bestauto insuranceHuntsvilleCompare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/5/2023
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
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 GEICO. Your driving profile and coverage needs determine your best auto insurer.
bestauto insuranceHuntsvilleThe Cheapest and Best Car Insurance in Huntsville
Methodology
MoneyGeek ranked insurers in Huntsville using the following weighted criteria based on data from J.D. Power, AM Best and the National Association of Insurance Commission (NAIC).
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
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.
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
- CompanyState Minimumper year
- 1.$299
- 2.$346
- 3.$466
- 4.$497
- 5.$521
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
- 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.
Cheapest Car Insurance in Huntsville if You Have Driving Violations
A DUI, ticket or an 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
- CompanySpeeding Ticketper year
- 1.$701
- 2.$866
- 3.$888
- 4.$1,239
- 5.$1,264
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.
The Best Car Insurance Companies in Huntsville
MoneyGeek scored the best auto insurance companies in Huntsville, Alabama, based on average rates, claims ratings and user satisfaction scores. Based on our analysis, the top-rated companies in the city are:
- GEICO: MoneyGeek score of 87 out of 100
- Allstate: MoneyGeek score of 79 out of 100
Though USAA earned a high MoneyGeek score of 99 out of 100, it was excluded from our rankings because it’s only offered to military members and their families.
1
GEICO
Score:87
GEICO earned high scores for financial stability, customer satisfaction and claims. It’s also the most affordable insurer in Huntsville, with policies costing an average of $728 per year for a 40-year-old driver. Mechanical breakdown insurance (MBI) is one of its rare add-on coverage offers.
More About GEICO
GEICO’s MBI covers all parts and systems and costs less than the typical dealer extended warranty. Drivers in Huntsville are eligible for this coverage if their vehicle is less than 15 months old and has less than 15,000 miles.
With GEICO’s accident forgiveness coverage, your insurance rates won’t increase after your first at-fault accident. This coverage can be purchased as an add-on to your standard personal auto insurance policy. You can also earn this coverage if you’re generally a safe driver and have been accident-free for the last five years.
Read MoneyGeek's GEICO auto Insurance Review2
Allstate
Score:79
Allstate received a high score for financial stability and below-average scores for claims and customer satisfaction. Huntsville drivers with portable electronics and sound system upgrades can benefit from several of its unique coverages. The average cost of a car insurance policy for a 40-year-old driver in Huntsville is $799 per year.
More About Allstate
Allstate offers three rare coverage options: custom parts coverage, portable electronics and media coverage and sound system coverage. Custom parts, such as special carpeting, bars, height-extending roofs and custom murals, are covered after a comprehensive type of loss. Portable electronics, such as tapes, compact discs and other similar auto sound systems, are also covered as long as your policy also includes comprehensive coverage. Sound system coverage covers damage to a sound system permanently installed in your car, antennas or other components that are part of the system.
Aside from these rare coverages, it also offers rideshare insurance, accident forgiveness, gap insurance and new car replacement.
Read MoneyGeek's Allstate auto Insurance Review3
Country Financial
Score:71
4
Travelers
Score:69
5
Farmers
Score:63
6
State Farm
Score:63
7
ALFA
Score:61
8
Nationwide
Score:47
9
Progressive
Score:38
10
MetLife
Score:36
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
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.
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