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The average cost of minimum-coverage car insurance in Huntsville is $122 — $63 less per month than the state average of $185. Car insurance costs in Huntsville may be lower than in other cities because the number of losses that result in claims in specific areas can affect auto insurance premiums, according to Dusty Smith, manager of the Consumer Services Division for the Alabama Department of Insurance.
Auto insurance rates in Huntsville, Alabama, are based on a number of factors, so finding the best rate for your car involves comparing quotes from multiple insurers, including both minimum-liability and full-coverage policies.
Table of contents
- How much does car insurance cost in Huntsville?
- Cheapest car insurance in Huntsville: State Auto
- How much car insurance do you need in Huntsville?
- Tips for getting cheap car insurance in Huntsville
- How age affects car insurance rates in Huntsville
- How credit scores affect cheap car insurance in Huntsville
- The effect of driving habits on car insurance in Huntsville
- Find local Huntsville agents
- Huntsville car insurance rates FAQs
How much does car insurance cost in Huntsville?
Car insurance costs can vary significantly in Huntsville, even among drivers of the same age and vehicle. Multiple factors influence car insurance rates, which is why it’s important to compare multiple quotes so you can find the coverage you need for a rate that fits your budget.
Insurify’s data scientists analyzed the latest insurance rates in Huntsville to identify the cheapest quotes in the city. The data illustrates just how diverse the rates are. For instance, drivers with clean records may only pay an average of $147 per month, while drivers with an at-fault accident on their record may pay an average of $254 per month. Other findings include:
Travelers has the cheapest liability-only insurance coverage in Huntsville, at an average of $76 per month.
SafeAuto offers the cheapest full-coverage insurance in Huntsville, at an average of $137 per month.
Travelers is the insurer with the cheapest insurance for new and young drivers in Huntsville, at an average of $145 per month.
Learn More: Cheap Car Insurance in Alabama
Cheapest car insurance in Huntsville: State Auto
State Auto offers some of the cheapest car insurance premiums in Huntsville, with an average of $76 a month for liability-only coverage. While insurer-specific factors influence rates, it’s important to keep in mind that a variety of driver-specific factors affect costs, like driving history, credit score, and ZIP code.
|Insurance Company||Liability Only||Full Coverage|
|Midvale Home & Auto||$215||$219|
How much car insurance do you need in Huntsville?
All private passenger vehicles operated or parked on Alabama roadways must have a minimum level of insurance. The minimum liability insurance requirements in Alabama are:
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
It’s important to remember that Alabama is an at-fault state, which means that the driver who is responsible for the accident is responsible for paying any accident-related expenses. Both drivers are required to show proof of insurance when in an accident.
Drivers will also need to show proof of insurance when renewing their vehicle registration and any time that law enforcement requests it, even if the vehicle is not involved in an accident.
Alabama DMV information
Two state-run offices in Alabama provide vehicle-related services typically handled by a DMV. The Alabama Law Enforcement Agency (ALEA) issues driver’s licenses, vehicle registration, and vehicle tags, and many of its services are offered on its website.
The Alabama Department of Revenue maintains motor vehicle records, issues vehicle titles, manages mandatory liability insurance, and other services.
Tips for getting cheap car insurance in Huntsville
Although some insurers in Huntsville may offer specific incentives to drivers, you can save on your car insurance in many ways, regardless of location. The Insurance Information Institute offers these three suggestions:
Seek out any available discounts. Many insurers offer ways to save, like low-mileage discounts, multi-car discounts, and premium reductions for drivers who remain claim-free for an extended period. Other discounts may also be available, including for drivers who belong to specific organizations or associations.
Bundle your home and auto insurance. Bundling multiple policies under the same insurer is common with many companies. Some insurers offer discounts when combining your auto insurance policy with your homeowners insurance, motorcycle insurance, or another applicable policy.
Reduce optional insurance on your older car. Keeping collision or comprehensive coverage on an older car may not be cost-effective. Removing optional insurance or decreasing coverage limits could help you save on your monthly premium costs.
These tips are helpful to consider, but one of the best ways to ensure you’re getting the lowest rate possible is to compare multiple quotes. Comparison shopping has many advantages, especially when you use a convenient resource like an online quote-comparison tool. You can compare multiple insurers side by side to see which offers the best rate.
“A policyholder should check with their [insurer] to make sure they are getting all of the discounts that they qualify for,” says Smith. “They should also ask what else they can do to lower their rates besides the obvious attribute of having a clean driving record.”
See Also: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Huntsville
Age is an important factor in establishing insurance rates. For example, teenage drivers are at a higher risk of motor vehicle crashes than any other age group, which is why their premiums are often higher than older drivers’ premiums.
“We suggest that policyholders make sure that they have proper liability limits, especially when young drivers are in the household,” says Smith.
Here are the average car insurance costs for Huntsville drivers based on age group.
|Age Group||Average Monthly Quote|
Check Out: Compare Car Insurance by Age and Gender
Cheapest car insurance for young drivers in Huntsville
The cheapest car insurance for young drivers in Huntsville is available through Travelers, at an average monthly rate of $145 for full coverage, according to Insurify data.
Rates are often higher for young drivers due to an increased risk of accidents; however, some insurers may offer discounts for young drivers who maintain good grades or take defensive driving courses.
|Insurance Company||Average Monthly Quote|
|Midvale Home & Auto||$238|
Cheapest car insurance for middle-aged drivers in Huntsville
The cheapest car insurance for middle-aged drivers in Huntsville is available through National General, at an average monthly rate of $74 for full coverage, according to Insurify data.
Middle-aged drivers may be able to lower their monthly rates by getting discounts from their insurer, such as a discount for bundling with a homeowners insurance policy or an accident-free discount.
|Insurance Company||Average Monthly Quote|
|Midvale Home & Auto||$153|
Cheapest car insurance for senior drivers in Huntsville
The cheapest car insurance for senior drivers in Huntsville is available through Direct Auto, at an average monthly rate of $78 for full coverage, according to Insurify data. Senior drivers may be able to lower their monthly rates by reducing optional insurance on older cars and by qualifying for discounts offered by their auto insurer, such as low-mileage discounts.
|Insurance Company||Average Monthly Quote|
|Midvale Home & Auto||$142|
How credit scores affect cheap car insurance in Huntsville
Alabama is one of many states that allow insurers to use a credit-based insurance score as a factor in determining your premium rates. Generally, the factors used to determine credit-based insurance scores include credit mix, new credit accounts, length of credit history, outstanding debt, and payment history.
The higher your credit score, the more likely you are to have a better credit-based insurance score and potentially lower premiums. Here’s how the FICO model rates credit scores:
Very good: 740–799
The following table lists the average monthly quote for full-coverage policies in Huntsville, based on credit rating.
|Credit Tier||Average Monthly Quote|
Read More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Huntsville
Because your driving record affects premiums, your monthly premiums will likely rise after accidents, speeding, and other driving infractions. If you have a clean driving record, you’re likely to see lower rates.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Here’s what you need to know about how your driving habits can affect car insurance premiums in Huntsville, Alabama.
Cheapest car insurance with a clean record: National General
Drivers without infractions or accidents generally pay lower car insurance rates than drivers with incidents on their records. In Huntsville, National General has the cheapest car insurance premiums on average for drivers with clean records, at $87 a month. Here are the car insurance companies with the lowest premiums if you have no infractions or accidents:
|Insurance Company||Clean Record|
|Midvale Home & Auto||$157|
Learn More: Cheapest Car Insurance by Driving Record
Cheapest car insurance with an accident in Huntsville: Travelers
Causing a car accident is likely to increase your premiums. How much your premiums increase after an accident depends on the severity of the accident and the claim payout. However, Travelers offers the cheapest car insurance quotes on average for drivers with an accident, at $114 a month.
|Insurance Company||Clean Record||With Accident||Difference|
|Midvale Home & Auto||$157||$291||$134|
Cheapest car insurance with a speeding ticket in Huntsville: National General
Speeding isn’t a harmless offense, even when it doesn’t result in an accident. Speeding is a factor in many accidents, especially accidents with fatalities. An insurer may raise your rates when you get a speeding ticket because this risky driving behavior has a higher likelihood of leading to an accident. National General offers the lowest car insurance premiums on average for drivers with a speeding ticket, at $154 a month.
|Insurance Company||Clean Record||With Speeding Ticket||Difference|
|Midvale Home & Auto||$157||$229||$72|
Car insurance in other Alabama cities
Here’s a look at car insurance quotes in some other Alabama cities:
Find local Huntsville agents
Larry Burkman Agency4820 University Dr NW,
Huntsville, AL 35816
Hundley Batts & Associates Ins.225 Spragins St Nw,
Suite B, Huntsville, AL 35801-4937
Fountain, Parker, Harbarger & Associates, LLC201 Washington St Ne,
Huntsville, AL 35801
Grimwood Insurance Agency, Inc711 Arcadia Cir,
Huntsville, AL 35801-5909
Redstone Insurance Services220 Wynn Drive,
Huntsville , AL 35893
Insurance Market, Inc.2021 Clinton Ave W Ste B,
Huntsville, AL 35805-7110
Valent Group - Huntsville303 Williams Avenue,
Ste. 611, Huntsville, AL 35801
A.G.D. Insurance2603 Newby Road SW,
Huntsville, AL 35805
Burkett & Associates Insurance Agency, Inc.2400 Bob Wallace Ave SW,
Huntsville, AL 35805
J. Smith Lanier & Co., a Marsh & McLennan Agency LLC206 Exchange Place,
Huntsville, AL 35806-2300
Huntsville car insurance rates FAQs
Here are answers to some commonly asked questions about car insurance in Huntsville.
Car insurance is required for all drivers operating a vehicle in Alabama. The minimum requirements are $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.
Minimum coverage doesn’t include optional insurance coverage, such as gap insurance, that might be worth considering if you live in an area of Huntsville with a higher rate of vehicle theft.
The best Huntsville car insurance company is the one that can offer the coverage you need at a premium you can afford.
Compare rates and coverage limits from multiple insurers before choosing a policy to make sure you identify the best fit for your needs.
The average cost of car insurance in Huntsville is $158, which includes both liability-only and full-coverage policies. The average rate throughout the state of Alabama is $185.
Compare Car Insurance Quotes Instantly
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- III. "What determines the price of an auto insurance policy?." Accessed January 27, 2023
- Alabama Department of Insurance. "Automobile Insurance FAQs." Accessed January 27, 2023
- III. "Nine ways to lower your auto insurance costs." Accessed January 27, 2023
- Transportation Safety. "Teen Drivers and Passengers: Get the Facts ." Accessed January 27, 2023
- Alabama Department of Insurance. "How Credit-Based Insurance Scores Affect Your Premium." Accessed January 27, 2023
- Experian. "What Is a Good Credit Score?." Accessed January 27, 2023
- III. "Do auto insurance premiums go up after a claim?." Accessed January 27, 2023
- NHTSA. "Speeding and Aggressive Driving Prevention." Accessed January 27, 2023