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.
bestauto insuranceHuntsville2021The Cheapest and Best Car Insurance in Huntsville
The Cheapest Car Insurance Companies in Huntsville
Based on the MoneyGeek study, the most affordable full coverage car insurance in Huntsville comes from:
- USAA: $632 per year (limited to current and former military members)
- GEICO: $728 per year
MoneyGeek calculated average car insurance rates for different companies using a sample 40-year-old male driver with a full coverage policy that includes liability insurance and comprehensive and collision insurance that covers damages to his own car.
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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.
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 list 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. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
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
2
Auto-Owners Insurance Co
Score:90
3
ALFA
Score:88
4
GEICO
Score:85
5
State Farm
Score:83
6
Nationwide
Score:80
7
Travelers
Score:80
8
Progressive
Score:78
9
Safeco
Score:78
10
Allstate
Score:75
11
Liberty Mutual
Score:75
12
MetLife
Score:75
13
National General
Score:73
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.
Shopping around for car insurance in Huntsville could save you $397, which is enough to buy:
132Cups of Coffee
31Months of Your Favorite Streaming Service
Cheapest Car Insurance in Huntsville by Coverage Amount
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.
Alabama Minimum Liability Requirements
- ItemDescription
- 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.
In Alabama, the minimum liability coverage is $25,000 of bodily injury liability per person and $50,000 per accident, along with $25,000 of property damage liability.
A Huntsville driver can also choose a 50/100/50 liability-only or full-coverage plan. In such cases, the coverage will increase to $50,000 bodily injury liability per person, $100,000 per accident and $50,000 for property damage repair. Another option is the 100/300/100 coverage level, which is even more comprehensive.
For most Huntsville drivers looking for the cheapest car insurance, GEICO may be a good option. For an average premium of $346, a driver can get state minimum liability-only coverage. The company’s 50/100/50 liability-only policy costs an average of $409 per year, while 50/100/50 full coverage is typically $649 per year and their 100/300/100 full-coverage policy costs an average of $728 annually.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$299$345
- 2.$346$409
- 3.$466$505
- 4.$521$590
- 5.$497$567
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$563$632
- 2.$649$728
- 3.$745$799
- 4.$895$968
- 5.$926$1,019
Cheapest Car Insurance in Huntsville if You Have Driving Violations
In most cases, a driver with a speeding ticket, at-fault accident or DUI will pay higher auto insurance rates than individuals with clean driving records. For instance, in Huntsville, an Allstate policyholder will typically pay $799 if he does not have any violations on record. Meanwhile, the rate will increase by $89 if the driver has a speeding ticket. A similar policy will cost $301 more if the driver has any at-fault accidents.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$701$879$1,193
- 2.$888$1,100$1,070
- 3.$866$1,077$1,498
- 4.$1,264$1,444$1,387
- 5.$1,312$1,367$1,508
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 CodeState Minimumper year
- 35811$1,116
- 35810$1,135
Insurance Providers That Serve Huntsville
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.
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.
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