Cheap Auto Insurance Quotes in Huntsville, AL (January 2022)

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Last Updated: January 2022

Car Insurance in Huntsville, AL

The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Huntsville, AL to find you the cheapest quotes in the area.
$89
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$153
State FarmAllstateGEICOTravelersNationwide

Cheapest Car Insurance in Huntsville, AL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$137
$152
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$129
AlabamaBirminghamMontgomeryMobileTuscaloosaHuntsville
Click here to learn about car insurance quotes and save on your current policy.

Huntsville, AL Driving Facts

alabama

Minimum Car Insurance Requirements in AL

Alabama's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Find local Huntsville agents

Larry Burkman Agency
4820 University Dr NW, Huntsville, AL 35816
Hundley Batts & Associates Ins.
225 Spragins St Nw, Suite B, Huntsville, AL 35801-4937
Fountain, Parker, Harbarger & Associates, LLC
201 Washington St Ne, Huntsville, AL 35801
Grimwood Insurance Agency, Inc
711 Arcadia Cir, Huntsville, AL 35801-5909
Redstone Insurance Services
220 Wynn Drive, Huntsville , AL 35893
Insurance Market, Inc.
2021 Clinton Ave W Ste B, Huntsville, AL 35805-7110
Valent Group - Huntsville
303 Williams Avenue, Ste. 611, Huntsville, AL 35801
A.G.D. Insurance
2603 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 LLC
206 Exchange Place, Huntsville, AL 35806-2300

Insurify Insights: How Huntsville Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Huntsville, AL
suspended licenses
#26
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Huntsville drivers measure up to their fellow Alabama motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Huntsville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Huntsville drivers rank 10 in the number of car accidents per driver across all cities in Alabama.

  • Rank within state: #10
  • Percent of drivers in Huntsville with an accident: 11.9%
  • Drivers in Huntsville, AL with an accident in their driving history paid on average 63.51% more than drivers with a clean record

Speeding in Huntsville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Alabama, Huntsville drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Huntsville with a speeding ticket: 12.56%
  • Drivers in Huntsville, AL with a speeding ticket in their driving history paid on average 43.92% more than drivers with a clean record

DUI/DWIs in Huntsville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Huntsville drivers rank 13 in the number of DUI’s per driver across all cities in Alabama.

  • Rank within state: #13
  • Percent of drivers in Huntsville with a DUI: 1.22%
  • Drivers in Huntsville, AL with a DUI in their driving history paid on average -99.32% more than drivers with a clean record

Most Popular Vehicle in Huntsville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Huntsville is the Honda Accord.

Rude in Huntsville

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Alabama, Huntsville drivers rank 11 in rude driving infractions.

  • Rank within state: #11
  • Percent of drivers in Huntsville with a reckless driving violation: 1.12%
  • Drivers in Huntsville, AL with a reckless driving violation in their driving history paid on average 62.84% more than drivers with a clean record.

Safest Drivers in Huntsville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Huntsville drivers rank 8 in clean driving records across all cities in Alabama.

  • Rank within state: #8
  • Percent of drivers in Huntsville with clean record: 78.26%

Failure to Yield the Right of Way in Huntsville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Huntsville drivers rank 4 in failure to yield violations per driver across all cities in Alabama.

  • Rank within state: #4
  • Percent of drivers in Huntsville with a failure to yield violation: 0.28%
  • Drivers in Huntsville, AL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Huntsville

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Alabama, Huntsville drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Huntsville with a reckless driving offense: 0.09%

Hybrid/Electric Vehicle Ownership in Huntsville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Huntsville drivers rank 1 in hybrid and electric vehicle ownership across all cities in Alabama.

  • Rank within state: #1
  • Percent of drivers in Huntsville with a hybrid/electric vehicle: 1.54%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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