Tuscaloosa Car Insurance

Tuscaloosa, Alabama has better than average job opportunities, an award-winning university and several additional colleges to provide a great education to any resident.

The beautiful Black Warrior River flows through town providing recreation, electricity and water. Tuscaloosa has a vibrant economy with many licensed drivers who enjoy comparatively affordable car insurance.

Enter your zip code now to find Tuscaloosa car insurance to fit your budget!

Regrettably, as 22 percent of all licensed drivers are uninsured, Alabama has one of the highest rates of uninsured drivers in the U.S.

Of course, many the uninsured drivers are in Tuscaloosa, sharing the roads with insured drivers. Although not required by Alabama state law, protection from uninsured and underinsured motorist caused accidents is strongly recommended.

Required Minimum Liability Insurance for Tuscaloosa Drivers

The minimum required amount of liability in Alabama is as follows:

• Up to $25,000.00 per person and $50,000.00 per accident to pay for death or bodily injury to others.
• Up to $25,000.00 per accident to pay for property damage.

Most licensed drivers in Tuscaloosa are protected by at least minimum liability with uninsured and underinsured motorist coverage.

Real Car Insurance Consumers in Tuscaloosa

David, age 31, and Roberta, who is 33, have three young children, a 2012 Honda Odyssey mini-van, and a 2010 Ford F250 pickup truck.

Last May, Roberta hit another vehicle while backing out of a parking space at a neighborhood shopping mall. There were no injuries, but the damage sustained to the other vehicle exceeded $1,000.00 in repair costs. Neither Roberta nor David has had any other incidents in the past 36 months.

David and Roberta want to be adequately covered for the least amount of money. They have selected an extended level policy.

Extended Level Coverage

Extended coverage includes:

• $100,000.00 per person and $300,000.00 per accident for bodily injury.
• $50,000.00 to pay for property damage.
• $100,000.00 per person and $300,000.00 per accident for bodily injury caused by uninsured or underinsured motorist.
• $50,000.00 to pay for property damage caused by uninsured or underinsured motorist.
• $75.00 towing allowance.
• $600.00 rental car allowance.
• Extended level coverage requires a $500.00 deductible payment.

In Tuscaloosa, extended level coverage for David and Roberta and their two vehicles is available to them from these agencies at these monthly payments:

1. USAA - $134.00
2. GEICO - $160.00
3. ALFA Mutual - $189.00
4. State Farm - $201.00
5. Allstate - $221.00
6. Progressive - $360.00

At today’s prices, with another 3 years of accident and violation-free driving, Roberta and David could have monthly payments lowered to these amounts:

1. USAA - $113.00
2. GEICO - $96.00
3. ALFA -$179.00
4. State Farm - $175.00
5. Allstate - $182.00
6. Progressive -$256.00

Jenna, age 23 is a first-year elementary school teacher and a recent graduate of the University of Alabama.

She has also just purchased her very first new car, a Volkswagen GTI. She would like to have the very best coverage for her most valuable asset. The most inclusive car insurance package is premium level.

Premium Level Coverage

If you purchase premium coverage, your plan will include:

• $250,000.00 per person and $500,000.00 per accident for bodily injury.
• $100,000.00 for property damage.
• $250,000.00 per person and $500,000.00 per accident for bodily injury caused by uninsured or underinsured motorist.
• $100,000.00 for property damage caused by uninsured or underinsured motorist.
• $75.00 towing allowance.
• $900.00 rental car allowance.

Premium level requires a $250.00 deductible payment.

An insurance agent advises Jenna that, because she is not yet 25 years old, she would not be able to rent a car, so a rental car allowance has no value to her.

Additionally, Jenna does not own other assets worth protecting such as a home. She is advised to consider an extended level policy with gap insurance to be sure there would be adequate coverage to pay off her new car loan in the event of an accident.

Jenna can pick from the following providers and monthly prices for extended level which includes gap insurance for new car financing:

1. USAA - $87.00
2. GEICO - $117.00
3. ALFA - $149.00
4. State Farm -$164.00
5. Allstate -$190.00
6. Progressive - $279.00

Joan and Bob are in their 70s and retired. They own a 2009 Buick Lucerne. A premium level policy to protect their home and other assets in the event of a lawsuit and worry-free low deductible are ideal for this couple.

In 2013, Bob inadvertently changed lanes while making a left where there were two left-hand turn lanes. Fortunately, he did not hit the driver who was in the right-hand lane for left turns, but he did get a ticket.

With the one traffic violation, a premium level policy in Tuscaloosa for Bob and Joan is available for the monthly payments listed below:

1. ALFA - $89.00
2. USAA - $90.00
3. Allstate - $112.00
4. GEICO - $114.00
5. State Farm - $129.00
6. Progressive Direct -$286.00

Amelia, age 44 and Sam who is 47 have three children, ages 18, 16, and 11. This family owns 3 vehicles: a 2012 Toyota Prius, a 2009 Ford Flex, and a 2004 Honda Civic.

The 16-year-old, a girl, has just received her driver’s license. Amelia and Sam’s 18-year-old son has been driving for two years and has received one traffic violation for following another car too closely. Amelia and Sam have had no accidents or violations in the past 36 months.

They want to keep their monthly car insurance as low as possible by getting basic level coverage.

Basic Level Coverage

• $50,000.00 per person and $100,000.00 per accident for bodily injury.
• $25,000.00 per accident for property damage.
• $50,000.00 per person and $100,000.00 per accident for bodily injury caused by uninsured or underinsured motorist.
• $25,000.00 for property damage caused by uninsured or underinsured motorist.
• $50.00 towing allowance.

Basic level coverage requires a $500.00 deductible payment.

Sam and Amelia can get all four drivers in the household and the three vehicles insured with basic level with the insurance companies and monthly payments listed below:

1. USAA - $384.00
2. ALFA - $541.00
3. State Farm - $625.00
4. GEICO - $672.00
5. Allstate - $748.00
6. Progressive Direct - $914.00

An elderly aunt of Sam’s recently passed away and Sam and Amelia received her 2003 Saturn. They decide to keep the car for their newly licensed daughter. Adding the Saturn to the family insurance policy adds the following amount to their possible monthly premiums.

1. USAA - $450.00
2. ALFA - $585.00
3. State Farm -$683.00
4. GEICO - $688.00
5. Allstate - $805.00
6. Progressive - $960.00

Tuscaloosa is no different from other U.S. cities in that all auto insurance coverage is standard and rates are largely unregulated.

Insurance companies are able to charge widely ranging prices for the same coverage by having different price structures for different licensed driver statuses. Some companies are the most competitive for youthful drivers; others are more competitive when it comes to multi-car discounts or accident-free driving histories.

Just because a licensed driver becomes more experienced and lower risk as most drivers do as they mature does not mean that the insurance company will return the favor by reducing premiums.

The only way licensed drivers in Tuscaloosa can be sure of getting the best car insurance price is to research before it is time to renew. Use our FREE tool below to research the best car insurance rates in your area today!