Tuscaloosa Insurance Rates:

Tuscaloosa, AL home insurance is approximately $831 to $1,128, about $69-$94/month. Our exhaustive guide shows customers can save upto $391 by comparing multiple quotes

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Read Tuscaloosa, Alabama Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Tuscaloosa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1090/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 3260 sqft Seasonal Residence Constructed In 2007 with Stone Flooring, Metal Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Bath 3250 sqft Rental Property Constructed In 1987 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $320/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

2 Beds, 2 Bath 1760 sqft Rental Property Constructed In 1974 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $610/10 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Baths 1121 sqft Rental Property Constructed In 1963 with Linoleum, Composition Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Tuscaloosa, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
35401 $99,300 $950
35406 $305,900 $1,080
35405 $163,100 $990
35404 $129,800 $980

Tuscaloosa Rates & Quotes Analysis:

Tuscaloosa Area Estimated House Insurance
Autumn Hill Dr, Cherokee Ave, Ty Rogers Jr Ave, Magnolia Vlg Dr, 38th St, 49th Ave E, Sunset Dr, Crete Cir, Sextonbend Rd, Mimosa Gardens Ln$1,111
33rd Pl, Shea Harbor Dr, Knight Ave, 21st Ave E, 10th Ave E, Dr Edward Hillard Dr, Cedar Lake, 28th Ave E, Parkwood Dr, 3rd St$951
Clearview Hills Cir, Fairmont Dr, 29th Ave, Amanda Dr, Sagewood Dr, 15th Ave E, Charleston Ct, Canyon Mill Rd, 54th Ave E, Stonehill Ln$950
Campus Dr, Perch Dr, 41st Ave E, Green Acres Ln, 3rd St E, 27th Pl, Chestnut St, Elm St, Moundville Ln, Bear Creek Cutoff Rd$943
1st St E, Woodhill Cir, 57th Ave E, Riva Ridge Dr, 3rd St E, Oak Dr, 51st Ave E, 26th St NE, 1st Pl E, 33rd Ct$947
Dauphine Dr, 15th St NE, 5th St NE, McCorvey Dr, 19th St E, Birch Dr, Resource Dr, 47th Ct E, Harbourview Dr, Yellow Creek Rd$903
Petersburg Rd, Herman Boyd Rd, Sage Dr, 25th Ave NE, Holly St, Ridgeland, 6th Ave E, 12th St E, 51st Ave E, 4th St$963
Waco Rd, 23rd Ct, Mimosa Gardens Dr, Argonne Dr, Riverdale Ln, Meadowlawn St, Lesley Dr, Ash Rd, Ozment Rd, Killick Pl$943
Grey Cir, Stardust Dr, Julia Tutwiler Dr, Reichhold Cir, Lurleen Wallace Blvd N, 43rd Ave, Bellwood Dr, Keenes Mill Rd, Hunt Cir, Canyon Mills Dr$948
7th St, 32nd Ave E, Wallace Wade Ave, Carriage Ln E, Short 24th Ave E, 33rd Ct, Bealle St NE, Devotie Dr, Hillcrest School Rd, Southside Dr$927

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,399 Homes (15% of total homes ) built between 1970 to 1979 in Tuscaloosa are paying home insurance between $1,587-$1,602. Places close to Tuscaloosa, AL such as Lake View, Greenwood, Helena are more expensive by $28, $46, $23 respectively while Holt and Big Sandy-Duncanville are cheaper by $85 and $30 respectively for similar homes.
  • Bedrooms: 19,326 3 bedrooms homes (36% of total homes ) in Tuscaloosa are paying about $901 and differs from Northport (+$14), Coaling (+$7), Fosters (+$3), Holt (-$39) and Tuscaloosa County (-$3).
  • Auto Insurance Bundling: 9,896 Households (45% of all households) in Tuscaloosa have 2 vehicles available and when it is bundled with home insurance you can save $195 and differs from Holt ($185), Tuscaloosa County ($195), Northport ($196).
  • Senior Discounts: 11,272 seniors (more than 55 years) occupied housing units (51% of total) in Tuscaloosa get discounts between $146 to $149 compared to Holt ($138), Tuscaloosa County ($146), Northport ($147).
  • New Homes discounts: New homes such as the 25,908 homes built between 2000 to 2009 in Tuscaloosa can save $195 and similar new home insurance discounts in nearby towns and cities like Holt, Tuscaloosa County and Northport are $185, $195 and $196 respectively.

Tuscaloosa Homeowners insurance Facts

  • Tuscaloosa, AL has 21,920 owner occupied houses which is 53.4% of all units whereas Holt, Tuscaloosa County and Northport have 57.3%, 64.0% and 71.29% respectively.
  • Tuscaloosa, AL homeowners yearly insurance price at $979 is 0.62% of the typical house value of $157,400 which is in contrast with 1.3% in Holt, 0.64% at Tuscaloosa County & 0.61% in Northport.
  • Homeowners in Tuscaloosa, AL pay 5.59% of their income ($15,000 to $19,999) in insurance whereas homeowners in Holt, Tuscaloosa County and Northport pay 5.29%, 5.58% and 5.62% respectively.
  • Tuscaloosa, AL’s insurance is 6.4% of monthly housing costs of $1,266/month, for owners with a mortgage compared to 8.54% in Holt, 6.62% at Tuscaloosa County & 6.56% in Northport. But, for households without a mortgage, insurance is 20.6% of costs ($396 in Tuscaloosa, AL) in contrast with 24.58% in Holt, 22.66% at Tuscaloosa County & 26.51% in Northport.

Tuscaloosa, AL Home Values & Insurance rates

For example, insurance for 1,576 Homes (7.0% of total homes ) valued between $300,000 to $399,999 in Tuscaloosa, AL is about $2,173. Rates in nearby areas in such as Northport, Abernant, Lake View are cheaper by $60, $70, $281 respectively while Tuscaloosa County and Big Sandy-Duncanville are costlier by $62 and $467 respectively for similar homes.

Tuscaloosa, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,964 9.0% $146
$50,000 to $59,999 679 3.0% $323
$60,000 to $69,999 404 2.0% $401
$70,000 to $79,999 572 2.0% $460
$80,000 to $89,999 971 4.0% $528
$90,000 to $99,999 996 4.0% $587
$100,000 to $124,999 2,445 12.0% $675
$125,000 to $149,999 2,087 10.0% $851
$150,000 to $174,999 2,844 14.0% $1008
$175,000 to $199,999 1,673 8.0% $1165
$200,000 to $249,999 2,182 10.0% $1399
$250,000 to $299,999 1,624 8.0% $1713
$300,000 to $399,999 1,576 7.0% $2173

Renters Insurance in Tuscaloosa

  • Average Renters Insurance in Tuscaloosa :  $195($16/month)

  • Median Gross Rent in Tuscaloosa :  $756

  • Tuscaloosa Renters Insurance to Median Rent Ratio:  2.12%

  • Renter occupied housing units in Tuscaloosa :  19,147

Tuscaloosa Renters Insurance as a Percentage of Rent

Tuscaloosa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 378 2.0% $348
$200 to $299 505 2.0% $798
$300 to $499 1,809 10.0% $1248
$500 to $749 6,142 34.0% $1923
$750 to $999 5,370 29.0% $2673
$1,000 to $1,499 2,976 16.0% $3798
$1,500 or more 784 4.0% $5448

Protective device discount in Tuscaloosa Up to :  $29

Claims-free discount in Tuscaloosa Up to :  $39