Cheapest Auto Insurance in Huntsville, Texas (2026)

Huntsville drivers pay $150 per month for car insurance, a little bit less than the overall Texas average of $163 per month. The Rocket City’s relatively small population of about 47,000 and low auto theft rate may partly contribute to its affordable car insurance. But if you want to lower your rates even more, you have ways to do so. Here’s what you need to know about comparing car insurance quotes in Huntsville, Texas.

3 of the cheapest car insurance companies in Huntsville

Car insurance companies look at several factors to determine your premium, including your age, ZIP code, driving record, and vehicle type. Insurers may offer different rates for the same coverage, so it’s crucial to compare car insurance companies before buying a policy.

You can jump-start your search by checking out some of the top insurance companies offering cheap rates in Huntsville, Texas. The rates in the table below are averages for all of Texas.

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
State Farm	9.3	$101	$57	Cheap rates
USAA	9.1	$180	$102	Veterans
GEICO	9.2	$181	$95	Discounts

Disclaimer: Table data is based on real-time Huntsville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

• How Insurify rates insurance companies

  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.

Best insurer for cheap rates: State Farm

Cheap Rates

Compare Quotes

User Reviews	4.0 7,164 reviews
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.	9.3 /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.	$54/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.	$94/mo

Hide Details

Driver Reviews

4.0

Best choice in Huntsville, TXBased on 15,707 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Huntsville for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Huntsville for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Texas reviews for Huntsville drivers - See all 7,164 State Farm reviews

William

Verified Review

The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.

Reviewed in Texas on March 2, 2026

The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.

Paul

Verified Review

Helpful agents over the 60 years of having coverage with State Farm.

Reviewed in Texas on March 1, 2026

I have not had any claims in recent years. No problems over the years when there was a claim.

Percy

Verified Review

Excellent service and coverage

Reviewed in Texas on February 28, 2026

Excellent, friendly, and professional.

Previous

1234…25

Next

Our Advice

JD Power

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

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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

State Farm offers Huntsville drivers some of the cheapest rates. When combined with plenty of discount opportunities and affordable coverage, this insurer is a good choice for drivers on a budget. A high customer satisfaction rating makes State Farm an even more attractive option.

Pros

• Above-average J.D. Power customer satisfaction rating in Texas

• Relatively low average rates

Cons

• No gap insurance options

• Not the cheapest for every driver

Best insurer for veterans: USAA

Veterans

Compare Quotes

User Reviews	4.9 1,476 reviews
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.	9.1 /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.	$95/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.	$167/mo

Show Details

Driver Reviews

4.9

Best choice in Huntsville, TXBased on 3,118 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Huntsville for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Huntsville for

Members of the military community

Outstanding customer service

Competitive rates

Showing 59 Texas reviews for Huntsville drivers - See all 1,476 USAA reviews

Paul

Verified Review

Discount Restrictions

Reviewed in Texas on February 22, 2026

I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.

Alex

Verified Review

Poor

Reviewed in Texas on February 19, 2026

Be careful because they were raising rates on us.

Harvey

Verified Review

Overall Outstanding Service

Reviewed in Texas on February 18, 2026

Excellent and professional service. My minor complaint is that it is somewhat expensive.

Previous

1234…20

Next

Our Advice

JD Power

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

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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

USAA offers a range of financial products to military members, veterans, and their families. In addition to auto insurance, you can find home insurance, life insurance, renters insurance, and banking services. With a high customer satisfaction rating and AM Best financial strength rating of A++ (Superior), USAA is an excellent choice if you qualify for coverage.

Pros

• Highly rated mobile app

• Safe drivers can save up to 30% through the SafePilot program

Cons

• Only available to veterans, military members, and their families

• Customer support unavailable on Sunday

Best insurer for discounts: GEICO

Discounts

Compare Quotes

User Reviews	4.0 7,412 reviews
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.	9.2 /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.	$88/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.	$167/mo

Show Details

Driver Reviews

4.0

Best choice in Huntsville, TXBased on 15,938 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Huntsville for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Huntsville for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Texas reviews for Huntsville drivers - See all 7,412 GEICO reviews

Jeanette

Verified Review

Too much $$$

Reviewed in Texas on March 2, 2026

Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!

Zee

Verified Review

Expensive but probably a good insurance

Reviewed in Texas on February 25, 2026

It is very expensive; the Geico Auto help is very good.

Tom

Verified Review

Understand what you bought before you sign

Reviewed in Texas on February 25, 2026

Make sure they explain the policy thoroughly before you sign!

Previous

1234…25

Next

Our Advice

JD Power

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

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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 is one of the largest insurers in the country, offering a wide range of coverages. It has affordable rates, a variety of discounts, and an accident forgiveness program. It also has an excellent financial strength rating of A++ (Superior) from AM Best.

Pros

• Many available discounts

• Offers accident forgiveness

Cons

• Below-average J.D. Power customer satisfaction rating in Texas

• No rideshare insurance

How to get the cheapest car insurance in Huntsville

Huntsville drivers must carry a minimum amount of insurance. But that doesn’t mean you have to overpay for this unavoidable expense. Here’s a look at some strategies for locking in the best rates:

• Look for discounts. Always look for discount options before finalizing your policy. Most insurance companies offer a variety of discounts, so you likely qualify for one or two.

• Shop around. Every insurer looks at your situation differently, providing varying rates. Comparing quotes from different companies can help you find the best rate.

• Raise your deductible. A higher deductible usually leads to lower premiums. This might be a good option if you have the money to pay for a higher deductible out of pocket.

• Bundle your home and auto policies. Many insurance companies offer a discount for purchasing multiple insurance policies.

Find Cheap Car Insurance in Huntsville, Texas

Rates start as low as $116 for liability coverage

Enter your ZIP codeView My Quotes

Excellent

4.7 out of 5 based on 12,363 reviews

Secure. Free. Easy-to-use.

Cheapest liability-only car insurance in Huntsville: State Farm

You must have liability car insurance to drive legally in Texas.^[1] With this minimum coverage, your insurance company will help you pay for another party’s medical expenses and vehicle repairs after an at-fault accident.

As the most bare-bones option, it’s usually the cheapest type of insurance. Huntsville drivers pay an average monthly rate of $116 for liability-only car insurance. Here are some of the best quotes for liability coverage in the city.

The below rates in Huntsville, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$54
Mile Auto	$69
Progressive	$74
Allstate	$75
GEICO	$88
USAA	$95
Mercury	$104
Dairyland	$112
Root	$112
The General	$114
Commonwealth Casualty	$114
Bristol West	$116
GAINSCO	$119
Nationwide	$120
AssuranceAmerica	$124
Clearcover	$125
Sun Coast	$128
Safeco	$132
Direct Auto	$135
National General	$135
Elephant	$139
Chubb	$162
21st Century	$187
Liberty Mutual	$244

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Huntsville: State Farm

Full-coverage car insurance adds comprehensive and collision coverages to your policy, along with your minimum liability insurance. If you collide with another car or object, collision coverage will help you repair or replace your vehicle. Comprehensive coverage pays for damage from non-collision events, like weather, theft, and vandalism.

If you have an auto loan, the lender may require you to carry this type of insurance. But the robust coverage might be a good option for you, even if you’ve already paid off your vehicle. Vehicle damages can add up very quickly, leaving your pocket hurting.

On average, full coverage costs Huntsville drivers $2,215 per year. Below are some of the cheapest options for full-coverage auto insurance in the city.

The below rates in Huntsville, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$94
Progressive	$127
Allstate	$132
Mile Auto	$145
Mercury	$158
USAA	$167
GEICO	$167
Root	$194
Safeco	$199
Clearcover	$205
Direct Auto	$208
Nationwide	$209
Elephant	$220
The General	$222
Bristol West	$232
National General	$232
GAINSCO	$238
Sun Coast	$243
AssuranceAmerica	$256
Commonwealth Casualty	$268
Chubb	$283
Liberty Mutual	$315
Dairyland	$320
21st Century	$327

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Texas

The Lone Star State requires drivers to carry a minimum amount of insurance to legally operate a vehicle.^[1] In this at-fault state, you’ll need insurance that at least meets the following requirements:

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person $60,000 per accident
Property damage liability	$25,000

In Texas, all insurers must include a minimum of $2,500 in personal injury protection per person per accident in all auto policies.^[2] This coverage helps with your medical expenses if you’re injured in an accident, as well as a percentage of lost wages and other associated costs. If you want to refuse this coverage, you must do so by writing to your insurer.^[1]

Liability-only coverage is a bare minimum option. If you want more financial protection, consider the following coverages:

• 

  Collision coverage

  Collision coverage pays for repairs to your vehicle after a collision with a vehicle or another object, like a tree or telephone pole.

• 

  Comprehensive coverage

  Comprehensive coverage pays to repair or replace your vehicle after damage from a non-collision incident, like severe weather or vandalism.

• 

  Uninsured/underinsured motorist coverage

  Underinsured/uninsured motorist coverage pays for damages if you get into an accident with a driver without enough insurance.

Cheapest car insurance for drivers with an incident

Huntsville drivers with a clean record tend to pay less for insurance than drivers with incidents on their driving record. Speeding tickets, at-fault accidents, and driving under the influence (DUI) can all negatively affect your car insurance costs. Insurance companies tend to think of drivers with a checkered past as a higher risk to insure, which leads to higher premiums.

Find Car Insurance in Huntsville, TX

Rates start at $66 for drivers with incidents on their records

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 12,363 reviews

Secure. Free. Easy-to-use.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurance companies tend to charge higher premiums for drivers with a speeding ticket. How much your rates will increase depends on how fast you’re going and how many speeding tickets you already have on your record.^[3]

Huntsville drivers with a speeding ticket face an average monthly cost of $230 per month for full coverage and $144 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates in Huntsville, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$54	$68
Mile Auto	$69	$84
Progressive	$74	$92
Allstate	$75	$97
GEICO	$88	$115
USAA	$95	$122
Mercury	$104	$145
Dairyland	$112	$139
Root	$112	$149
The General	$114	$152
Commonwealth Casualty	$114	$134
Bristol West	$116	$145
GAINSCO	$119	$141
Nationwide	$120	$155
AssuranceAmerica	$124	$157
Clearcover	$125	$162
Sun Coast	$128	$159
Safeco	$132	$173
Direct Auto	$135	$168
National General	$135	$167
Elephant	$139	$165
Chubb	$162	$205
21st Century	$187	$245
Liberty Mutual	$244	$309

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Cleaning up after an at-fault accident is often complicated and expensive. Beyond the initial costs, an at-fault accident usually leads to higher insurance premiums because it indicates you may be a risky driver.^[3]

In Huntsville, drivers with at-fault accidents pay averages of $243 per month for full coverage and $152 for liability only. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

The below rates in Huntsville, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$54	$71
Mile Auto	$69	$93
Progressive	$74	$97
Allstate	$75	$100
GEICO	$88	$114
USAA	$95	$127
Mercury	$104	$156
Dairyland	$112	$147
Root	$112	$149
The General	$114	$156
Commonwealth Casualty	$114	$150
Bristol West	$116	$152
GAINSCO	$119	$152
Nationwide	$120	$161
AssuranceAmerica	$124	$165
Clearcover	$125	$181
Sun Coast	$128	$168
Safeco	$132	$184
Direct Auto	$135	$184
National General	$135	$179
Elephant	$139	$181
Chubb	$162	$214
21st Century	$187	$253
Liberty Mutual	$244	$324

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence (DUI) was a contributing factor in a significant number of fatal crashes in Texas in 2021.^[4] The high stakes of this risky behavior often lead insurance companies to charge higher rates for drivers with a DUI on their driving record. Some insurers may even refuse to provide you coverage after a DUI.

The average monthly cost of car insurance with a DUI in Huntsville is $255 per month for full coverage and $160 for liability only — significantly higher than the averages for a driver with a clean record. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

The below rates in Huntsville, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$54	$77
Mile Auto	$69	$98
Progressive	$74	$102
Allstate	$75	$107
GEICO	$88	$125
USAA	$95	$135
Mercury	$104	$155
Dairyland	$112	$159
Root	$112	$161
The General	$114	$162
Commonwealth Casualty	$114	$162
Bristol West	$116	$165
GAINSCO	$119	$169
Nationwide	$120	$171
AssuranceAmerica	$124	$176
Clearcover	$125	$178
Sun Coast	$128	$176
Safeco	$132	$201
Direct Auto	$135	$192
National General	$135	$192
Elephant	$139	$198
Chubb	$162	$230
21st Century	$187	$251
Liberty Mutual	$244	$347

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Senior drivers in Huntsville often start to see their car insurance costs rise around age 70. Insurers see senior drivers as riskier than most other age groups and charge them higher rates to make up for the increased risk.

The average cost of car insurance for senior drivers in Huntsville is $157 per month for full coverage and $99 for liability only. Below are the average monthly car insurance quotes for seniors in the city.

The below rates in Huntsville, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
State Farm	$42	$73
Mile Auto	$54	$113
Allstate	$60	$106
Progressive	$63	$108
GEICO	$69	$132
USAA	$76	$134
Mercury	$82	$125
Nationwide	$91	$159
Commonwealth Casualty	$91	$214
Root	$93	$161
Dairyland	$94	$270
The General	$95	$185
AssuranceAmerica	$96	$198
Bristol West	$96	$191
GAINSCO	$100	$200
National General	$105	$181
Direct Auto	$108	$166
Clearcover	$109	$179
Sun Coast	$109	$207
Elephant	$114	$180
Safeco	$115	$173
Chubb	$121	$212
21st Century	$146	$255
Liberty Mutual	$202	$261

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers’ lack of experience behind the wheel tends to translate into higher car insurance premiums. But teen drivers can still find savings by shopping around, seeking good student discounts, driving a safe vehicle, and sticking with their parents’ insurance policy.^[5]

On average, teen drivers in Huntsville pay $365 per month for full coverage and $229 per month for liability-only coverage. Below are the average insurance quotes for teens in the city.

The below rates in Huntsville, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
State Farm	$109	$190
Progressive	$146	$251
Mile Auto	$148	$310
Allstate	$154	$272
GEICO	$164	$312
USAA	$183	$322
Dairyland	$199	$568
Mercury	$201	$305
Root	$202	$350
The General	$209	$407
Clearcover	$215	$353
Bristol West	$216	$433
Commonwealth Casualty	$221	$519
GAINSCO	$227	$454
Nationwide	$244	$425
Sun Coast	$253	$479
Elephant	$256	$405
AssuranceAmerica	$267	$552
Direct Auto	$271	$417
Safeco	$277	$417
National General	$284	$488
Chubb	$348	$608
21st Century	$352	$616
Liberty Mutual	$449	$580

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Huntsville car insurance quotes by credit tier

Texas allows insurance companies to consider your credit history to determine premiums.^[6] Auto insurance companies have determined that drivers with excellent or good credit are less likely to file a claim, so these drivers often pay lower rates. In contrast, drivers with poor credit tend to pay more for car insurance.

Explore average car insurance costs by credit score below:

Is car insurance more expensive in Huntsville?

The overall average price of car insurance in Huntsville is $150, slightly less than the state average of $163. However, it’s a bit more expensive than the national average of $136.

Rates vary from city to city within the Lone Star State. For example, Houston drivers pay much more than drivers in Huntsville, with an average monthly quote of $220. But El Paso drivers often pay less. It’s important to compare quotes from multiple insurers before buying a policy.

More cities in Texas

Drivers face different car insurance rates based on a range of factors, including location. Drivers generally pay more for insurance in urban areas with more traffic and higher crime rates. In contrast, drivers in rural areas with less congestion tend to pay less.

Compare the average quotes for other cities in Texas below:

City	Average Quote: Liability Only	Average Quote: Full Coverage
Arlington	$128	$215
Austin	$128	$209
Dallas	$135	$238
El Paso	$103	$191
Fort Worth	$119	$210
Houston	$170	$270
Irving	$123	$227
Plano	$126	$206
San Antonio	$128	$218

Disclaimer: Table data sourced from real-time Huntsville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Huntsville may vary based on the policy buyer's unique driver profile.

Huntsville car insurance FAQs