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Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Cheapest recent rates near Huntsville, Alabama
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $75/mo for full coverage in Huntsville and other Alabama cities.
*Quotes generated for Insurify users in and around Huntsville, Alabama within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntsville, Alabama within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Huntsville, car insurance averages $70 per month for full coverage and $63 for liability-only policies, according to Insurify data. Compared to the Alabama state averages of $142 and $59, respectively, Huntsville drivers pay less for car insurance.
The Rocket City's lower population density is likely a factor in its cheaper car insurance rates. Fewer vehicles on the road and less traffic congestion typically means fewer accidents and car insurance claims. Huntsville drivers can save even more by comparing car insurance rates from multiple companies.
Quick Facts
Auto-Owners, State Farm, and USAA have the cheapest car insurance rates for Huntsville drivers.
In 2022, 986 people died in traffic accidents in Alabama.[1]
Alabama's contributory negligence laws mean you may not be able to collect damages from another driver's car insurance if you're partially responsible for a car accident.[2]
3 of the cheapest car insurance companies in Huntsville
To find the best car insurance in Huntsville, consider your budget, driving record, and car insurance needs. It’s a good idea to compare multiple car insurance companies at the same time to find the one that offers the coverage you need at a price you can afford. Your car insurance rates will depend on multiple factors, including your driving record, age, gender, and credit.
Here are a few of the best car insurance companies in Huntsville to start your search with.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
Auto-Owners
8.5
$70
$37
Liability insurance
COUNTRY Financial
8.8
$77
$41
Full coverage
GEICO
9.0
$104
$55
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$70/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
871
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners has offered car insurance since 1916. It stands out for its lower rates and customizable coverages through add-ons like diminished value, common loss deductible, accident forgiveness, and more. It’s best known for its personalized service, but digital-first customers may find its lack of online quotes disappointing.
Pros
Various available coverage options
AM Best financial strength rating of A++ (Superior)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo
3.6
A solid optionBased on 41 verified guest reviews and ratings
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (28)
Ida-Marie F
December 16, 2024
Verified Review
Good Company
They are honorable and pay our claims promptly.
Antonio
December 14, 2024
Verified Review
Car and Home Insurance
They have become expensive now.
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
COUNTRY Financial was founded by a group of farmers in 1925. In addition to auto insurance, the company offers home, life, farm, and commercial insurance. It offers valuable coverages like new-car replacement, personal effects coverage, windshield replacement, and more for drivers to customize their auto insurance policies.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$105/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)
Dianna
December 19, 2024
Verified Review
Roadside Assistance
When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.
Alan
December 18, 2024
Verified Review
Satisfied but too expensive
My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.
Samol
December 18, 2024
Verified Review
Geico is Good Insurance
It's excellent, but after a few accidents, the rates are creeping upwards.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO started in 1936. It earned an AM Best financial strength rating of A++ (Superior). It offers plenty of discounts drivers can take advantage of, plus an additional discount if they sign up for GEICO’s Drive Easy app and practice safe driving habits.
Pros
Many available discounts
Straightforward online claims process
Cons
Gap insurance and rideshare insurance not advertised
Below-average customer satisfaction rating in the Southeast region in J.D. Power's 2023 U.S. Auto Insurance Study
How to get the cheapest car insurance in Huntsville
Car insurance companies offer different rates to drivers, making it important to do your research and compare your options. With these tips, you can lock in the lowest premiums and the right auto insurance coverage for your needs in Huntsville:
Shop around. Get quotes from at least three different companies at the same coverage level to find the best deal for your unique needs. Don’t forget to compare premiums, coverage options, and company reputations.
Look for discounts. Most car insurance companies offer discounts for various reasons. A few examples include the anti-theft device discount, multi-car discount, and good student discount. You can work with an insurance agent or visit an insurer’s website to learn more about discounts.
Bundle insurance. If you pair your car insurance with homeowners insurance, renters insurance, or another policy, you may be able to save some money on your monthly premiums.
Consider pay-per-mile insurance. Pay-per-mile insurance is worth exploring if you drive fewer than 10,000 miles per year and are on the lookout for the best rate. You’ll only pay for the miles you drive.
Find Cheap Car Insurance in Huntsville
Full-coverage rates start at $70/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Huntsville: Auto-Owners
Per Alabama law, you must purchase liability car insurance to drive legally in Huntsville. This type of bare-bones coverage covers the cost of the other party’s property damage and injuries in an at-fault accident. Because it’s a bare-minimum insurance policy, it’s often the cheapest insurance you can buy. It's usually best for drivers who aren't financing, and who own an older, less-expensive vehicle.
Here’s a look at the cheapest car insurance companies for liability-only coverage in Huntsville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$37
State Farm
$37
USAA
$37
Allstate
$40
COUNTRY Financial
$41
Travelers
$50
National General
$53
Direct Auto
$54
GEICO
$55
Nationwide
$63
Progressive
$67
Farmers
$68
Root
$68
Clearcover
$79
AssuranceAmerica
$84
Foremost
$87
Safeco
$95
Bristol West
$100
GAINSCO
$103
Liberty Mutual
$168
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Huntsville: Auto-Owners
Full-coverage car insurance typically includes liability, collision, and comprehensive coverages. It’s usually optional but can be worthwhile if you’d like additional protection for vehicle damages. But your lender may require it if you have a loan or lease on your vehicle. It can also include coverages for injuries you sustain in an accident, even if you’re at fault.
The table below shows the cheapest full-coverage car insurance companies in Huntsville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$70
USAA
$70
State Farm
$71
Allstate
$76
COUNTRY Financial
$78
Travelers
$96
GEICO
$105
Root
$108
Nationwide
$120
National General
$122
Progressive
$128
Farmers
$130
Clearcover
$134
Direct Auto
$137
AssuranceAmerica
$166
Safeco
$169
Foremost
$223
GAINSCO
$246
Liberty Mutual
$253
Bristol West
$261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Huntsville, Alabama
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $70/mo for full coverage in Huntsville and other Alabama cities.
*Quotes generated for Insurify users in and around Huntsville, Alabama within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntsville, Alabama within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Alabama
Alabama is an at-fault, or tort, state. This means that at-fault drivers in a car accident are responsible for the other drivers’ and parties’ damages and injuries. Alabama also follows the contributory negligence rule, so if you’re partly at fault for an accident, you might not be able to recover damages. Drivers must also show proof of insurance while driving to avoid consequences.
Here are Alabama’s minimum car insurance requirements:
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person and $50,000 per accident
Property damage liability
$25,000 per accident
While you can purchase liability-only insurance and drive legally, this type of auto insurance policy may not provide enough coverage for various situations. These optional coverages can provide additional protection for Huntsville drivers:
Comprehensive coverage
Comprehensive coverage protects you financially if your car sustains damage from an incident other than a collision, like theft, falling objects, severe weather, or vandalism.
Collision coverage
Collision coverage pays for vehicle repairs and applies if you hit a stationary object or another vehicle, even if you’re at fault.
Roadside assistance pays for emergency services, like jump-starts and fuel delivery.
Cheapest car insurance for Huntsville drivers with an incident
Incidents in your driving record — like at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions — may result in higher car insurance rates. Car insurance companies consider people with these types of incidents as high-risk drivers and charge higher premiums as a result. Huntsville drivers with clean records often have the cheapest rates.
Here are the cheapest car insurance companies in Huntsville, based on driving history.
Shop for Auto Insurance in Huntsville, AL
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4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding is one of the top causes of traffic fatalities in Alabama, as it can make it difficult for drivers to make smart last-second decisions. Because speeding is a high-risk behavior, insurance companies charge higher rates to drivers with speeding tickets, even if they didn’t cause an accident.
In Huntsville, drivers with speeding tickets see higher-than-average monthly insurance rates of $219 for full coverage and $98. The table below shows the cheapest car insurance companies in Huntsville offering minimum coverage for drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With Ticket
▲▼
Auto-Owners
$37
$51
State Farm
$37
$50
USAA
$37
$51
Allstate
$40
$55
COUNTRY Financial
$41
$58
Travelers
$50
$69
National General
$53
$73
Direct Auto
$54
$74
GEICO
$55
$76
Nationwide
$63
$87
Progressive
$67
$92
Farmers
$68
$93
Root
$68
$100
Clearcover
$79
$109
AssuranceAmerica
$84
$115
Foremost
$87
$128
Safeco
$95
$132
Bristol West
$100
$138
GAINSCO
$103
$152
Liberty Mutual
$168
$247
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
In 2022, a traffic accident occurred every 3 minutes and 38 seconds in Alabama.[1] If you cause an accident in Huntsville, your car insurance rates will increase because insurers consider people who cause accidents as riskier drivers.
An at-fault accident pushes the average cost of car insurance in Huntsville to $231 per month for full coverage and $103 for liability-only policies. Here’s a look at the cheapest auto insurance companies for Huntsville drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With Accident
▲▼
Auto-Owners
$37
$54
State Farm
$37
$53
USAA
$37
$54
Allstate
$40
$58
COUNTRY Financial
$41
$62
Travelers
$50
$73
National General
$53
$77
Direct Auto
$54
$80
GEICO
$55
$80
Nationwide
$63
$93
Progressive
$67
$99
Farmers
$68
$99
Root
$68
$106
Clearcover
$79
$123
AssuranceAmerica
$84
$120
Foremost
$87
$134
Safeco
$95
$138
Bristol West
$100
$146
GAINSCO
$103
$144
Liberty Mutual
$168
$260
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
In 2022, Alabama reported 197 deaths in 6,751 crashes with suspected drug or alcohol impairment.[1] A DUI conviction in Huntsville usually leads to fines, jail time, and a license suspension. You may also need to file an SR-22 insurance form, and insurers may charge higher car insurance premiums or not renew your policy when the policy term ends. This means it’s crucial to find affordable car insurance after a DUI conviction in Huntsville.
Huntsville drivers with DUIs face average monthly car insurance rates of $260 for full coverage and $116 for minimum coverage. The table below shows the cheapest car insurance companies for drivers with a DUI in Huntsville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With DUI
▲▼
Auto-Owners
$37
$65
State Farm
$37
$65
USAA
$37
$65
Allstate
$40
$70
COUNTRY Financial
$41
$72
Travelers
$50
$87
National General
$53
$92
Direct Auto
$54
$94
GEICO
$55
$96
Nationwide
$63
$110
Progressive
$67
$117
Farmers
$68
$119
Root
$68
$107
Clearcover
$79
$138
AssuranceAmerica
$84
$147
Foremost
$87
$152
Safeco
$95
$150
Bristol West
$100
$174
GAINSCO
$103
$180
Liberty Mutual
$168
$293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for Huntsville seniors: State Farm
Although seniors generally pay the lowest rates of any age group, their car insurance costs increase slightly around age 70. That's because seniors have a higher risk of getting into an accident or being seriously injured in an accident.
The average monthly cost of car insurance for Huntsville seniors is $107 for full coverage and $48 for liability only. Here are the cheapest car insurance companies for senior drivers in Huntsville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Quote: Full Coverage
▲▼
Average Quote: Liability Only
▲▼
State Farm
$38
$20
Auto-Owners
$39
$21
USAA
$43
$22
Allstate
$45
$24
COUNTRY Financial
$45
$24
Travelers
$56
$29
Progressive
$61
$32
GEICO
$62
$32
Nationwide
$62
$32
National General
$69
$30
Farmers
$73
$38
Root
$74
$46
Direct Auto
$79
$31
AssuranceAmerica
$98
$50
Clearcover
$99
$59
Safeco
$120
$68
Foremost
$139
$54
Bristol West
$160
$61
Liberty Mutual
$164
$109
GAINSCO
$175
$73
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for Huntsville teens: COUNTRY Financial
Compared to older drivers, teen drivers have less experience on the road, a higher risk of accidents, and are more likely to engage in risky driving behaviors like distracted driving. For this reason, car insurance companies typically charge higher premiums to teen drivers and young adults.
Teen drivers in Huntsville see average monthly car insurance rates of $271 for full coverage and $121 for minimum coverage. Here’s a look at the average monthly car insurance quotes for teens and young drivers in Huntsville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Quote: Full Coverage
▲▼
Average Quote: Liability Only
▲▼
COUNTRY Financial
$121
$63
Auto-Owners
$125
$66
USAA
$126
$66
State Farm
$130
$68
Allstate
$145
$76
Root
$173
$109
GEICO
$180
$94
Travelers
$185
$96
Nationwide
$224
$118
Progressive
$239
$125
Farmers
$242
$127
National General
$254
$110
Clearcover
$261
$154
Direct Auto
$266
$105
AssuranceAmerica
$323
$164
Safeco
$340
$191
Foremost
$422
$165
GAINSCO
$451
$189
Liberty Mutual
$461
$306
Bristol West
$469
$180
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Huntsville car insurance quotes by credit tier
Car insurance companies consider drivers with good to excellent credit to have a lower risk of filing a claim than drivers with poor credit. This is why some car insurers consider credit scores when setting rates.
While some states don’t allow insurers to use credit-based insurance scores to set premiums, Alabama permits it. Here’s how credit scores affect average car insurance rates in Huntsville.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Huntsville?
Car insurance rates for Huntsville drivers are slightly more expensive than the national average but slightly less expensive than the state average. Keep in mind that premiums can vary by ZIP code and city within Alabama due to factors like population, crime rates, weather conditions, and the number of uninsured drivers.
Average monthly quotes are cheaper in Huntsville than in other Alabama cities. Huntsville has slightly fewer people per square mile than Birmingham and Mobile, which can keep insurance costs low since insurers consider an area’s population when setting rates. Plus, Huntsville has cheaper premiums than Mobile, despite having more residents, possibly due to Mobile’s coastal location and history of hurricanes.
More cities in Alabama
The table below shows the average monthly quotes in other Alabama cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The average cost of car insurance in Huntsville is $63 per month for liability only and $141 per month for full coverage. Your car insurance costs may be more or less than average, based on factors like your age, gender, driving history, and the make and model of your vehicle.
What are the cheapest car insurance companies in Huntsville?
Auto-Owners is the cheapest car insurance company in Huntsville, with liability-only rates as low as $37 per month. Huntsville drivers can also find affordable coverage through the city's second-and third-cheapest insurers, State Farm and USAA. Their liability rates start at $37 and $37, respectively.
What are the best car insurance companies in Huntsville?
Some of the best car insurance companies in Huntsville include Auto-Owners, COUNTRY Financial, and GEICO. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from.
But the best insurance company for you depends on your coverage needs, budget, and driver profile. Compare car insurance quotes from at least three different companies to see which one offers the best price for the coverage you need.
What is the minimum car insurance in Alabama?
Alabama requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[3]
What factors do Huntsville car insurance companies consider while determining rates?
Factors outside of your control that can affect your car insurance costs in Huntsville are the city’s rates of car thefts and accidents, as well as how many uninsured drivers are on the road. Huntsville has cheaper premiums than other Alabama cities, possibly due to its comparatively lower population density and inland location that protects it from severe coastal weather and flooding.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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