120+ more*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on March 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on March 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
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In Huntsville, Texas, the cost of minimum-coverage car insurance averages $116 per month. Full coverage costs about $185 per month. These rates are slightly lower than the average cost of car insurance in Texas.
While Huntsville faces a high risk of damaging winds and a moderate risk of flooding, its low population density helps keep car insurance rates lower. Nearby College Station, a larger university town, has rates similar to those in Huntsville.
In contrast, Huntsville’s insurance coverage rates are much lower than those in large cities like Houston, where heavier traffic and higher vehicle theft rates drive up premiums.[1]
State Farm offers the cheapest liability insurance on average in Huntsville. Overall, Huntsville car insurance rates are slightly below the state average, while full-coverage policies are significantly cheaper.
In Texas, drivers must carry $30,000 in bodily injury liability coverage per person and $60,000 per accident, along with $25,000 in property damage liability coverage.[2]
Although Huntsville is 70 miles from the Gulf, it can still experience strong winds from hurricanes and tropical storms, according to First Street. For this reason, it may be worth considering a full-coverage policy that covers wind damage, among other perils.
The following companies offer the cheapest liability-only and full-coverage car insurance policies in Huntsville.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $54 | $94 |
| Mile Auto | $69 | $145 |
| Progressive | $74 | $127 |
| Allstate | $75 | $132 |
| GEICO | $88 | $167 |
| USAA | $95 | $167 |
| Mercury | $104 | $158 |
| Dairyland | $112 | $320 |
| Root | $112 | $194 |
| The General | $114 | $222 |
| Commonwealth Casualty | $114 | $268 |
| Bristol West | $116 | $232 |
| GAINSCO | $119 | $238 |
| Nationwide | $120 | $209 |
| AssuranceAmerica | $124 | $256 |
| Clearcover | $125 | $205 |
| Sun Coast | $128 | $243 |
| Safeco | $132 | $199 |
| Direct Auto | $135 | $208 |
| National General | $135 | $232 |
| Elephant | $139 | $220 |
| Chubb | $162 | $283 |
| 21st Century | $187 | $327 |
| Liberty Mutual | $244 | $315 |
Huntsville auto insurance premiums are about average for the Lone Star State.
Nearby Houston, with its nearly 2.4 million residents, is the most expensive city in Texas for car insurance. Huntsville’s population is less than 50,000, according to the U.S. Census Bureau, and its residents spend less time commuting than the average Texan.
The city also has about half the statewide rate of people with driving while intoxicated (DWI) convictions, according to Insurify data.
The table below shows the overall average monthly car insurance quotes for various Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $133 |
| Amarillo | $155 |
| Arlington | $171 |
| Austin | $169 |
| Beaumont | $174 |
| Brownsville | $161 |
| Corpus Christi | $167 |
| Dallas | $187 |
| Denton | $157 |
| El Paso | $147 |
| Fort Worth | $165 |
| Galveston | $163 |
| Garland | $183 |
| Grand Prairie | $177 |
| Houston | $220 |
| Huntsville | $150 |
| Irving | $175 |
| Killeen | $150 |
| Laredo | $164 |
| Lubbock | $157 |
| McAllen | $177 |
| Mesquite | $189 |
| Midland | $155 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
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Be prepared for heavy traffic on I-45. This major highway runs through Huntsville and carries a high volume of commercial truck traffic. Ongoing construction to widen the highway may also lead to hazardous traffic conditions, such as lane closures and reduced speeds, increasing the risk of accidents. The Texas Department of Transportation (TxDOT) asks drivers to slow down, stay alert, and allow extra travel time.
Use extra care when driving on the rural roads around Huntsville. Speeding causes many fatal accidents in East Texas, according to TxDOT. In 2024, Huntsville had five fatal crashes, while Keller, Texas, a similarly sized city in the Dallas-Fort Worth metroplex with slower traffic, had none.
Consider adding uninsured motorist coverage to your car policy, since an estimated 20% of Texas drivers are uninsured.[3] Without this coverage, you could end up paying for your vehicle repairs and medical bills out of pocket if an uninsured driver causes an accident.
About 3.46% of Huntsville drivers have a ticket on their record, and 4.72% have an accident, according to Insurify data. Your insurance rates will be higher if you have one of these infractions on your driving record.
A DUI raises your rates the most because insurers view high-risk drivers as more likely to repeat the behavior. In Texas, you’ll lose your license for up to one year, spend at least three days in jail, and incur a fine of up to $2,000.[4]
Here’s the average cost per month for auto insurance in Huntsville by driving record:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $150 |
| Speeding ticket | $187 |
| At-fault accident | $197 |
| DUI | $206 |
See quotes from top insurers in minutes
Car insurance companies charge higher rates for Texas teenagers because they have the highest accident risk. In 2024, 19% of all motor vehicle crashes in Texas involved teens.[5]
Texas aims to reduce teen crash fatalities by making it illegal for teens younger than 18 to drive between midnight and 5 a.m., the hours when most fatal crashes in Texas occur.
In contrast, Texas seniors typically pay the lowest premiums.
The chart below shows average monthly car insurance rates by age for Huntsville drivers.
Age | Average Monthly Quote |
|---|---|
| Teens | $225 |
| 20s | $152 |
| 30s | $123 |
| 40s | $116 |
| 50s | $106 |
| 60s | $97 |
| 70+ | $100 |
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on March 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on March 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
For more information on auto insurance in Huntsville, see the answers to frequently asked questions below.
A liability-only auto insurance policy in Huntsville costs an average of $116 per month, while full coverage averages $185 per month.
State Farm has the cheapest average coverage in Huntsville. You can find the most affordable car insurance rates for you by shopping around and comparing quotes from several companies.
While there’s no single best car insurance company for everyone, State Farm, Mile Auto, and Progressive have some of the cheapest car insurance rates in Huntsville.
Your car insurance premium in Huntsville, Texas, depends on many factors, including your age, driving record, occupation, and vehicle type.[6]
You can lower your Huntsville car insurance premium by raising your deductible, asking about discounts, and bundling your auto and homeowners or renters insurance. Since Texas car insurance can be expensive, comparing quotes regularly is the best way to find cheap car insurance.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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