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.
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Written byAnna Baluch
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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 MikulskiSenior Editor, Auto
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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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Reviewed byDaniel Roccato
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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated October 30, 2024
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Table of contents
In Huntsville, car insurance averages $66 per month for full coverage and $64 for liability-only policies, according to Insurify data. Compared to the Alabama state averages of $156 and $60, 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 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 ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $71 | $37 | Liability insurance |
| COUNTRY Financial | 8.8 | $79 | $41 | Full coverage |
| GEICO | 9.0 | $106 | $55 | Discounts |
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 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 28,000 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 liability insurance: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| 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. | 8.5/10 |
| 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. | $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. | $66/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 more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
…
Best insurer for full coverage: COUNTRY Financial
Country FinancialCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | 8.8/10 |
| 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. | $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 more driver reviews of Country Financial
Chloe - October 19, 2024
Verified
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
James - October 8, 2024
Verified
Insurance Cost
The rates are increasing very quickly.
Dayna - September 17, 2024
Verified
Goodbye, Country Financial
I had been with Country Financial for over 30 years. However, they raised my auto rate by over $422.00 for a 6-month policy, which was the deal breaker. There was absolutely no reason for it.
…
Best insurer for discounts: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | 9.0/10 |
| 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. | $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. | $98/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 more driver reviews of GEICO
Herman - October 29, 2024
Verified
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg - October 29, 2024
Verified
It's Expensive
It's expensive.
Robert - October 29, 2024
Verified
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
…
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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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. It's usually best for drivers who aren't financing, and who own an older, less-expensive vehicle.
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $36 |
| State Farm | $36 |
| USAA | $36 |
| Allstate | $39 |
| COUNTRY Financial | $40 |
| Travelers | $49 |
| National General | $52 |
| GEICO | $53 |
| Direct Auto | $55 |
| Nationwide | $61 |
| Progressive | $65 |
| Farmers | $66 |
| Safeco | $71 |
| AssuranceAmerica | $73 |
| Clearcover | $74 |
| Foremost | $84 |
| Midvale Home & Auto | $85 |
| GAINSCO | $108 |
| Liberty Mutual | $112 |
| Bristol West | $115 |
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $66 |
| State Farm | $66 |
| USAA | $66 |
| Allstate | $71 |
| COUNTRY Financial | $73 |
| Travelers | $90 |
| GEICO | $98 |
| Nationwide | $113 |
| Safeco | $118 |
| National General | $119 |
| Progressive | $120 |
| Farmers | $121 |
| Clearcover | $126 |
| AssuranceAmerica | $132 |
| Direct Auto | $136 |
| Midvale Home & Auto | $146 |
| Liberty Mutual | $191 |
| Foremost | $210 |
| GAINSCO | $231 |
| Bristol West | $278 |
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 recent rates near Huntsville, Alabama
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $70/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 October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage ▲▼ | Minimum 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:
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.
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.
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.
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.
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 $232 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $36 | $50 |
| State Farm | $36 | $49 |
| USAA | $36 | $50 |
| Allstate | $39 | $54 |
| COUNTRY Financial | $40 | $57 |
| Travelers | $49 | $68 |
| National General | $52 | $72 |
| GEICO | $53 | $73 |
| Direct Auto | $55 | $76 |
| Nationwide | $61 | $85 |
| Progressive | $65 | $90 |
| Farmers | $66 | $91 |
| Safeco | $71 | $99 |
| AssuranceAmerica | $73 | $102 |
| Clearcover | $74 | $104 |
| Foremost | $84 | $125 |
| GAINSCO | $108 | $160 |
| Liberty Mutual | $112 | $166 |
| Bristol West | $115 | $159 |
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: USAA
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 $240 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $36 | $52 |
| State Farm | $36 | $52 |
| USAA | $36 | $52 |
| Allstate | $39 | $56 |
| COUNTRY Financial | $40 | $60 |
| Travelers | $49 | $71 |
| National General | $52 | $76 |
| GEICO | $53 | $77 |
| Direct Auto | $55 | $81 |
| Nationwide | $61 | $89 |
| Progressive | $65 | $95 |
| Farmers | $66 | $95 |
| Safeco | $71 | $101 |
| AssuranceAmerica | $73 | $105 |
| Clearcover | $74 | $114 |
| Foremost | $84 | $129 |
| GAINSCO | $108 | $150 |
| Liberty Mutual | $112 | $173 |
| Bristol West | $115 | $165 |
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: USAA
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 $269 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $36 | $63 |
| State Farm | $36 | $63 |
| USAA | $36 | $63 |
| Allstate | $39 | $68 |
| COUNTRY Financial | $40 | $70 |
| Travelers | $49 | $85 |
| National General | $52 | $91 |
| GEICO | $53 | $92 |
| Direct Auto | $55 | $96 |
| Nationwide | $61 | $106 |
| Progressive | $65 | $113 |
| Farmers | $66 | $115 |
| Safeco | $71 | $124 |
| AssuranceAmerica | $73 | $127 |
| Clearcover | $74 | $129 |
| Foremost | $84 | $146 |
| GAINSCO | $108 | $188 |
| Liberty Mutual | $112 | $195 |
| Bristol West | $115 | $200 |
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: USAA
Although seniors generally pay the lowest rates of any age group, their car insurance costs increase slightly around age 70. That's because seniors have a higher risk of getting into an accident or being seriously injured in an accident.
The average monthly cost of car insurance for Huntsville seniors is $110 for full coverage and $48 for liability only. Here are the cheapest car insurance companies for senior drivers in Huntsville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $35 | $19 |
| Auto-Owners | $36 | $20 |
| USAA | $39 | $21 |
| COUNTRY Financial | $40 | $22 |
| Allstate | $41 | $23 |
| Travelers | $51 | $28 |
| Progressive | $56 | $30 |
| GEICO | $57 | $31 |
| Nationwide | $57 | $31 |
| Farmers | $67 | $36 |
| National General | $68 | $30 |
| AssuranceAmerica | $76 | $42 |
| Direct Auto | $78 | $32 |
| Safeco | $80 | $48 |
| Clearcover | $83 | $49 |
| Liberty Mutual | $121 | $71 |
| Foremost | $127 | $51 |
| GAINSCO | $162 | $76 |
| Bristol West | $168 | $69 |
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 have less experience on the road, a higher risk of accidents, and are more likely to engage in risky driving behaviors like distracted driving. 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 $274 for full coverage and $119 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| COUNTRY Financial | $110 | $60 |
| USAA | $114 | $62 |
| Auto-Owners | $116 | $63 |
| State Farm | $117 | $64 |
| Allstate | $130 | $71 |
| GEICO | $161 | $87 |
| Travelers | $168 | $91 |
| Nationwide | $202 | $109 |
| Farmers | $219 | $120 |
| Progressive | $221 | $120 |
| National General | $242 | $106 |
| Safeco | $243 | $146 |
| Clearcover | $249 | $146 |
| AssuranceAmerica | $251 | $139 |
| Direct Auto | $256 | $103 |
| Liberty Mutual | $350 | $205 |
| Foremost | $386 | $154 |
| GAINSCO | $417 | $195 |
| Bristol West | $487 | $201 |
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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auburn | $166 | $62 |
| Birmingham | $185 | $69 |
| Madison | $170 | $61 |
| Mobile | $186 | $71 |
| Montgomery | $185 | $69 |
| Tuscaloosa | $173 | $64 |
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 $147 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
- 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.
Related articles
More cities in Alabama
Sources
- Alabama Department of Transportation. "2022 Crash Facts."
- Nolo. "Alabama Car Accident Laws."
- Alabama Department of Insurance. "Automobile Insurance FAQs."
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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 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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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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