 and the present day boundaries were established in 1820. The county is located in the Appalachian foothills and the coastal plain. The county received its name from the Choctaw Indian word for the Black Warrior River, which flows through the area.

The city's name is derived from two Choctaw Indian words, tushka (meaning "warrior") and lusa (meaning "black"). The city served as the Alabama state capital from 1826 until 1846, at which time it was replaced by the more centrally-located city of Montgomery.

The state university was established in Tuscaloosa in 1827 and began operations in 1831. To this day, the University remains the dominant economic and cultural force in the city.

The city is also home to Mercedes-Benz U.S. International and houses the first Mercedes-Benz automotive assembly plant in North America and the world's only Mercedes-Benz Museum outside of Germany.

A significant number of museums, cultural sites, and sports venues also are located in the Tuscaloosa area. Nearby Northport hosts the annual Kentuck Arts Festival, nationally recognized for its quality and diversity of artistic styles, ranging from folk to contemporary arts as well as traditional crafts.

For outdoor enthusiasts, many venues near Tuscaloosa provide opportunities for recreational activities. Most notable is Lake Lurleen State Park. The County Park and Recreation Authority operates 31 small parks in the area, including Capitol Park in the city of Tuscaloosa, which features the ruins of the old State Capitol building.

Other notable attractions include the Mercedes-Benz Visitor Center & Museum, the Alabama Museum of Natural History, the Children's Hands-On Museum of Tuscaloosa, Heritage Week and the Sakura Festival.

Property Crime & Statistics
Below is a table of automobile thefts and statistics. The higher the odds of your vehicle being stolen the more you may pay for comprehensive coverage. The statistics are lower for residents of Tuscaloosa at 1.96 per 1000 residents compare to the state average of 2.31 per 1000 residents.
Theft StatisticsPer 100,000
Local Auto Thefts 193
Local Thefts (Rate per 1K)1.96
State Thefts (Rate per 1K)2.31
Auto Accidents128
Auto Fatalities28
Property Crime3,735
Larceny Theft3,208
Current Driving Citation Laws
According to the city's ordinance, if you received a citation from an officer you are required to appear in court for the following, suspended license, revoked license, reckless driving, blue lights, leaving the scene, and DUI.

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3920 Mcfarland Blvd,
N.port, AL
(205) 333-7133
917 Mcfarland Blvd,
N.port, AL
(205) 330-0900
1040 S Lurleen Wallace Blvd Suite B,
Tuscaloosa, AL
(205) 758-3355
46 Mcfarland Blvd Ste 2,
N.port, AL
(205) 758-6700
5690 Highway 43 N Ste C,
N.port, AL
(205) 210-3434

Resources, Department of Motor Vehicles & Minimum Coverage Requirements

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Department of InsuranceDepartment of TransportationDepartment of Motor VehiclesMinimum Requirements
2020 Canyon Rd # 200, Vestavia Hills, AL 35216
(205) 823-4042
1000 28th Ave, Tuscaloosa, AL 35401
(205) 248-5800
2645 Skyland Blvd E, Tuscaloosa, AL 35405
(205) 553-0729
Local Website

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2201 Paul W Bryant Dr,
Tuscaloosa, AL
(205) 345-1238
1520 Mcfarland Blvd N Ste D,
Tuscaloosa, AL
(205) 344-5320
2626 7th St,
Tuscaloosa, AL
(205) 339-3688
2113 Lurleen B Wallace Blvd,
N.port, AL
(205) 722-2777
3709 Mcfarland Blvd E,
Tuscaloosa, AL
(205) 553-4300
2216 15th St Ste A,
Tuscaloosa, AL
(205) 345-5166
1806 6th St,
Tuscaloosa, AL
(205) 342-3500
2008 University Blvd,
Tuscaloosa, AL
(205) 366-1457
2105 Jack Warner Pkwy,
Tuscaloosa, AL
(205) 752-0486
1635 Mcfarland Blvd N Ste 501,
Tuscaloosa, AL
(205) 752-8500
1427 22nd Ave,
Tuscaloosa, AL
(205) 758-2537
1811 Skyland Blvd E,
Tuscaloosa, AL
(205) 556-3550
2415 12th St,
Tuscaloosa, AL
(205) 331-4454
4 Oakhill Court Mcfarland Boulevard East,
Tuscaloosa, AL
(205) 556-5363
3651 Watermelon Rd,
N.port, AL
(205) 752-2547
1107 23rd Ave,
Tuscaloosa, AL
(205) 345-0703
1105 Southview Ln Ste 102,
Tuscaloosa, AL
(205) 316-9650
1903 27th St,
N.port, AL
(205) 333-8027
4720 University Blvd E,
Tuscaloosa, AL
(205) 556-2414
602 Skyland Blvd E,
Tuscaloosa, AL
(205) 345-0400
6570 Highway 69 S Ste D1,
Tuscaloosa, AL
(205) 349-2404
5550 Mcfarland Blvd Ste 850,
N.port, AL
(205) 333-0070
1425 Veterans Memorial Pkwy,
Tuscaloosa, AL
(205) 556-5402
1120 Queen City Ave,
Tuscaloosa, AL
(205) 758-4441
520 19th Ave,
Tuscaloosa, AL
(205) 366-8487
1214 Mcfarland Blvd NE,
Tuscaloosa, AL
(205) 758-3391
408 15th St,
Tuscaloosa, AL
(205) 345-5958
1802 Lurleen B Wallace Blvd,
N.port, AL
(205) 722-2804
1723 Hackberry Ln,
Tuscaloosa, AL
(205) 758-9931
2130 Paul W Bryant Dr Ste A,
Tuscaloosa, AL
(205) 759-5555
9770 Highway 69 S Ste B,
Tuscaloosa, AL
(205) 343-9810
1811 Skyland Blvd E,
Tuscaloosa, AL
(205) 556-5152
2710b Skyland Blvd E,
Tuscaloosa, AL
(205) 556-5175
5820 Old Greensboro Rd,
Tuscaloosa, AL
(205) 248-0303
1830 4th St,
Tuscaloosa, AL
(205) 345-2345
4151 University Blvd E,
Tuscaloosa, AL
(205) 554-1455
1402 Veterans Memorial Pkwy Ste D,
Tuscaloosa, AL
(205) 553-8011
320 Hargrove Rd E,
Tuscaloosa, AL
(205) 758-3331
1701 Mcfarland Blvd N,
Tuscaloosa, AL
(205) 345-6363
Top Tips to Save on Your Auto Premium
You want to be sure to compare cheap car insurance quotes and with local agents to maximize your savings.
Top rated insurers like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Be sure to check your policy for mileage. If you drive less you can save hundreds more per year.
Don't assume an older model vehicle cost less to insure. Insurers go by the safety rating.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all discounts. Which can be 20% or more in savings.
A good driving history is the best way to keep your insurance rates as low as possible.
If you pay for coverage upfront in full you can save an additional 10% to 20%.
Don't let your coverage lapse. If so, you will see a spike in rates.
Before buying a car shop for quotes to see how much your premium may be.
If you have an older model vehicle consider dropping optional coverage such as comprehensive and collision.
Do some research and take a few minutes to learn the minimum coverage and other factors which apply in your state.
Maintain good credit to keep your premium as low as possible.
Make sure to do an annual rate check. Plus coverage you may or may not need.

Pros & Cons of Each Insurer

Type company name in search bar to find the pros, cons, and ratings. Otherwise each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
AmicaZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAAJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. USAA is only available to members of the military and their immediate family.5
AllstateAllstate offers a claims satisfaction guarantee. With Allstate's claims guarantee is typically a higher price in premiums. 4.5
American FamilyAttractive features, discounts and benefits including the teen safe driver program. Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. 4.5
Auto-Owners Good enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial Been in business for 85 years and has top financial strength. 24/7 customer service. Coverage is only available in 17 states.4.5
ErieFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. Limited to certain regions of the country. 4.5
GEICOConsistently offers the lowest price. Known to raise rates during the time of the policy. 4.5
NationwideNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
TravelersTravelers offers rates well below the national average. Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
ElectricValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati FinancialOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. 4.2
Liberty MutualStrong customer service with attractive features such a new and better car replacement. New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. 4
MetLifeMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating. Limited availability. Only 14 states you can get a policy.4
Tennessee FarmersLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state. 4
Progressive1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. Doesn't offer new or better car replacement.4
Texas Farm BureauOffers competitive rates for all age drivers particularly drivers over 35. Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. 4
FarmersWith Farmers you can insure about everything. Customer service is not 24/7 and reports of not-so-great claims handling. 4
Plymouth RockExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. 4
Safeco24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. Customers have complained of claims being underpaid. 4
21st CenturyPart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
HartfordMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. Claims satisfaction rating is only 2 out of 5 stars. 4
EsuranceOffers low rates, first rate website, and good customer service. Customers claim Esurance will penalize for cancelling a policy. No local agents. 4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
NJMCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
Safety Ins.VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. 4
WawanesaIf you have a clean driving record your premium should be below average with this insurer. Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. 3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
AlliedRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs. Only available in 19 states.3.5
ArbellaSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
MercuryMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees. 3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms. Not available in all states. Only in Kentucky. 3.5
EncompassStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process. 3.4
ElephantGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average. Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
AcceptanceGreat for non-standard or high risk drivers. Drivers with good driving history will pay above average. Claims process can be time consuming. 3.1
State FarmSuperior claims handling. State Farm has been the best at claims for years. Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates. Claims process can be slow and payout from accidents are lower than expected. 3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. 3
HanoverEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
MapfreCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
KemperKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average. 3
The GeneralHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
SentrySentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. There are a number of customer complaints in the areas of products and services.3
State Auto GroupState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. 3
ChubbCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. Tailors to individuals with higher than average net worth. 3
Good2goOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience. 2.5
InfinityImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great. 2.5
LoyaAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types. 2.5
SafewayIt is difficult to find anything good about this company. Presentation of inconsistent information from website and agents. 2
Access AutoBasic online website with some options so you don't have to talk to an agent. Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. 1.9

Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance Coverage Uninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$899/yrNew Hampshire25/50/25
$893/yrNew Jersey15/30/5
$937/yrNew Mexico25/50/10
$1,041/yrNew York25/50/10
$473/yrNorth Carolina30/60/25
$644/yrNorth Dakota25/50/25
$743/yrRhode Island25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$1,710/yrWest Virginia20/40/10

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