Compare Rates and Save On Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$174

$15

Cincinnati Insurance

$199

$17

Cincinnati Insurance

$255

$21

Nationwide

$279

$23

Country Financial

$281

$23

Country Financial

$284

$24

Nationwide

$285

$24

Nationwide

$388

$32

GEICO

$389

$32

Country Financial

$395

$33

Auto-Owners Insurance Co

$399

$33

Auto-Owners Insurance Co

$407

$34

GEICO

$410

$34

Travelers

$414

$35

State Farm

$428

$36

Progressive

$435

$36

Travelers

$439

$37

Allstate

$440

$37

State Farm

$456

$38

Allstate

$460

$38

Progressive

$460

$38

Travelers

$466

$39

GEICO

$469

$39

Allstate

$474

$39

Farmers

$485

$40

Farmers

$503

$42

Auto-Owners Insurance Co

$532

$44

Cincinnati Insurance

$547

$46

State Farm

$555

$46

Nationwide

$563

$47

Progressive

$574

$48

Farmers

$595

$50

Nationwide

$617

$51

Cincinnati Insurance

$673

$56

Country Financial

$676

$56

Country Financial

$732

$61

GEICO

$747

$62

Allstate

$752

$63

GEICO

$764

$64

Allstate

$799

$67

Nationwide

$812

$68

Allstate

$828

$69

Cincinnati Insurance

$835

$70

Travelers

$835

$70

Travelers

$838

$70

Farmers

$863

$72

State Farm

$876

$73

Auto-Owners Insurance Co

$900

$75

Farmers

$911

$76

Auto-Owners Insurance Co

$928

$77

GEICO

$945

$79

State Farm

$949

$79

Country Financial

$981

$82

Travelers

$989

$82

Farmers

$1,100

$92

Progressive

$1,161

$97

State Farm

$1,218

$102

Progressive

$1,223

$102

Auto-Owners Insurance Co

$1,290

$107

Progressive

$1,595

$133

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.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$174

$15

Cincinnati Insurance

$199

$17

Cincinnati Insurance

$255

$21

Nationwide

$279

$23

Country Financial

$281

$23

Country Financial

$284

$24

Nationwide

$285

$24

Nationwide

$388

$32

GEICO

$389

$32

Country Financial

$395

$33

Auto-Owners Insurance Co

$399

$33

Auto-Owners Insurance Co

$407

$34

GEICO

$410

$34

Travelers

$414

$35

State Farm

$428

$36

Progressive

$435

$36

Travelers

$439

$37

Allstate

$440

$37

State Farm

$456

$38

Allstate

$460

$38

Progressive

$460

$38

Travelers

$466

$39

GEICO

$469

$39

Allstate

$474

$39

Farmers

$485

$40

Farmers

$503

$42

Auto-Owners Insurance Co

$532

$44

Cincinnati Insurance

$547

$46

State Farm

$555

$46

Nationwide

$563

$47

Progressive

$574

$48

Farmers

$595

$50

Nationwide

$617

$51

Cincinnati Insurance

$673

$56

Country Financial

$676

$56

Country Financial

$732

$61

GEICO

$747

$62

Allstate

$752

$63

GEICO

$764

$64

Allstate

$799

$67

Nationwide

$812

$68

Allstate

$828

$69

Cincinnati Insurance

$835

$70

Travelers

$835

$70

Travelers

$838

$70

Farmers

$863

$72

State Farm

$876

$73

Auto-Owners Insurance Co

$900

$75

Farmers

$911

$76

Auto-Owners Insurance Co

$928

$77

GEICO

$945

$79

State Farm

$949

$79

Country Financial

$981

$82

Travelers

$989

$82

Farmers

$1,100

$92

Progressive

$1,161

$97

State Farm

$1,218

$102

Progressive

$1,223

$102

Auto-Owners Insurance Co

$1,290

$107

Progressive

$1,595

$133

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).

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$205

$17

Cincinnati Insurance

$238

$20

Cincinnati Insurance

$304

$25

Cincinnati Insurance

$307

$26

Nationwide

$330

$27

Nationwide

$335

$28

Cincinnati Insurance

$354

$30

Country Financial

$384

$32

Country Financial

$388

$32

Cincinnati Insurance

$421

$35

Country Financial

$425

$35

Country Financial

$442

$37

Cincinnati Insurance

$446

$37

GEICO

$448

$37

Nationwide

$450

$38

Auto-Owners Insurance Co

$459

$38

Auto-Owners Insurance Co

$468

$39

Nationwide

$470

$39

GEICO

$472

$39

State Farm

$476

$40

State Farm

$476

$40

Country Financial

$483

$40

Allstate

$486

$40

Country Financial

$487

$41

Cincinnati Insurance

$489

$41

Nationwide

$491

$41

State Farm

$507

$42

State Farm

$507

$42

Allstate

$507

$42

Allstate

$528

$44

Country Financial

$541

$45

GEICO

$544

$45

State Farm

$548

$46

Auto-Owners Insurance Co

$551

$46

Travelers

$553

$46

Nationwide

$559

$47

Auto-Owners Insurance Co

$562

$47

Country Financial

$573

$48

GEICO

$576

$48

Travelers

$579

$48

Allstate

$581

$48

State Farm

$582

$49

Travelers

$584

$49

Progressive

$590

$49

Farmers

$598

$50

Allstate

$601

$50

Allstate

$605

$50

Nationwide

$608

$51

Travelers

$612

$51

Auto-Owners Insurance Co

$612

$51

State Farm

$617

$51

State Farm

$617

$51

Cincinnati Insurance

$617

$51

Progressive

$620

$52

GEICO

$623

$52

Allstate

$628

$52

Travelers

$632

$53

Allstate

$638

$53

Progressive

$638

$53

Nationwide

$639

$53

Cincinnati Insurance

$650

$54

Travelers

$655

$55

Allstate

$663

$55

Farmers

$665

$55

Travelers

$671

$56

Country Financial

$678

$57

GEICO

$681

$57

Travelers

$685

$57

Progressive

$686

$57

Farmers

$689

$57

Nationwide

$692

$58

Farmers

$706

$59

State Farm

$710

$59

Progressive

$710

$59

Farmers

$725

$60

Auto-Owners Insurance Co

$736

$61

Nationwide

$749

$62

Travelers

$749

$62

Progressive

$756

$63

Nationwide

$757

$63

Farmers

$770

$64

Farmers

$798

$67

Farmers

$799

$67

Cincinnati Insurance

$803

$67

Progressive

$825

$69

Farmers

$836

$70

Allstate

$843

$70

Progressive

$878

$73

GEICO

$887

$74

Auto-Owners Insurance Co

$897

$75

Allstate

$902

$75

GEICO

$902

$75

GEICO

$905

$75

Country Financial

$906

$76

Auto-Owners Insurance Co

$916

$76

Nationwide

$919

$77

GEICO

$923

$77

Allstate

$929

$77

Nationwide

$933

$78

Cincinnati Insurance

$949

$79

Country Financial

$959

$80

Progressive

$964

$80

State Farm

$967

$81

State Farm

$967

$81

Country Financial

$978

$82

GEICO

$978

$82

Country Financial

$992

$83

Cincinnati Insurance

$995

$83

Nationwide

$1,011

$84

Auto-Owners Insurance Co

$1,022

$85

Allstate

$1,032

$86

State Farm

$1,046

$87

State Farm

$1,046

$87

Auto-Owners Insurance Co

$1,051

$88

Allstate

$1,062

$89

Country Financial

$1,081

$90

State Farm

$1,103

$92

Allstate

$1,114

$93

GEICO

$1,120

$93

Allstate

$1,137

$95

Allstate

$1,148

$96

Country Financial

$1,157

$96

Nationwide

$1,159

$97

GEICO

$1,165

$97

Cincinnati Insurance

$1,168

$97

Allstate

$1,169

$97

Farmers

$1,169

$97

Farmers

$1,174

$98

GEICO

$1,175

$98

Travelers

$1,182

$98

State Farm

$1,191

$99

Auto-Owners Insurance Co

$1,198

$100

Auto-Owners Insurance Co

$1,209

$101

Travelers

$1,237

$103

Nationwide

$1,237

$103

Auto-Owners Insurance Co

$1,239

$103

Travelers

$1,267

$106

Farmers

$1,273

$106

Travelers

$1,290

$107

Farmers

$1,293

$108

Cincinnati Insurance

$1,299

$108

Country Financial

$1,318

$110

Country Financial

$1,318

$110

Nationwide

$1,324

$110

Travelers

$1,330

$111

Farmers

$1,333

$111

State Farm

$1,344

$112

State Farm

$1,344

$112

Travelers

$1,348

$112

Farmers

$1,350

$113

Farmers

$1,358

$113

Travelers

$1,375

$115

GEICO

$1,380

$115

Cincinnati Insurance

$1,441

$120

Farmers

$1,462

$122

Auto-Owners Insurance Co

$1,463

$122

Travelers

$1,478

$123

Travelers

$1,498

$125

Farmers

$1,525

$127

State Farm

$1,533

$128

Progressive

$1,549

$129

Nationwide

$1,568

$131

Country Financial

$1,572

$131

Progressive

$1,601

$133

Cincinnati Insurance

$1,604

$134

Progressive

$1,646

$137

Progressive

$1,650

$137

GEICO

$1,697

$141

Auto-Owners Insurance Co

$1,729

$144

GEICO

$1,776

$148

GEICO

$1,856

$155

Auto-Owners Insurance Co

$1,916

$160

Progressive

$1,929

$161

Auto-Owners Insurance Co

$1,950

$162

Cincinnati Insurance

$1,980

$165

Progressive

$1,992

$166

Progressive

$2,179

$182

Progressive

$2,273

$189

Progressive

$2,631

$219

Auto-Owners Insurance Co

$2,735

$228

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$852

$1,668

Nationwide

$869

$1,781

Nationwide

$900

$2,213

Nationwide

$929

$2,418

Nationwide

$966

$1,892

Nationwide

$973

$2,084

Nationwide

$1,001

$2,053

Nationwide

$1,007

$2,273

Nationwide

$1,010

$1,978

Travelers

$1,033

$1,785

Nationwide

$1,048

$2,149

GEICO

$1,088

$1,895

GEICO

$1,088

$3,610

GEICO

$1,109

$1,813

Travelers

$1,116

$1,864

GEICO

$1,120

$1,951

GEICO

$1,131

$1,849

GEICO

$1,152

$2,122

Travelers

$1,164

$2,011

Travelers

$1,172

$2,226

GEICO

$1,182

$2,060

GEICO

$1,183

$2,111

GEICO

$1,202

$1,965

Travelers

$1,203

$2,078

Allstate

$1,218

$1,593

GEICO

$1,238

$2,373

Nationwide

$1,238

$3,607

GEICO

$1,254

$2,355

Allstate

$1,265

$1,655

Allstate

$1,267

$1,600

Allstate

$1,272

$2,020

Travelers

$1,283

$2,143

Farmers

$1,289

$2,124

Nationwide

$1,303

$4,745

Travelers

$1,322

$2,431

GEICO

$1,325

$2,541

Travelers

$1,327

$2,549

Nationwide

$1,330

$4,251

Allstate

$1,338

$1,962

GEICO

$1,339

$2,786

Nationwide

$1,346

$3,308

Allstate

$1,347

$4,310

Allstate

$1,350

$2,208

Allstate

$1,368

$1,789

Allstate

$1,369

$1,730

GEICO

$1,370

$5,273

Farmers

$1,371

$2,345

Nationwide

$1,375

$5,234

Travelers

$1,383

$2,309

Nationwide

$1,384

$5,038

GEICO

$1,410

$2,928

GEICO

$1,415

$2,656

Nationwide

$1,421

$5,550

Nationwide

$1,426

$3,710

Allstate

$1,428

$2,011

GEICO

$1,454

$5,596

Allstate

$1,480

$2,351

Allstate

$1,485

$1,876

Allstate

$1,493

$2,744

Nationwide

$1,501

$6,136

Nationwide

$1,510

$5,898

Allstate

$1,540

$4,791

Travelers

$1,541

$2,835

Travelers

$1,546

$2,843

Travelers

$1,554

$3,296

Allstate

$1,618

$2,973

State Farm

$1,652

$3,035

Allstate

$1,687

$2,759

GEICO

$1,723

$5,715

Auto-Owners Insurance Co

$1,738

$3,521

GEICO

$1,753

$9,368

Travelers

$1,761

$4,111

Allstate

$1,796

$5,748

Auto-Owners Insurance Co

$1,824

$3,684

Travelers

$1,828

$3,363

State Farm

$1,836

$3,374

Allstate

$1,838

$7,595

Travelers

$1,843

$3,974

GEICO

$1,878

$9,360

Auto-Owners Insurance Co

$1,887

$3,811

State Farm

$1,897

$3,413

State Farm

$1,928

$4,081

Farmers

$1,937

$1,868

Auto-Owners Insurance Co

$1,937

$3,924

Allstate

$1,939

$7,134

Auto-Owners Insurance Co

$1,973

$4,391

Farmers

$1,973

$1,904

Farmers

$1,977

$1,908

Allstate

$1,985

$6,177

Farmers

$1,996

$2,023

State Farm

$2,002

$3,679

Auto-Owners Insurance Co

$2,007

$4,054

Farmers

$2,024

$1,998

Auto-Owners Insurance Co

$2,026

$4,765

State Farm

$2,053

$4,416

Farmers

$2,056

$2,030

Auto-Owners Insurance Co

$2,077

$4,206

Farmers

$2,077

$4,220

Farmers

$2,087

$2,061

Farmers

$2,107

$2,234

Auto-Owners Insurance Co

$2,121

$5,417

State Farm

$2,140

$3,850

Progressive

$2,154

$2,951

Travelers

$2,158

$5,030

Farmers

$2,165

$4,527

Travelers

$2,172

$5,071

Auto-Owners Insurance Co

$2,179

$4,712

Progressive

$2,179

$3,090

Farmers

$2,190

$8,712

Progressive

$2,231

$3,995

State Farm

$2,264

$4,793

Travelers

$2,272

$6,735

Farmers

$2,314

$9,424

State Farm

$2,352

$5,703

State Farm

$2,352

$5,059

State Farm

$2,356

$4,238

Progressive

$2,365

$3,239

Farmers

$2,380

$3,922

Auto-Owners Insurance Co

$2,403

$5,196

Farmers

$2,414

$9,605

Auto-Owners Insurance Co

$2,419

$5,784

Progressive

$2,433

$3,686

Progressive

$2,454

$3,480

Auto-Owners Insurance Co

$2,472

$6,313

Farmers

$2,478

$4,239

Auto-Owners Insurance Co

$2,482

$7,283

State Farm

$2,515

$5,316

Progressive

$2,521

$3,454

Farmers

$2,567

$10,453

Farmers

$2,586

$12,547

Progressive

$2,596

$4,288

Progressive

$2,652

$4,918

State Farm

$2,691

$6,524

Travelers

$2,713

$6,325

Progressive

$2,727

$3,866

Farmers

$2,749

$13,705

Travelers

$2,857

$8,619

State Farm

$2,947

$7,128

State Farm

$2,952

$6,238

Progressive

$2,965

$13,399

Progressive

$3,008

$6,490

State Farm

$3,072

$7,447

State Farm

$3,086

$8,474

Progressive

$3,167

$5,671

Progressive

$3,199

$14,582

Auto-Owners Insurance Co

$3,217

$6,478

Auto-Owners Insurance Co

$3,233

$8,559

Progressive

$3,293

$14,955

Progressive

$3,388

$7,463

Progressive

$3,406

$15,393

State Farm

$3,407

$8,147

Progressive

$3,489

$6,470

Progressive

$3,501

$15,889

Auto-Owners Insurance Co

$3,513

$7,619

Auto-Owners Insurance Co

$3,539

$7,126

Auto-Owners Insurance Co

$3,692

$9,776

Auto-Owners Insurance Co

$3,693

$11,003

Progressive

$3,711

$16,851

State Farm

$3,890

$9,303

State Farm

$3,909

$10,593

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.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$174

$15

Cincinnati Insurance

$199

$17

USAA

$253

$21

Cincinnati Insurance

$255

$21

USAA

$257

$21

Nationwide

$279

$23

Country Financial

$281

$23

Country Financial

$284

$24

Nationwide

$285

$24

USAA

$345

$29

Nationwide

$388

$32

GEICO

$389

$32

Country Financial

$395

$33

Auto-Owners Insurance Co

$399

$33

Auto-Owners Insurance Co

$407

$34

GEICO

$410

$34

Travelers

$414

$35

State Farm

$428

$36

Progressive

$435

$36

Travelers

$439

$37

Allstate

$440

$37

State Farm

$456

$38

Allstate

$460

$38

Progressive

$460

$38

Travelers

$466

$39

GEICO

$469

$39

Allstate

$474

$39

Farmers

$485

$40

Farmers

$503

$42

Auto-Owners Insurance Co

$532

$44

Cincinnati Insurance

$547

$46

State Farm

$555

$46

Nationwide

$563

$47

Progressive

$574

$48

USAA

$589

$49

USAA

$595

$50

Farmers

$595

$50

Nationwide

$617

$51

Cincinnati Insurance

$673

$56

Country Financial

$676

$56

Country Financial

$732

$61

GEICO

$747

$62

Allstate

$752

$63

GEICO

$764

$64

USAA

$792

$66

Allstate

$799

$67

Nationwide

$812

$68

Allstate

$828

$69

Cincinnati Insurance

$835

$70

Travelers

$835

$70

Travelers

$838

$70

Farmers

$863

$72

State Farm

$876

$73

Auto-Owners Insurance Co

$900

$75

Farmers

$911

$76

Auto-Owners Insurance Co

$928

$77

GEICO

$945

$79

State Farm

$949

$79

Country Financial

$981

$82

Travelers

$989

$82

Farmers

$1,100

$92

Progressive

$1,161

$97

State Farm

$1,218

$102

Progressive

$1,223

$102

Auto-Owners Insurance Co

$1,290

$107

Progressive

$1,595

$133

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.

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USAA

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.

Cincinnati Insurance

pros

Excellent affordability rating

High score in customer satisfaction

Offers roadside assistance, rental car reimbursement and new car replacement coverages

cons

No optional coverages for better car replacement, deductible modification or accident forgiveness

Lower claims score

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

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.

Cincinnati Insurance

pros

Ranked highly in customer satisfaction

Among the affordable insurance rates in Huntsville

Many add-on coverage options available

cons

Lower claims management rating

Does not provide optional coverages offered by other insurers

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

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.

Cincinnati Insurance

pros

An affordable minimum coverage policy costs $199 per year

Provides most commonly available discounts

Excellent customer service rating

cons

No common discounts such as for airbags, defensive driving and anti-theft

Low on unique discount offerings

Lower claims score

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.