AIG offers the lowest car insurance rates in Huntsville, with average annual premiums of $291 for minimum coverage and $878 for full coverage. Cincinnati, Auto-Owners and Travelers also provide affordable coverage in the city.
Car Insurance in Huntsville
Updated: August 29, 2025
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Key Takeaways
The cheapest car insurance companies in Huntsville include AIG, Cincinnati and GEICO, with rates up to 39% lower than the city average.
In Huntsville, monthly car insurance costs average $102 for full coverage and $54 for minimum coverage.
You'll find the best cheap auto insurance in Huntsville by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Huntsville?
| AIG | $24 | $73 | -39% |
| Cincinnati | $25 | $81 | -34% |
| GEICO | $41 | $89 | -19% |
| Auto-Owners | $44 | $87 | -19% |
| Travelers | $51 | $92 | -11% |
Cheapest Huntsville Car Insurance by Category
In Huntsville, AIG offers the cheapest rates for six driver categories. Travelers leads for drivers with newer cars, while Cincinnati wins for bad credit and COUNTRY Financial ranks most affordable for young drivers.
| Young Drivers | COUNTRY Financial | $98 |
| Adult Drivers | AIG | $24 |
| Senior Drivers | AIG | $36 |
| Drivers With an Accident | AIG | $30 |
| Drivers With a DUI | AIG | $26 |
| Drivers With a Speeding Ticket | AIG | $26 |
| Drivers With Bad Credit | Cincinnati | $53 |
| Drivers With Newer Cars | Travelers | $49 |
| Drivers With Old Cars | AIG | $18 |
Compare the Cheapest Huntsville Car Insurance for You
Your driving record and personal details affect your car insurance rates. Check the table below to find the cheapest insurance companies for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| AIG | $24 | $291 | -57% |
| Cincinnati | $25 | $294 | -56% |
| GEICO | $41 | $496 | -26% |
| Auto-Owners | $44 | $522 | -22% |
| Travelers | $51 | $612 | -9% |
Best Car Insurance Companies in Huntsville
In Huntsville, the top car insurance companies are Cincinnati, AIG, Auto-Owners, Travelers and GEICO. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Cincinnati | 94 | 2 | 4 | 3 |
| AIG | 92 | 1 | 8 | 6 |
| Auto-Owners | 90 | 4 | 1 | 6 |
| Travelers | 87 | 5 | 2 | 5 |
| GEICO | 86 | 3 | 5 | 7 |
Cincinnati: Best Overall Provider
pros
Strong coverage options available
Excellent affordability ratings
High customer satisfaction scores
cons
Limited digital tools
COMPANY HIGHLIGHTS
Cincinnati ranks first in Huntsville with balanced performance across all categories. The company stands out for its strong coverage options and competitive rates. Its high affordability score and solid customer experience make it particularly good for drivers with bad credit, while maintaining above-average scores in all other categories.
AIG: Best for Affordable Rates
pros
Lowest rates in Huntsville
Multiple driver discounts available
Good for high-risk drivers
cons
Lower customer satisfaction scores
Basic coverage options only
COMPANY HIGHLIGHTS
AIG offers the most affordable car insurance in Huntsville, earning top marks for affordability. It's the cheapest option for several driver categories, including those with DUIs, speeding tickets, and accidents. While customer service ratings fall below some competitors, AIG's competitive pricing and accessibility for high-risk drivers make it a strong choice for budget-conscious shoppers.
How Much Is Car Insurance in Huntsville?
In Huntsville, minimum coverage costs about $54 per month or $645 per year, ranking 371st out of all Alabama cities for affordability. Full coverage averages $102 monthly or $1,223 annually, ranking 416th among Alabama cities.
| Full Coverage | $102 | $1,223 |
| Minimum Coverage | $54 | $645 |
Huntsville Car Insurance Cost by Category
In Huntsville, monthly coverage costs vary from $49 to $248 depending on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $127 | $248 |
| Adult Drivers | $54 | $102 |
| Senior Drivers | $74 | $135 |
| Drivers With an Accident | $75 | $147 |
| Drivers With a DUI | $83 | $164 |
| Drivers With a Speeding Ticket | $64 | $125 |
| Drivers With Bad Credit | $119 | $243 |
| Drivers With Newer Cars | $72 | $139 |
| Drivers With Old Cars | $49 | $93 |
Huntsville Car Insurance Costs by ZIP Code
In Huntsville, car insurance rates by ZIP code range from $51 to $114 per month. ZIP code 35811 is the most expensive, while 35813 is the overall cheapest with $51 and $97 per month. Check the average rates for your ZIP code below.
Data filtered by:Results filtered by:
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ZIP Code:35801
| 35801 | $52 | $99 |
Compare Personalized Huntsville Car Insurance Costs
Filter these average rates by age group and driving record to find prices that match your exact driver profile in Huntsville.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
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Driving Record:Clean
| $58 | $700 | 1% |
How to Get the Best Cheap Huntsville Car Insurance
Finding affordable car insurance in Huntsville can be challenging with the area's high rates and complex coverage options, but you can lower your costs with the right approach. This step-by-step guide shows you how to get the cheapest car insurance while maintaining good coverage for your needs.
- 1
Calculate your coverage needs first
Start by determining how much coverage you need. Use our car insurance coverage needs calculator to understand your requirements. Consider your car's value, your assets and your risk tolerance when choosing coverage levels.
- 2
Explore different insurance types
Look into various types of car insurance to find the best fit. If you drive infrequently, pay-per-mile coverage might save you money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know the typical costs
Research average vehicle insurance costs in Huntsville to set realistic expectations. Understanding local rates helps you identify truly competitive quotes and avoid overpaying. Personal factors like driving history and coverage choices will affect your actual rates.
- 4
Check available discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for good driving records, safety features and paying your premium in full.
- 5
Research company reliability
Look beyond prices when choosing an insurer. Check customer reviews, financial strength ratings and claims satisfaction scores for companies serving Huntsville. A slightly higher premium from a reliable insurer might save you money and stress when you need to file a claim.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies to compare rates. Use a mix of local agents, online quotes and insurance comparison websites. Make sure each quote includes the same coverage levels and deductibles.
- 7
Review your policy yearly
Set a reminder to review your car insurance policy annually. Life changes, like improving credit scores, moving or buying a new car can affect your rates. Shopping around each year helps you find the best rates.
Cheapest Car Insurance in Huntsville: Bottom Line
Car insurance rates in Huntsville depend on your driving record, credit score and coverage needs. While AIG and Cincinnati offer the lowest average premiums, you'll need to compare quotes from multiple providers to find your best rate.
Cheap Huntsville Car Insurance: FAQ
Looking for affordable car insurance in Huntsville? We've researched local providers and rates to answer your questions about finding the right coverage at the best price.
What is the cheapest car insurance company in Huntsville, Alabama?
AIG offers the lowest rates in Huntsville, with average annual premiums of $291 for minimum coverage and $878 for full coverage. Actual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Huntsville?
Cincinnati leads Huntsville's car insurance providers with a MoneyGeek score of 94 out of 100, scoring 2 points higher than AIG. The company excels in both affordability and customer service.
What is the average cost of car insurance in Huntsville?
In Huntsville, drivers pay $1,223 per year for full coverage and $645 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Huntsville expensive?
Car insurance in Huntsville costs more than average, ranking 371st for minimum coverage affordability and 416th for full coverage compared to other Alabama cities.
How We Chose the Best and Cheapest Car Insurance in Huntsville, AL
To help Huntsville drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Alabama Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Alabama to tailor options as closely as possible to you.
Huntsville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Huntsville
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Alabama are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
