Cheap Auto Insurance in Huntsville, Alabama (2024)

Auto-Owners offers the cheapest car insurance in Huntsville, with liability-only policies as low as $36 per month.

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 May 23, 2024

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Cheapest recent rates near Huntsville, Alabama

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $65/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 May 23, 2024

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 May 23, 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 May 23, 2024

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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

In Huntsville, car insurance averages $67 per month for full coverage and $64 for liability-only policies, according to Insurify data. Compared to the Alabama state averages of $163 and $62, 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$69$37Liability insurance
COUNTRY Financial4.5$76$41Full coverage
GEICO4.4$103$56Discounts
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
871
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.
$36/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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

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.
4.5
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+
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.
$40/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.
$73/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

Read our Country Financial review
Margaret - April 2, 2024
Verified

Poor

They constantly raise your rates.

Margaret - March 26, 2024
Verified

Fair

Every year, they raise my car or home insurance. I'm looking for a better deal.

Megan - May 27, 2023
Verified

Excellent

Philip is personable and overall makes dealing with insurance and claims easier.

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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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

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

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

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 $67/mo.

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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.

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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners36
State Farm36
USAA36
Allstate39
COUNTRY Financial40
Travelers49
National General51
GEICO53
Direct Auto57
Nationwide61
Progressive65
Farmers66
Safeco69
AssuranceAmerica71
Clearcover72
Foremost83
Midvale Home & Auto89
Liberty Mutual100
Bristol West118
GAINSCO118
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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners67
State Farm67
USAA67
Allstate72
COUNTRY Financial73
Travelers91
GEICO99
Nationwide114
Safeco116
National General118
Progressive122
Clearcover123
Farmers123
AssuranceAmerica128
Direct Auto136
Midvale Home & Auto148
Liberty Mutual177
State Auto187
Foremost204
GAINSCO227
Bristol West279
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. Drivers must also show proof of insurance while driving to avoid consequences.

Here are Alabama’s minimum car insurance requirements:

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: 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 $241 for full coverage and $101. 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
Auto-Owners3649
State Farm3649
USAA3649
Allstate3953
COUNTRY Financial4056
Travelers4967
National General5177
GEICO5373
Direct Auto5779
Nationwide6184
Progressive6589
Farmers6690
Safeco6996
AssuranceAmerica7199
Clearcover7299
Foremost83125
Midvale Home & Auto89126
Liberty Mutual100150
Bristol West118160
GAINSCO118177
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 $250 per month for full coverage and $104 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
Auto-Owners3651
State Farm3651
USAA3652
Allstate3956
COUNTRY Financial4059
Travelers4971
National General5173
GEICO5376
Direct Auto5783
Nationwide6188
Progressive6595
Farmers6694
Safeco6996
AssuranceAmerica71102
Clearcover72109
Foremost83129
Midvale Home & Auto89134
Liberty Mutual100156
Bristol West118167
GAINSCO118164
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 $280 for full coverage and $117 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
Auto-Owners3663
State Farm3663
USAA3663
Allstate3968
COUNTRY Financial4070
Travelers4986
National General5190
GEICO5393
Direct Auto57100
Nationwide61107
Progressive65114
Farmers66116
Safeco69121
AssuranceAmerica71125
Clearcover72126
Foremost83146
Midvale Home & Auto89156
Liberty Mutual100176
Bristol West118207
GAINSCO118207
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: Auto-Owners

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 70. Despite these slight increases, senior drivers often pay lower-than-average premiums.

The average monthly cost of car insurance for Huntsville seniors is $110 for full coverage and $46 for liability only. Here are the cheapest car insurance companies for senior drivers in Huntsville.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm3418
Auto-Owners3519
COUNTRY Financial3821
USAA3820
Allstate4022
Travelers5027
GEICO5429
Nationwide5529
Progressive5530
Farmers6535
Safeco6941
AssuranceAmerica7039
Clearcover7343
National General7532
Direct Auto7632
Midvale Home & Auto7746
Liberty Mutual9755
Foremost11547
GAINSCO14877
Bristol West16469
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 and young adults have less experience on the road. 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 $280 for full coverage and $117 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial10859
USAA11260
State Farm11461
Auto-Owners11662
Allstate12769
GEICO15784
Travelers16589
Nationwide196105
Farmers218117
National General22296
Progressive222118
AssuranceAmerica239133
Clearcover241141
Safeco244145
Direct Auto250105
Midvale Home & Auto260156
Liberty Mutual332187
Foremost364148
GAINSCO409213
Bristol West479203
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.

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. 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.

CityFull CoverageLiability Only
Auburn$159$61
Birmingham$187$70
Madison$158$62
Mobile$192$71
Montgomery$183$70
Tuscaloosa$177$65
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 $64 per month for liability only and $153 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 $36 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 $36 and $36, 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.

Sources

  1. Alabama Department of Transportation. "2022 Crash Facts."
  2. Nolo. "Alabama Car Accident Laws."
  3. Alabama Department of Insurance. "Automobile Insurance FAQs."
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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