Best Cheap Auto Insurance in Huntsville, Alabama (2023)

Huntsville’s car insurance rates are cheaper than the state’s average, but you should still shop around for the most affordable coverage.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated September 20, 2023

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Also known as the Rocket City, Huntsville’s average cost of car insurance is $133 per month for liability-only insurance and $229 per month for full coverage. Compared to the state’s average cost, Huntsville’s car insurance rates are a bit cheaper. Huntsville has a lower population density than Birmingham and Mobile, which can keep insurance costs low since insurers consider an area’s population when setting rates.

If you shop around, you can find a great deal on a car insurance policy. Here’s what you need to know about cheap car insurance rates in Huntsville.

Quick Facts
  • Full-coverage car insurance in Huntsville is almost 4% less expensive than the Alabama state average.

  • Car insurance in Huntsville is cheaper than in many other Alabama cities, like Birmingham, Madison, and Montgomery.

  • Per the contributory negligence laws in Alabama, you may not be able to collect damages from another party’s car insurance policy if you’re partially responsible for a car accident.[1]

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Best 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.

Here are a few of the best car insurance companies in Huntsville to start your search with.

Best insurer for liability insurance: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$35/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.
$67/mo

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)

Cons
  • No online quotes

  • Won’t file an SR-22 on your behalf

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019
Verified

Good customer service

Debora - February 12, 2019
Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018
Verified
Read our Auto-Owners review

Best insurer for full coverage: COUNTRY Financial

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$39/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.
$74/mo

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.

Pros
  • Free online quotes

  • Unique optional insurance coverage options 

Cons
  • Accident forgiveness not available

  • Doesn’t offer gap insurance

Average customer service from the agent

Michael - December 27, 2022
Verified

Worked with them for many years; never had issues, and our agent always had our best interests at heart

Shirley - October 2, 2022
Verified

Great price and customer service

Wendy - June 2, 2021
Verified
Read our Country Financial review

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$53/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.
$99/mo

The Government Employees Insurance Company, now known as 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 J.D. Power customer satisfaction rating in the Southeast region

Good communication

John - February 4, 2023
Verified

They offer the best rate.

Shannon - February 1, 2023
Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Huntsville

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.

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners35
USAA35
State Farm36
Allstate39
COUNTRY Financial39
Travelers49
National General51
GEICO53
Direct Auto60
State Auto63
Progressive65
Farmers66
Foremost67
AssuranceAmerica68
Safeco70
Clearcover80
Midvale Home & Auto87
Liberty Mutual95
Bristol West120
GAINSCO131
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

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners67
State Farm67
USAA67
Allstate73
COUNTRY Financial74
Travelers98
GEICO99
Nationwide108
Direct Auto111
Clearcover118
National General122
Progressive122
AssuranceAmerica123
Farmers124
Safeco128
Midvale Home & Auto151
State Auto169
Foremost171
Liberty Mutual179
GAINSCO216
Bristol West271
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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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.[1] Drivers must also show proof of insurance while driving to avoid consequences.

Here are Alabama’s minimum car insurance requirements:[2]

CoverageMinimum 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:

illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

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.

illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

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.

illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

Uninsured/underinsured motorist coverage

Uninsured and underinsured motorist coverage can cover your expenses if a driver without car insurance or with insufficient coverage hits you.

illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

Medical payments coverage

Medical payments insurance is similar to personal injury protection (PIP) coverage and pays for medical expenses and funeral costs, regardless of fault.

illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

Roadside assistance coverage

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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Cheapest car insurance for drivers with a speeding ticket

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.[3] 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.

The table below shows the cheapest car insurance companies in Huntsville for drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners10655
State Farm10657
USAA10655
Allstate11562
COUNTRY Financial11762
Travelers15577
GEICO15684
Direct Auto17595
Clearcover186126
National General19381
Progressive193103
AssuranceAmerica194107
Farmers196104
Safeco202111
Midvale Home & Auto238137
State Auto26799
Foremost270106
Liberty Mutual283150
GAINSCO341207
Bristol West428190
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

In 2020, a traffic accident occurred every 3 minutes and 55 seconds in Alabama.[4] If you cause an accident in Huntsville, your car insurance rates will likely increase because insurers consider people who cause accidents as riskier drivers.

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners10756
State Farm10757
USAA10756
Allstate11662
COUNTRY Financial11862
Travelers15678
GEICO15884
Direct Auto17795
Clearcover188127
National General19481
Progressive194103
AssuranceAmerica196108
Farmers197105
Safeco204111
Midvale Home & Auto240138
State Auto269100
Foremost272107
Liberty Mutual285151
GAINSCO344208
Bristol West431191
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

In 2020, Alabama reported 158 deaths in 5,106 crashes with suspected drug or alcohol impairment.[3] 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.

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners12063
State Farm12064
USAA12063
Allstate13170
COUNTRY Financial13370
Travelers17688
GEICO17795
Direct Auto199107
Clearcover211143
National General21991
Progressive219116
AssuranceAmerica220122
Farmers222118
Safeco229125
Midvale Home & Auto271156
State Auto303113
Foremost306120
Liberty Mutual321170
GAINSCO387235
Bristol West485215
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

Physical and mental impairments can make it difficult for Huntsville seniors to drive safely. This is why average premiums usually decrease around age 35 and increase again around age 75.[5] Despite these slight increases, senior drivers often pay lower-than-average premiums.

Here are the cheapest car insurance companies for senior drivers in Huntsville.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners3418
State Farm3418
USAA3418
Allstate3720
COUNTRY Financial3820
Travelers5025
GEICO5127
Direct Auto5731
Clearcover6141
AssuranceAmerica6335
National General6326
Progressive6333
Farmers6434
Safeco6636
Midvale Home & Auto7745
State Auto8732
Foremost8834
Liberty Mutual9249
GAINSCO11167
Bristol West13962
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

Compared to older drivers, teen drivers and young adults have less experience on the road. Alabama reported more than 200 fatalities for people 25 and younger in 2020.[3] For this reason, car insurance companies typically charge higher premiums to teen drivers and young adults.

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: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners12565
State Farm12567
USAA12565
Allstate13673
COUNTRY Financial13873
Travelers18391
GEICO18599
Direct Auto207112
Clearcover220149
National General22895
Progressive228121
AssuranceAmerica229127
Farmers231123
Safeco239131
Midvale Home & Auto282162
State Auto315118
Foremost319125
Liberty Mutual334177
GAINSCO403244
Bristol West506224
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.

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

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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.[6] 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.[7]

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.[8]

More cities in Alabama

The table below shows the average quotes for a full-coverage policy in other Alabama cities compared to Huntsville.

CityAverage Monthly QuoteCompared to Huntsville
Bessemer$28725%
Birmingham$25411%
Madison$25210%
Mobile$28022%
Montgomery$26013%
Tuscaloosa$26013%
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.

Huntsville car insurance FAQs

Learn about how to lower your car insurance costs, and check out Insurify’s answers to common questions about auto insurance in Huntsville.

  • How much is car insurance in Huntsville?

    The average cost of car insurance in Huntsville is $133 a month for liability only and $229 a month for full coverage.

  • 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.[2]

  • 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.[7] 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.

Sources

  1. Nolo. "Alabama Car Accident Statute of Limitations, Alabama Contributory Negligence Rule." Accessed August 7, 2023
  2. Alabama Department of Insurance. "Automobile Insurance FAQs." Accessed August 7, 2023
  3. Alabama Department of Transportation. "2020 Crash Facts." Accessed August 7, 2023
  4. Drive Safe Alabama. "Serious Stats." Accessed August 7, 2023
  5. III. "Senior driving safety and insurance tips." Accessed August 7, 2023
  6. Alabama Department of Insurance. "How Credit-Based Insurance Scores Impact Your Premium." Accessed August 7, 2023
  7. III. "What determines the price of an auto insurance policy?." Accessed August 7, 2023
  8. U.S. Census Bureau. "QuickFacts: Huntsville city, Alabama; Mobile city, Alabama; Bessemer city, Alabama; Montgomery city, Alabama." Accessed August 7, 2023
Anna Baluch
Anna BaluchInsurance Writer

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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