Cost of Car Insurance in Tuscaloosa, AL

• Average Tuscaloosa car insurance cost is $2,326 per year, or around $194 per month.
• Car insurance rates for a few popular vehicles in Tuscaloosa include the Ford Escape at $2,120 per year, Jeep Wrangler at $2,656, and Mazda CX-5 at $1,898.
• For cheap car insurance in Tuscaloosa, small crossovers like the Buick Encore, Volkswagen Tiguan, Toyota Corolla Cross, and Chevrolet Trailblazer rank very well for overall cost.
• Vehicles with the lowest cost auto insurance for their segment include the Toyota GR Corolla, Subaru Crosstrek, Mercedes-Benz CLA250, and Acura Integra.

How much does car insurance cost in Tuscaloosa?

The average price for car insurance in Tuscaloosa is $2,326 per year, which is 4.6% more than the U.S. overall average rate of $2,221. The average monthly cost of car insurance in Tuscaloosa is $194 for a full coverage policy.

The average price for car insurance in Alabama is $2,300 per year, so Tuscaloosa, AL, drivers pay an average of $26 more per year than the overall Alabama state-wide average rate. When compared to other locations in Alabama, the average cost to insure a car in Tuscaloosa is around $106 per year cheaper than in Mobile, $162 per year less than in Birmingham, and $8 per year less than in Montgomery.

The next chart summarizes car insurance cost in Tuscaloosa for different common policy situations. Rates are averaged for all Tuscaloosa Zip Codes and shown based on different driver ages, physical damage deductibles, and driver risk profiles.

Average car insurance rates in the previous chart range from $1,932 per year for a 40-year-old driver who qualifies for a discount rate to $5,346 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance.

When these rates are converted to a cost per month, the average cost of car insurance per month in Tuscaloosa ranges from $161 to $446.

Driver age is the one factor that has the largest impact on the price of auto insurance. The list below illustrates this point by breaking down average car insurance rates for different driver ages.

Tuscaloosa car insurance cost for drivers age 16 to 60

• 16-year-old rated driver – $8,278 per year or $690 per month
• 17-year-old rated driver – $8,020 per year or $668 per month
• 18-year-old rated driver – $7,187 per year or $599 per month
• 19-year-old rated driver – $6,546 per year or $546 per month
• 20-year-old rated driver – $4,678 per year or $390 per month
• 30-year-old rated driver – $2,482 per year or $207 per month
• 40-year-old rated driver – $2,326 per year or $194 per month
• 50-year-old rated driver – $2,062 per year or $172 per month
• 60-year-old rated driver – $1,928 per year or $161 per month

The cost to insure popular cars, trucks, and SUVs

The rates referenced earlier in this article are the average cost across all 2024 model year vehicles, which is useful for making general comparisons such as the cost difference between two locations. For deeper cost comparisons, however, we need to compare rates for the specific model of vehicle being insured.

In the next few sections, we go into much more detail for specific models, but for now, a few of the most popular models will be used to see how car insurance rates stack up in Tuscaloosa.

The next chart breaks down insurance rates for some of the more popular vehicles you’ll find driving the streets of Tuscaloosa. Later in this article, we analyze additional factors that affect the cost of insuring a few of these models even more in-depth.

The vehicles that are popular in Tuscaloosa tend to be compact and midsize sedans like the Hyundai Elantra, Nissan Sentra, and Kia K5 and small or midsize SUVs like the Ford Escape and Ford Explorer.

Additional popular models from different automotive segments include luxury SUVs like the Lexus RX 350 and Cadillac XT5, luxury cars like the Infiniti Q50 and Lexus ES 350, and pickup trucks like the Toyota Tacoma and Chevy Silverado.

We will explore rates in much more detail in the upcoming sections, but before we dive into that data, let’s take a look at the comparisons and concepts that we covered in the earlier charts and data.

• Average cost per month ranges from $161 to $690 – That is the average car insurance price range for drivers aged 16 to 60 in Tuscaloosa, AL.
• Car insurance with low deductibles costs more – A 50-year-old driver pays an average of $966 more per year for $250 deductibles compared to $1,000 deductibles.
• Tuscaloosa car insurance prices are more expensive than the Alabama state average – $2,326 (Tuscaloosa average) versus $2,300 (Alabama average)
• Car insurance rates decrease a lot in your twenties – The average 30-year-old Tuscaloosa, Alabama, driver will pay $2,196 less per year than a 20-year-old driver, $2,482 versus $4,678.
• Insurance for teens is expensive in Tuscaloosa – Rates can range from $5,537 to $8,278 per year for insurance on a teen driver in Tuscaloosa, Alabama.

Which vehicles have cheap insurance in Tuscaloosa?

The vehicles with the lowest cost average insurance quotes in Tuscaloosa, AL, tend to be crossovers and compact SUVs like the Kia Soul, Subaru Crosstrek, Hyundai Venue, and Buick Envision. Average auto insurance quotes for those crossover SUVs cost $1,886 or less per year, or $157 per month, to get full coverage.

Examples of other models that rank well in our cost comparison are the Ford Bronco Sport, Nissan Murano, Acura RDX, and Subaru Outback.

The average insurance cost is a few dollars per month higher for those models than the cheapest crossovers and small SUVs that rank near the top, but they still have an average cost of $2,024 or less per year.

The next table details the cheapest vehicles to insure in Tuscaloosa, ordered starting with the cheapest.

A table showing 20 vehicles with the cheapest insurance in Tuscaloosa is not really the best way to show a detailed summary of car insurance rates in Tuscaloosa. Considering we track over 700 vehicles, a lot of vehicles get left off the list. So let’s dig deeper and break out the models with the cheapest rates in Tuscaloosa in a more sensible format.

This next article section talks about the different automotive segments and the average cost of car insurance in Tuscaloosa. This should give a good understanding of which vehicles have the overall best Tuscaloosa auto insurance rates. The subsequent sections rank the specific models that have the cheapest insurance rates in the most popular segments.

Tuscaloosa auto insurance rates by vehicle segment

If a different vehicle is in your future, it’s in your best interest to know which styles of vehicles have less expensive car insurance rates.

For instance, you may be curious if midsize cars have more affordable insurance than midsize SUVs or if sports cars have more expensive insurance than regular cars.

The chart below shows the average car insurance cost in Tuscaloosa for each automotive segment. As a general rule, small SUVs, vans, and midsize pickups have the most affordable average auto insurance rates, with luxury, performance, and sports cars having the highest average cost to insure.

Average rates by automotive segment are fine to form a general comparison, but the insurance cost for specific vehicles ranges quite a lot within each segment displayed in the previous chart.

For example, in the midsize luxury SUV segment, average Tuscaloosa auto insurance rates range from the Jaguar E-Pace costing $2,176 per year for full coverage insurance to the Mercedes-Benz AMG GLE63 costing $3,920 per year, a difference of $1,744 within that segment.

As another example, in the large SUV segment, the average insurance cost ranges from the Chevrolet Tahoe costing $2,182 per year up to the Toyota Sequoia at $2,910 per year, a difference of $728 within that segment.

In the upcoming sections, we eliminate a lot of this variability by looking at the cost of car insurance in Tuscaloosa for specific vehicle models.

Cheapest cars to insure in Tuscaloosa, AL

Taking the top ranking in Tuscaloosa for cheapest auto insurance rates in the non-luxury car segment is the Toyota GR Corolla, costing an average of $2,022 per year. Second place is the Nissan Leaf costing $2,038 per year, the third most affordable is the Honda Civic, costing an average of $2,060 per year, and the fourth cheapest is the Nissan Sentra, at an average of $2,132 per year.

Also ranking well are cars like the Toyota Prius, Kia K5, Chevrolet Malibu, and Honda Accord, with an average cost of $2,264 per year or less.

Full-coverage auto insurance in this segment will start around $169 per month, depending on your location and insurance company.

The cheapest compact car to insure in Tuscaloosa is the Toyota GR Corolla at $2,022 per year. For midsize models, the Kia K5 has the cheapest rates at $2,240 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,212 per year.

The comparison table below ranks the cars with the lowest-cost auto insurance rates in Tuscaloosa, starting with the Toyota GR Corolla at $2,022 per year ($169 per month) and ending with the Mazda 3 at $2,404 per year ($200 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Alabama.

SUVs with affordable car insurance in Tuscaloosa, AL

The Subaru Crosstrek comes in at #1 as the cheapest non-luxury SUV to insure in Tuscaloosa, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model has an average cost of $1,720 per year for a full-coverage insurance policy.

Not the cheapest in the list, but still ranking well, are models like the Ford Bronco Sport, Toyota Corolla Cross, Hyundai Venue, and Buick Envision, with average insurance cost of $1,904 per year or less.

Auto insurance rates in this segment for a safe driver can cost as low as $143 per month, depending on your location and insurance company. The table below ranks the SUVs with the lowest-cost average auto insurance rates in Tuscaloosa.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Tuscaloosa car insurance quotes from top companies in Alabama.

Most affordable luxury cars to insure

Out of all 2024 models, the top five most budget-friendly luxury cars to insure in Tuscaloosa are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Insurance rates for these vehicles range from $2,068 to $2,404 per year.

Additional luxury cars that have cheaper rates include the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with average rates of $2,444 per year or less.

Ranked in the lower half of the top 20, cars like the BMW 330e, Lexus ES 250, Audi S3, BMW 228i, and Jaguar XF average between $2,444 and $2,608 per year for full-coverage insurance in Tuscaloosa.

Full-coverage insurance for this segment in Tuscaloosa for a safe driver starts at around $172 per month, depending on your location and insurance company.

The next table ranks the luxury cars with the cheapest car insurance rates in Tuscaloosa.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Tuscaloosa car insurance quotes from top-rated companies in Alabama.

Luxury SUVs with cheap car insurance rates

Ranking #1 in Tuscaloosa for cheapest average insurance rates in the luxury SUV segment is the Acura RDX, with a cost of $1,944 per year. Second place is the Lexus NX 250 costing $2,060 per year, coming in third is the Cadillac XT4, costing an average of $2,098 per year, and the fourth cheapest is the Jaguar E-Pace, at an average of $2,176 per year.

Additional luxury SUVs that have good average insurance rates include the Lexus NX 350h, Lexus NX 450h, Lincoln Corsair, and Lexus UX 250h, with an average cost to insure of $2,242 per year or less.

From a monthly standpoint, auto insurance rates in Tuscaloosa on this segment for a safe driver starts at around $162 per month, depending on where you live and the company you use. The table below ranks the SUVs with the most affordable auto insurance rates in Tuscaloosa, starting with the Acura RDX at $1,944 per year ($162 per month) and ending with the Lexus RX 350 at $2,334 per year ($195 per month).

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Is your luxury SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Tuscaloosa car insurance quotes from top-rated companies in Alabama.

Cheapest pickup truck insurance rates

Ranking at the top for the cheapest Tuscaloosa car insurance rates in the pickup truck segment are the Ford Ranger, Nissan Titan, Chevrolet Colorado, Ford Maverick, and Nissan Frontier. Car insurance quotes for these vehicles average $188 or less per month.

Some other pickups that rank well in our comparison are the GMC Sierra 2500 HD, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average insurance cost of $2,392 per year or less.

As a cost per month, auto insurance on this segment in Tuscaloosa will start around $171 per month, depending on the company and where you live.

The next table ranks the twenty pickups with the cheapest average auto insurance rates in Tuscaloosa.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Alabama.

Sports cars with cheap auto insurance

The four highest ranking sports cars with the lowest-cost average auto insurance rates in Tuscaloosa are the Mazda MX-5 Miata at $2,152 per year, Toyota GR86 at $2,450 per year, Ford Mustang at $2,554 per year, and BMW Z4 at $2,568 per year.

Not the cheapest in the list, but still ranking well, are cars like the Nissan Z, BMW M2, Toyota GR Supra, and Subaru BRZ, with an average car insurance cost of $2,782 per year or less.

Car insurance in Tuscaloosa for this segment for a good driver will start around $179 per month, depending on where you live. The comparison table below ranks the sports cars with the lowest-cost insurance in Tuscaloosa.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Tuscaloosa.

How to find cheaper car insurance in Tuscaloosa

Financially savvy drivers in Tuscaloosa are always searching for ways to reduce their monthly auto insurance expenses, so look through the tips below and maybe you’ll be able to save a little cash on your next policy.

• Shop around for better rates. Setting aside a few minutes to get some free car insurance quotes could save you more than you think. Rates change more often that you might think and you can change companies at any time.
• Earn a discount from your employer. Most auto insurance providers offer discounts for certain professions like engineers, firefighters, scientists, college professors, high school and elementary teachers, and others. Earning this discount could save between $70 and $226 on your yearly auto insurance cost, depending on the coverage levels.
• Save money by qualifying for discounts. Savings may be available if the policyholders drive a vehicle with safety or anti-theft features, sign their policy early, drive low annual mileage, belong to certain professional organizations, or many other discounts which could save the average Tuscaloosa driver as much as $394 per year on their insurance cost.
• Choose vehicles that have more affordable insurance. The vehicle you choose to drive is a huge factor in the cost of auto insurance. For example, a Volkswagen Atlas costs $2,280 less per year to insure in Tuscaloosa than a Acura NSX. Lower performance vehicles save money.
• Pay small claims out-of-pocket. Car insurance companies reduce rates a little if you have no claims. Car insurance should only be used for significant financial loss, not small claims that can be paid out-of-pocket.
• Cheaper rates come with better credit scores. Having a credit score over 800 could save as much as $365 per year compared to a lower credit rating of 670-739. Conversely, a poor credit score could cost up to $423 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Driving citations can increase insurance rates. To get the cheapest auto insurance in Tuscaloosa, it’s necessary to avoid traffic tickets. Not surprisingly, just one or two minor traffic citations have the consequences of increasing policy rates by at least $616 per year.