Cheapest and Best Car Insurance in Huntsville, AL (2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Finding the right car insurance in Huntsville, Alabama, hinges on your specific needs. For full coverage, Country Financial is the most affordable, whereas families with teens may find Nationwide more budget-friendly. Cincinnati Insurance offers the cheapest minimum coverage.

When customer service takes precedence, Cincinnati Insurance also tops the charts, offering the best balance of service and cost, thus providing the best overall value. Your ideal choice may vary based on coverage preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceHuntsville
2024

Cheapest and Best Car Insurance in Huntsville

Why Trust MoneyGeek? We analyzed 31,680 quotes in Alabama, including the city of Huntsville, from 11 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Huntsville insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered, and financial stability.

recency icon

These rates reflect the cheapest car insurance quotes in Huntsville, AL as of July 2024.

31,680Quotes Analyzed
 
11Companies Compared

Cheapest Minimum Liability Car Insurance in Huntsville

Cincinnati Insurance offers the cheapest option in Huntsville, providing the most affordable minimum coverage for your car insurance needs. Seeking out the cheapest car insurance can result in significant savings.

  • Cincinnati Insurance: $223 per year
  • Country Financial: $285 per year

By contrast, Allstate provides the most expensive minimum coverage policy in Huntsville, with an annual premium of $690. That’s a $467 difference between it and Cincinnati Insurance, underscoring the importance of comparing rates to secure the best car insurance prices.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Cincinnati Insurance$223$19
Country Financial$285$24
State Farm$418$35
Travelers$432$36
Auto-Owners Insurance Co$440$37
GEICO$489$41
Progressive$516$43
Nationwide$517$43
Farmers$671$56
Allstate$690$58

State Minimum Liability Requirements

Across all cities in Alabama, from the rolling hills of Huntsville to the coastal breezes of Mobile, the state law prescribes the mandatory minimum car insurance coverage. Here’s a quick look at what you’re required to carry:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident

Let's say you're involved in an accident and are liable for another person's injuries. Your insurance will cover up to $25,000 for an individual person, but not beyond $50,000 total for the accident. Should costs exceed these amounts, you would be responsible for paying the difference out of pocket. Remember, these figures represent the floor, not the ceiling, of your coverage options.

Cheapest Full Coverage Car Insurance in Huntsville

Country Financial offers the cheapest full coverage car insurance in Huntsville. If you’re looking to save, consider the following options:

  • Country Financial: $585 per year
  • Cincinnati Insurance: $743 per year

Progressive offers the most expensive full coverage policy at $1,283 annually. The price gap of $698 between Country Financial and Progressive highlights the value of comparing rates to find affordable full coverage car provider.

Full coverage policies are pricier than minimum coverage due to the inclusion of comprehensive and collision insurance, which protects against a wider range of incidents.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country Financial$585$49
Cincinnati Insurance$743$62
Travelers$848$71
State Farm$921$77
Nationwide$929$77
Auto-Owners Insurance Co$947$79
GEICO$957$80
Allstate$1,160$97
Farmers$1,230$102
Progressive$1,283$107

Do You Need Full Coverage in Alabama?

A full coverage policy in Huntsville includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Huntsville After a Driving Offense

For drivers with a full coverage policy in Huntsville, the cheapest car insurance companies after various driving offenses can differ significantly. Here are the most affordable providers for each specific incident:

  • Speeding ticket: Country Financial ($787 per year)
  • At-fault accident: Country Financial ($811 per year)
  • DUI: Country Financial ($942 per year)

The severity of a traffic offense can have a substantial impact on insurance rates, with the difference between the cheapest company after a speeding ticket and the cheapest after a DUI being $155 annually.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Country Financial$787$66
Cincinnati Insurance$885$74
State Farm$1,024$85
Auto-Owners Insurance Co$1,086$90
Nationwide$1,131$94
GEICO$1,132$94
Travelers$1,195$100
Allstate$1,326$111
Farmers$1,577$131
Progressive$1,830$152

In Huntsville, insurance rates are impacted by driving offenses due to the elevated risk they represent to insurers. For instance, drivers with a speeding ticket might pay an average of $1,685 annually, while those with a DUI could see their rates soar to an average of $2,295.

Hence, individuals with driving violations should diligently compare insurance rates because finding the most competitive offers can significantly mitigate the financial repercussions of their driving history.

Cheapest Car Insurance in Huntsville for Teens and Their Families

Nationwide is the cheapest option in Huntsville, offering the most affordable full coverage car insurance for female and male teens.

  • Nationwide: $1,375 per year for female teens and $1,501 per year for male teens
  • GEICO: $1,753 per year for female teens and $1,878 per year for male teens

These rates reflect a policy covering a combination of two parents and a teenage driver in Huntsville. Auto-Owners has the most expensive policy for a family with a teen, with an annual premium difference of $2,318 compared with Nationwide for female teens.

This contrast underscores the significance of comparing quotes, especially when insuring teenage drivers, who are considered higher-risk due to their inexperience on the road.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
Nationwide$1,375$3,016
GEICO$1,753$5,316
Allstate$1,838$4,763
Travelers$2,272$4,318
Farmers$2,586$7,852
State Farm$3,086$3,692
Progressive$3,199$8,466
Auto-Owners Insurance Co$3,513$2,954

In Huntsville, as in many cities across the USA, teen drivers face steep insurance premiums. On average, a teenager purchasing an individual policy can expect to pay around $5,691 annually. By contrast, when added to a family policy, the average premium drops significantly to about $2,753. This substantial difference in rates is due to insurers viewing teens as higher-risk drivers.

Consequently, obtaining an individual policy as a teen can be challenging because insurance providers may be hesitant to offer coverage without the pooled risk a family plan provides. It's economically wise for families to opt for joint coverage, ensuring affordability and easier approval.

Cheapest Car Insurance in Huntsville for Military Drivers

Country Financial offers the cheapest full coverage car insurance for those with military backgrounds in Huntsville.

  • Country Financial: $585 per year
  • Cincinnati Insurance: $743 per year

Though USAA is not the cheapest, with an annual rate of $776, it is still highly competitive, ranking third on our list. USAA is renowned for its comprehensive service that is specifically tailored to meet the unique needs of active-duty military members and veterans.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country Financial$585$49
Cincinnati Insurance$743$62
USAA$776$65
Travelers$848$71
State Farm$921$77
Nationwide$929$77
Auto-Owners Insurance Co$947$79
GEICO$957$80
Allstate$1,160$97
Farmers$1,230$102
Progressive$1,283$107

How to Compare Cheap Huntsville Car Insurance Quotes Online

In Huntsville, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Dec 06, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Huntsville: Overview

Choosing the best auto insurance hinges on your individual preferences for service, cost, coverage and other key factors. Utilizing distinct scoring metrics for each category, MoneyGeek has identified Huntsville's leading car insurance providers:

  • Best overall: Cincinnati Insurance (MoneyGeek score 93 out of 100)
  • Best for service: Cincinnati Insurance (MoneyGeek score 97 out of 100)
  • Best cheap: Cincinnati Insurance (MoneyGeek score 98 out of 100)

Cincinnati Insurance emerges as the singular victor across all categories in Huntsville, ensuring that it's the city's unparalleled choice for overall value, exemplary service and affordability. Whether prioritizing cost-efficiency or the finest service, this company excels by offering a superior balance that caters to diverse needs.

Overall Best Car Insurance in Huntsville

Cincinnati Insurance offers the best car insurance in Huntsville, providing top-tier service and value to its customers.

  • Cincinnati Insurance: MoneyGeek score of 93 out of 100 ($743 per year)
  • Auto-Owners: MoneyGeek score of 79 out of 100 ($947 per year)

Cincinnati Insurance distinguishes itself with a near-perfect balance of satisfaction and affordability, which are significant factors contributing to its MoneyGeek score. Drivers seeking a full coverage policy can rely on its exceptional service and competitive pricing to ensure they get the most value for their car insurance.

Company logo for Cincinnati Insurance
Best OverallCincinnati Insurance
MoneyGeek Score:
93/ of 100

Overview

Cincinnati Insurance garners a top MoneyGeek Score primarily due to excellent satisfaction and coverage scores. It offers Rental Car and/or Travel Reimbursement and Roadside Assistance. New Car Replacement and Gap Insurance are also available.

Cincinnati Insurance also offers rare coverages. Glass Deductible Modification waives deductibles for glass repair, adding value for drivers concerned about windshield damage. Child Safety Seat Replacement provides new seats without depreciation, ensuring that young passengers' safety is uncompromised after an accident.

Best Car Insurance in Huntsville for Customer Service

Cincinnati Insurance is the best option in Huntsville if you prioritize exceptional customer service in your car insurance. This ranking is based on a thorough evaluation of customer satisfaction, claims handling and the breadth of coverages offered by each company, completely independent of their rates.

  • Cincinnati Insurance: MoneyGeek score of 97 out of 100 ($743 per year)
  • Auto-Owners: MoneyGeek score of 87 out of 100 ($947 per year)

Cincinnati Insurance distinguishes itself with the highest MoneyGeek score, excelling in customer satisfaction and claims handling.

Company logo for Cincinnati Insurance
Best for Customer ServiceCincinnati Insurance
MoneyGeek Score:
97/ of 100

Overview

Cincinnati Insurance shines particularly due to its impeccable satisfaction and claims handling. The company offers both Rental Car and/or Travel Reimbursement and Roadside Assistance. Additionally, with offerings like New Car Replacement and Gap Insurance, the insurer adds reasonable layers of financial protection for car owners.

Among the rare coverages, Glass Deductible Modification stands out for its widespread applicability — waiving the deductible for glass repair, a frequent need among drivers. Antique/Classic Car Insurance showcases the insurer's understanding of niche markets. The Safety Restraint Benefit, which doubles the coverage amount for medical payments if restrained with a seatbelt during an accident, prioritizes driver and passenger safety in a tangible way.

Best Cheap Car Insurance Companies in Huntsville

Cincinnati Insurance is the choise for drivers in Huntsville seeking an ideal blend of cost and quality in their car insurance.

  • Cincinnati Insurance: MoneyGeek score of 98 out of 100 ($223 per year)
  • Auto-Owners: MoneyGeek score of 80 out of 100 ($440 per year)

Cincinnati Insurance stands out notably due to its blend of affordability, coupled with high marks for customer satisfaction and claims handling. The score is reflective of a minimum coverage policy, highlighting the company's excellence in providing value to policyholders without compromising on service quality.

Company logo for Cincinnati Insurance
Best Cheap CompanyCincinnati Insurance
MoneyGeek Score:
98/ of 100

Overview

Cincinnati Insurance leads due to its perfect scores in affordability and coverage, complemented by top marks in satisfaction and claims handling. The average driver pays just $223 annually for minimum coverage.

Cincinnati Insurance offers reasonably common discounts such as insuring multiple cars, and very rare discounts like advanced airbag systems. This insurer also offers the Anti-Lock Brakes discount, reducing premiums for vehicles equipped with this safety feature.

Average Cost of Car Insurance in Huntsville

In Huntsville, Alabama, the average cost of car insurance sits at $962, which makes it an interesting case when compared to the rest of the state. This figure is less than the average car insurance cost in Alabama of $1,044. On a broader scale, both the city and state costs fall below the national car insurance cost of $1,781, with Alabama's average being $737 less.

Car insurance premiums are influenced by an array of factors, with location being a significant one. Geographic variables such as accident rates, crime levels, and traffic density can directly affect insurance costs, often resulting in varied rates even within the same state.

Huntsville's average premium of $838 is marked as the cheapest, while Birmingham's average at $989 is the most expensive within Alabama. These figures demonstrate the city's $151 range in premiums, underscoring how location can dramatically alter insurance costs. Furthermore, in some non-urban areas with lower traffic density, rates may be even lower than in cities.

Birmingham$1,118
Huntsville$962
Mobile$1,094
Montgomery$1,059

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.