By: Ishan Mukhopadhyay Oct. 11, 2018

Raltin surveyed car insurance prices in Tuscaloosa, Alabama, and found that the cheapest premiums are paid by 62-year-old married men driving a 2012 Ford F-250 super duty crew cab, at $437. On the other hand, the most expensive premiums are paid by 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows. For this analysis, Raltin used data from the Alabama Department of Insurance. The collision deductible for the analysis was set at $500. Bodily injury per person, bodily injury per accident, and property damage limits were set at $25,000, $50,000, and $25,000 respectively. The medical payment limit was $1,000.

The most expensive premium for the cohort of 18-year-old women driving 2010 Chevy Silverados is charged by Country Casualty Insurance Company, at $3,661. State Farm Fire & Casualty Company offers the second most expensive premium for 18-year-old women driving 2010 Toyota Camry sedans, at $3,015.

The cheapest premium of $437 is offered by Integon National Insurance Company, for 62-year-old married men driving a 2012 Ford F-250. The second cheapest premium is for 30-year-old married men driving a 2012 Ford F-250 at $688, and the third cheapest is for 25-year-old married men driving a 2010 Chevy Silverado 1500 cab, at $697. The former is offered by Allstate Property and Casualty Insurance Company, while the latter two by Allstate Property and Casualty Insurance Company.

In Tuscaloosa, 62-year-old married men driving a 2012 Ford F-250 can gain the biggest saves in their insurance expenditure, by investing in the right company. The greatest difference between the 75th and 25th percentile in premium rates is for this cohort, at 112.62%. Next in this list are 48-year-old single men driving 2012 Chevy Tahoe cars, at 59.96%.

The following graph compares premium rates across customer cohorts in Tuscaloosa, Alabama.

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The following table compares the car insurance premiums for key cohorts in Tuscaloosa, Alabama, and the difference between the 75th and 25th percentile in premium rates.

CohortCheapest car insurance companies in Tuscaloosa, ALMost expensive car insurance companies in Tuscaloosa, ALMedian car insurance companies in Tuscaloosa, AL25th percentile of car insurance premiums in Tuscaloosa, AL75th percentile of car insurance premiums in Tuscaloosa, ALDollar difference between 25th and 75th percentilesPercentage difference between 25th and 75th percentiles
62-year-old married men driving 2012 Ford F-250 super duty crew cabsIntegon National Insurance Company ($437)Amica Mutual Ins Company ($3,711)USAA General Indemnity Co ($765)Country Preferred Insurance Company ($636)Infinity Select Insurance Company ($1,350)$714112.26%
30-year-old married men driving 2012 Ford F-250 super duty crew cabsAllstate Property And Casualty Insurance Company ($688)Amica Mutual Ins Company ($5,996)Garrison Property And Casualty Insurance Company ($1,158)United Services Automobile Association ($983)Guideone Elite Insurance Company ($1,572)$58959.92%
18-year-old single women driving 2010 Toyota Camry LE four-door sedansUnited Services Automobile Association ($1,265)Amica Mutual Ins Company ($9,814)Guideone Mutual Insurance Company ($2,465)Encompass Indemnity Company ($2,223)State Farm Fire & Casualty Company ($3,015)$79235.63%
48-year-old single men driving 2012 Chevy Tahoe LS carsProgressive Direct Insurance Company ($797)Amica Mutual Ins Company ($4,838)National general insurance online, inc. ($1,107)California Casualty Indemnity Exchange ($969)Mid Century Ins Co ($1,550)$58159.96%
18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windowsUnited Services Automobile Association ($1,457)Amica Mutual Ins Company ($10,134)Victoria Fire & Casualty Co ($2,852)Nationwide General Ins Co ($2,472)Country Casualty Insurance Company ($3,661)$1,18948.1%
25-year-old single women driving 2010 Toyota Camry LE four-door sedansAllstate Property And Casualty Insurance Company ($745)Amica Mutual Ins Company ($3,432)Nationwide Mutual Fire Ins Company ($1,211)Integon National Insurance Company ($1,072)Usaa General Indemnity Co ($1,511)$43940.95%
25-year-old married men driving 2010 Chevy Silverado 1500 extended cabs with two windowsAllstate Property And Casualty Insurance Company ($697)Amica Mutual Ins Company ($3,173)State Farm Mutual Automobile Ins Company ($1,292)California Casualty Indemnity Exchange ($1,091)Nationwide Property & Casualty Ins Company ($1,530)$43940.24%


ABOUT THE AUTHOR

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Ishan Mukhopadhyay

Ishan has over 5 years of experience as a freelance journalist and a content writer. He graduated from The English and Foreign Languages University and holds a Masters degree from the University of Hyderabad. Apart from the English language, Ishan's other passion is data driven journalism.

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