Compare the Cheapest Car Insurance Quotes in Huntsville, AL

Huntsville’s average cost of car insurance is $1,125 per year. This amount is lower than the state average by $96. The cheapest widely available comprehensive car insurance in the city is from GEICO and costs $728 per year. MoneyGeek also scored the cheapest insurers across different driving histories and coverage levels to help drivers secure quality service at affordable costs.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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GEICO averages the cheapest car insurance rates in Huntsville, including for a state minimum policy or with a ticket. USAA has great rates for military families. For drivers who prioritize quality service and affordability, MoneyGeek’s top choice in Huntsville is Auto-Owners. Your driving profile and coverage needs determine your best auto insurer.

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The Cheapest and Best Car Insurance in Huntsville

The Cheapest Car Insurance Companies in Huntsville

On average, the cheapest companies for full coverage car insurance in Huntsville are:

  • GEICO: $728 per year
  • Allstate: $799 per year

USAA has the cheapest rate for full coverage in Huntsville at roughly $632 per year but is only available to eligible military members, veterans and their families.

MetLife, with an average annual cost of $1,594, is almost 120% more than GEICO — MetLife has the most expensive full coverage policy in Huntsville.

A full coverage policy includes liability insurance and comprehensive and collision insurance. The amount of liability you choose helps determine your rate.

Cheapest Car Insurance in Huntsville
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $632
  • 2.
    GEICO
    $728
  • 3.
    Allstate
    $799
  • 4.
    Travelers
    $968
  • 5.
    Farmers
    $1,007
  • 6.
    Country Financial
    $1,019
  • 7.
    Progressive
    $1,184
  • 8.
    State Farm
    $1,184
  • 9.
    ALFA
    $1,283
  • 10.
    Nationwide
    $1,491
  • 11.
    MetLife
    $1,594

MoneyGeek calculated the average car insurance rates for different companies using a sample 40-year-old male driver with a full coverage policy in Huntsville, as our methodology outlines.

A full coverage policy is more expensive than a state minimum policy because of its additional coverages on top of liability:

  • Collision insurance: covers at-fault collision damage
  • Comprehensive insurance: covers non-collision-damage like natural disasters, and theft

Collision and comprehensive insurance are valuable because of the protection they provide your car.

If you have an old car, you may want to get a state minimum or liability-only policy to save money, as full coverage may cost more than your car’s value.

Compare Car Insurance Rates in Huntsville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Huntsville for Minimum Coverage

In Huntsville and other cities in Alabama, the coverage amount you choose affects your car insurance premium. If you get a policy that only meets the state minimum requirements, you will pay an average of $581 per year. Meanwhile, if you get a full coverage policy with higher liability limits, you will pay around $544 more annually.

Cheapest Minimum Liability Car Insurance in Huntsville
State Minimum

Alabama requires an auto insurance policy with 25/50/25 in liability limits. This minimum coverage policy in Huntsville is for the budget-minded, but its low coverage amounts could cost you money out of pocket in an at-fault accident.

For example, if you cause damage to another vehicle that exceeds the policy’s $25,000 limit, you need to pay the remaining amount.

Alabama Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Huntsville if You Have Driving Violations

A DUI, ticket or at-fault accident violation raises the cost of car insurance in Huntsville. On average, the companies offering the best rates, depending on the violation, in Huntsville are as follows:

  • Cheapest after a ticket: GEICO, $866 per year
  • Cheapest after an at-fault accident: GEICO, $1,077 per year
  • Cheapest after a DUI: Allstate, $1,070 per year

USAA has the cheapest rate with a ticket or at-fault accident for eligible military members.

Huntsville drivers can improve their poor records to get a better car insurance rate, but it takes time. For now, compare quotes and find the best deal for you after a violation.

Cheapest Car Insurance in Huntsville With a Violation
Speeding Ticket

Average Cost of Car Insurance in Huntsville

Huntsville$1,125
Alabama$1,221
U.S.$1,424

Auto insurance rates vary from city to city. The average cost of car insurance in Huntsville is $1,125 per year. In comparison, that is 7.9% lower than the state average of $1,221 and 21% less than the national average of $1,424.

Personalized Quotes to Get You the Cheapest Car Insurance in Huntsville

To determine car insurance quotes in Huntsville, companies assess various risks associated with the driver. Several factors, such as age, gender, vehicle type, driving record and ZIP code, will impact the annual premium rate. Compare auto insurance quotes regularly to find the best car insurance in Huntsville.

Compare Car Insurance Rates in Huntsville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Huntsville

Huntsville drivers looking for a balance between quality service and affordability can secure the best coverage using MoneyGeek’s research of the best companies in the city.

MoneyGeek’s scoring system found that the best insurance providers in the city for most drivers are:

  • Auto-Owners: MoneyGeek score of 90 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

USAA received the highest score in Huntsville by MoneyGeek's rating system and may be the best choice for military members, veterans and their families.

The ranking system used by MoneyGeek consists of factors such as affordability, customer satisfaction and financial stability scores from J.D. Power.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
ALFA
Score:87.5

4/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:82.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
MetLife
Score:75

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
National General
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code will also have an impact on the cost of car insurance in Huntsville. For example, drivers who live in the most affordable neighborhood for auto coverage in the city — 35811 — pay $19 less than the average annual premium in ZIP code 35810.

  • Zip Code
    State Minimumper year
  • 35811
    $1,116
  • 35810
    $1,135

Factors That Impact Insurance Costs in Huntsville

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Huntsville. How Huntsville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities56th/300
handcuffs2 icon
Most Car Thefts116th/300
uninsured icon
Most Uninsured Motorists by State6th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall22nd/300
umbrella icon
Most Rainy Days93rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Huntsville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.