The cheapest minimum and full coverage insurers in Huntsville are Cincinnati Insurance and Nationwide, respectively. For military drivers, USAA is the cheapest, while Nationwide is excellent for teen drivers and those with tickets. Allstate is ideal for drivers with DUIs, and Country Financial is the cheapest for those with accidents. Your profile will determine the cheapest option for you.
Cincinnati Insurance was the best overall for service and the cheapest out of the companies we analyzed.
Cheapest and Best Car Insurance in Huntsville
Cheapest Minimum Liability Car Insurance in Huntsville
MoneyGeek’s analysis found the most affordable minimum coverage auto insurance in Huntsville:
- Cincinnati Insurance: $199 per year
- Country Financial: $284 per year
As of October 2022, Cincinnati Insurance is also the cheapest car insurance in Alabama, averaging $201 yearly. This is slightly more expensive than in Huntsville.
With annual premiums of around $485, Farmers offers the highest insurance rates for minimum coverage in the city.
Set by state law, the minimum coverage limits for auto insurance in Huntsville include:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
These figures mean that your insurer will only pay $25,000 in damages for any one victim and up to $50,000 per accident. The insurer will also pay up to $25,000 to cover damaged property in an accident. If your costs exceed this, you will pay out of pocket.
Cheapest Full Coverage Car Insurance in Huntsville
The cheapest full coverage auto insurance in Huntsville comes from:
- Nationwide: $617 per year
- Cincinnati Insurance: $673 per year
In the state of Alabama, Nationwide is also the cheapest at around $709 annually as of October 2022. Progressive's annual premium for full coverage is around $1,223, the highest in Huntsville.
Full coverage that adds comprehensive and collision insurance to your plan is an excellent option if you want absolute protection and more savings.
- Comprehensive insurance: Insures damages to cars caused by stealing, vandalism or catastrophes.
- Collision insurance: Insures damages to cars caused by a collision with another car or object in a covered accident.
Having full coverage provides greater security. If your car is an older model with a lower value, it may not be reasonable to pay more yearly for additional coverage.
Cheapest Car Insurance in Huntsville After a Driving Offense
Different companies emerged in MoneyGeek’s top spots for the cheapest auto insurance in Huntsville for those with driving records:
- Speeding ticket: Nationwide ($749 per year)
- At-fault accident: Country Financial ($992 per year)
- DUI: Allstate ($1,032 per year)
Driving records can affect even the lowest insurance costs, especially following any of these events. On average, the most expensive options in Huntsville are Progressive ($1,601 for a speeding ticket and $2,179 for an at-fault accident) and Auto-Owners Insurance Co ($1,950 for DUI).
In accordance with the severity of the driving offense, insurance costs rise. In Huntsville, you can anticipate an increase in insurance costs of roughly $553 if you have a DUI on your driving record or around $194 if you get a speeding ticket. Finding affordable car insurance is still achievable even with a bad driving record.
Cheapest Car Insurance in Huntsville for Teens and Their Families
Teen drivers in Huntsville on their parent’s policy could get the best value from these insurers:
- Nationwide: $1,375 per year for female teens; $1,501 per year for male teens
- GEICO: $1,753 per year for female teens; $1,878 per year for male teens
There is a $126 difference between the cost for male and female teens with the most affordable insurer. Male teens are typically charged more since they are viewed to be riskier drivers. In Huntsville, Auto-Owners Insurance Co and State Farm have the highest premiums of around $3,513 for female teens and $3,909 for male teens, respectively.
Adding a teen to a family policy rather than purchasing an individual policy is a wise move. The cost is significantly higher if teens get their own policy. In Huntsville, the cost of individual insurance for male teens is around $3,100 greater than it is for family coverage.
Families and their children could discover the most affordable teen car insurance and save even more money annually by comparing quotes.
Cheapest Car Insurance in Huntsville for Military Drivers
MoneyGeek analyzed auto insurance for active-duty and retired military members as well as their families. The following insurers offer the cheapest policies for military drivers in Huntsville:
- USAA: $595 per year
- Nationwide: $617 per year
These rates are for full coverage auto insurance. USAA exclusively caters to military members and families in the country, and it offers the cheapest rates for full coverage. If you purchase minimum coverage, Cincinnati Insurance is the cheapest in Huntsville, charging around $199 a year. USAA comes in second, charging approximately $253 annually.
How to Compare Cheap Huntsville Car Insurance Quotes Online
Since getting auto insurance quotes can take 15 minutes or more due to the information you have to submit, compiling rates from insurance companies in Huntsville could be tricky.
You can quickly estimate the price of your car insurance using the MoneyGeek calculator based on just your age, coverage level, driving history and car type.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Huntsville: Summary
When determining the best auto insurance companies in Huntsville, only one has emerged as MoneyGeek’s top pick for various categories:
- Best overall: Cincinnati Insurance (MoneyGeek score of 85 out of 100)
- Best for service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
- Best cheap: Cincinnati Insurance (MoneyGeek score of 89 out of 100)
An insurer’s overall MoneyGeek score can change depending on how factors are weighted in each category. Cincinnati Insurance is the best overall car insurance company in Alabama.
With a score of 85 out of 100, USAA is among the top car insurance companies in Huntsville for military families.
Best Overall Car Insurance in Huntsville
Out of 10 insurance companies analyzed, our picks for the best auto insurance in Huntsville include:
- Cincinnati Insurance: MoneyGeek score of 85 out of 100 ($673 per year)
- Country Financial: MoneyGeek score of 75 out of 100 ($732 per year)
Cincinnati Insurance scored highly for affordability and customer satisfaction. These are important because the best overall company needs to balance these factors.
With a score of 85 out of 100, USAA is also among the top insurers in Huntsville and charges around $595 annually for a full coverage policy.
Excellent affordability rating
High score in customer satisfaction
Offers roadside assistance, rental car reimbursement and new car replacement coverages
No optional coverages for better car replacement, deductible modification or accident forgiveness
Lower claims score
MoneyGeek's methodology ranked Cincinnati Insurance as the overall best auto insurance in Huntsville, with a score of 85 out of 100. It scored the best in terms of customer service and affordability, striking a balance between these two important criteria.
You can purchase a variety of add-on coverages from Cincinnati Insurance, including both unique and standard options. Roadside assistance, rental car reimbursement, new car replacement and gap insurance are some of the more common coverages offered by this insurer. You can even get lock replacement coverage, which will pay to replace your door locks if someone steals your keys or you lose your keys. Child safety seat replacement coverage is also available and will pay for your child’s car seat in the event of a covered loss.
This insurer does not have optional coverages such as better car replacement, deductible modification or accident forgiveness.
Best Car Insurance in Huntsville for Customer Service
For this category, affordability was excluded from MoneyGeek’s scores. Here are the best auto insurance companies in Huntsville for customer service:
- Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($673 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($928 per year)
Cincinnati Insurance scored highly for affordability and customer satisfaction, so policyholders are paying a good price for great service.
Ranked highly in customer satisfaction
Among the affordable insurance rates in Huntsville
Many add-on coverage options available
Lower claims management rating
Does not provide optional coverages offered by other insurers
With the highest ratings in terms of client satisfaction, Cincinnati Insurance secured the highest position as the best car insurance in Huntsville for customer service.
Apart from the affordable insurance rates available, this company offers many standard and unique add-on coverages for its consumers, making it unsurprising that it emerged as the most ideal for Huntsville drivers. Among its unique coverage options include a safety restraint benefit and antique and classic car insurance. The safety restraint benefit doubles your coverage amount for medical payments if you are injured in an accident while wearing your seatbelt. Antique and classic car insurance offers coverage for vintage cars through Capstone Collector Auto Coverage.
Keep in mind that Cincinnati Insurance scored lower for claims management, indicating that policyholders may have a subpar experience if they need to file a claim.
Best Cheap Car Insurance Companies in Huntsville
The following are MoneyGeek's top selections for the most affordable auto insurance in Huntsville that meets Alabama's minimum coverage standards:
- Cincinnati Insurance: MoneyGeek score of 89 out of 100 ($199 per year)
- Country Financial: MoneyGeek score of 70 out of 100 ($284 per year)
The cheapest insurance could only offer a basic level of protection. It will not pay for collision-related car damages or protect you from liability claims.
An affordable minimum coverage policy costs $199 per year
Provides most commonly available discounts
Excellent customer service rating
No common discounts such as for airbags, defensive driving and anti-theft
Low on unique discount offerings
Lower claims score
With an annual average rate of $199 for minimum coverage, Cincinnati Insurance is the best cheap auto insurance in Huntsville. To help policyholders save more money, it provides the most commonly available discounts such as good student, bundling, safe driving and multiple car discount.
Unlike the majority of other auto insurance providers in Huntsville, Cincinnati Insurance does not provide discounts for airbags, defensive driving, full payment, paperless or anti-theft. This company also does not offer any special discounts, including those for new customers, loyalty and legacy. Only a discount for anti-lock brakes is considered unique for Cincinnati Insurance. The insurer offers discounts for bundling, multiple cars, safe driving and anti-theft systems.
While Cincinnati Insurance’s score for claims management was its lowest scoring category, it had the second-highest score for claims when compared to other insurers.
Average Cost of Car Insurance in Huntsville
The average cost of car insurance in Huntsville is $838, which is less than the average for the rest of Alabama ($910) and the country ($1,265). These rates are for full coverage insurance with bodily injury liability limits of $100,000 per accident, $300,000 per person and $100,000 per person for property damage liability.
Huntsville and the state of Alabama have cheaper average rates than the national average. This is how a number of factors, including location, affect insurance costs.
About Mark Fitzpatrick