Cheapest Auto Insurance in Huntsville, Texas (2024)

Huntsville drivers pay $170 per month for car insurance, a little bit less than the overall Texas average of $185 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.

Best insurer for cheap rates: State Farm

Best insurer for veterans: USAA

Best insurer for discounts: GEICO

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.

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Rates start as low as $106 for liability coverage

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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 $106 for liability-only car insurance. Here are some of the best quotes for liability coverage in the city.

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 $2,804 per year. Below are some of the cheapest options for full-coverage auto insurance in the city.

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:

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.

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Rates start at $44 for drivers with incidents on their records

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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 $334 per month for full coverage and $151 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

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 $354 per month for full coverage and $161 for liability only. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

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 $401 per month for full coverage and $182 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.

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 $167 per month for full coverage and $76 for liability only. Below are the average monthly car insurance quotes for seniors in the city.

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 $400 per month for full coverage and $181 per month for liability-only coverage. Below are the average insurance quotes for teens in the city.

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 $170, slightly less than the state average of $185. However, it’s a bit more expensive than the national average of $159.

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 $242. 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:

Huntsville car insurance FAQs