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Cheap Car Insurance in Tuscaloosa, Alabama

Get cheap car insurance in Tuscaloosa, a west central Alabama city about an hour outside Birmingham. The seat of Tuscaloosa County, the city was the state capital until 1845. Today, it has an estimated 99,543 residents. Lake Tuscaloosa, a reservoir created in 1970, lies just north of the city and is a popular recreational spot. The Black Warrior River flows through downtown Tuscaloosa. It is made navigable, and the Port of Tuscaloosa made possible, by a series of locks and dams on the river. A popular draw for tourists is the Mercedes-Benz U.S. International Visitor Center and Factory, where visitors can tour the plant floor and see robots assemble various car components.

Driving Conditions in Tuscaloosa

Tuscaloosa lies on Interstate 20, which runs east northeast into Birmingham about 60 miles away. Interstate 359 spurs off of I-20 and ends in downtown after less than three miles.

A drive into Birmingham takes about an hour and 15 minutes via I-20, according to local commuters. The good news is the Birmingham area is often ranked among best U.S. cities for commuting. The average commute time for Tuscaloosa is only 19 minutes, about seven minutes shorter than the U.S. average. Real-time cameras, maps and traffic information can be accessed at

Unique Laws in Tuscaloosa

Alabama laws prohibit 16-year-old drivers from having more than 4 occupants in the car unless accompanied by a parent or guardian, and they cannot drive between midnight and 6 a.m. unless going to school, work or a medical emergency.

Alabama, thankfully, has officially banned driving while blindfolded. A 1964 Birmingham law states it is illegal “for a toilet facility to become so unclean “that foul and offensive odors arise therefrom.” Other city statues ban putting slugs or buttons into parking meters, skating outside a church while services are in session or riding a bicycle at “a speed greater than reasonable and prudent under the conditions then existing.”

Tuscaloosa Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 states there were 480 violent crimes in Tuscaloosa, 14 of which were murder or manslaughter. The local violent crime rate of 480.3 offenses per 100,000 residents is above the national average of 386 offenses per 100,000 people.

The property crime rate in Tuscaloosa the same year was 3,734 offenses per 100,000 residents, also above the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 230 vehicles were stolen in 2016, FBI data shows, a rate of 230.17 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Tuscaloosa safety requirements

Drivers and front-seat passengers must wear seat belts in Alabama. Babies up to a year old or 20 pounds must ride in a rear-facing infant seat, and those up to age 5 or 40 pounds must ride in a child safety seat. Five-and 6-year-olds are required to ride in booster seats and anyone under 15 must wear a seat belt. Drivers aged 16 and 17 with intermediate licenses are banned from using cellphones. Texting and driving has been prohibited in Alabama since 2012.

Tuscaloosa impaired driving laws

Much like the rest of the U.S., the legal breath or blood alcohol content in Alabama is 0.08. There is no minimum mandatory jail sentence for first-time offenders, but they will pay up to $2,000 in fines and receive a driver’s license suspension of 90 days, according to the Alabama Law Enforcement Agency. Second offenders serve a minimum of 48 hours in jail and pay higher fines, while third offenders spend 60 days in jail and can pay up to $10,000 in fines with up to three years license revocation. No matter what your background, it’s possible to find cheap car insurance in Tuscaloosa; contact us to compare rates and options.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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