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Tuscaloosa, AL Home Insurance Rates

The city of Tuscaloosa is located in west central Alabama on the banks of Black Warrior River. It is an up-and-coming city in terms of business prospects, as all current businesses are thriving.

The overall weather conditions in the city are average with hot and long summers and short and cold winters. There is enough rain and clouds all year around. This part of the state is prone to tornadoes, floods and, less frequently, earthquakes. These natural disasters can cause a lot of destruction to property, which is why it is best for homeowners in Tuscaloosa to get home insurance as soon as they buy a home.

Tuscaloosa, AL Home Insurance Monthly Rates

The average monthly premium in the state of Alabama for home owners is $144.95 with the city average of Tuscaloosa being $138.08. Compared to the rest of the state, home insurance in Tuscaloosa is a bit cheaper.

The top three companies in the city are State Farm, Liberty Mutual and Travelers. These companies are among the most popular home insurance providers in Alabama. However, the company that offers the cheapest home insurance in the city is Travelers, which is about $120 per month on average. State Farm charges about $162.25, and Liberty Mutual charges about $132 per month.

Zip CodesState FarmLiberty Mutual
Travelers
Zip Code Average
Company averages$162.25$132.00$120.00Tuscaloosa Average: $138.08
35401
$163.58$132.00$128.00
$141.19
35404$158.58$131.00$120.00
$136.53
35405$169.00$121.00$118.00
$136.00
35406$157.83$144.00$114.00
$138.61

To get these numbers, we took the monthly premium rates from these companies for four different zip codes (35401, 35404, 35405, and 35406) and took their average. To get the quotes, we kept the same conditions, which were:

  • 1500 sq. ft. house
  • Built in 2000
  • 2 full baths
  • Estimated home value of $150,000
  • Roof replaced in 2015

The results of the quotes and calculations have been stated above. Each zip code had the following average monthly premium:

  1. 35401 – $141.19
  2. 35404 – $136.53
  3. 35405 – $136
  4. 35406 – $138.62

As you can see, the zip code plays a huge part in the home insurance premium you would have to pay. This is because different areas have different conditions. For example, one location might experience a higher crime rate than the others, making it more prone to insurance claims.

City Statistics

There are some statistics that must be kept in mind when insurance is being taken into consideration, as they will play a role in the amount of home insurance premium you must pay.

The city has about 100,287 residents. It has 46,169 housing units with an average house value of $170,800 and average family income of $40,542. The crime rate in the city is 32% more than the Alabama average with 4,648 annual reported crimes. Keeping all these factors in mind and the zip code of the house, a company arrives at the amount of premium a person must pay for their home.

Home Insurance Tips

When looking for a company to insure your home, try to follow some of these tips:

  • Get quotes from different companies.
  • Research a little on the companies.
  • Ask your friends and family about the company.
  • Compare the pros and cons of different companies with each other.
  • Check for different discounts that a company may offer.

Other Alabama Cities:

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  • Anniston, AL Home Insurance Rates
  • Phenix, AL Home Insurance Rates
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  • Dothan, AL Home Insurance Rates
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