Cheapest Auto Insurance in Huntsville, Texas (2024)
State Farm offers the cheapest car insurance in Huntsville, with minimum-coverage policies as low as $35 per month.
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Written bySarah Sharkey
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byDanny Smith
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Updated November 21, 2024
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Table of contents
Huntsville drivers pay $170 per month for car insurance, a little bit less than the overall Texas average of $181 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.
Quick Facts
Huntsville teens pay an average of $313 per month for car insurance.
Liability-only coverage costs an average of $110 in Huntsville, while full coverage averages $230 per month.
State Farm, GEICO, and Allstate have the cheapest car insurance in Huntsville.
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 | $69 | $37 | Cheap rates |
| USAA | 9.4 | $123 | $66 | Veterans |
| GEICO | 9.0 | $75 | $40 | Discounts |
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.
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 cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $35/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. | $65/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
| User Reviews | 4.9 |
|---|---|
| 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. | 9.4 /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. | $62/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. | $116/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
| User Reviews | 4.0 |
|---|---|
| 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. | $38/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. | $70/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 $110 for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $110 for liability-only car insurance. Here are some of the best quotes for liability coverage in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $35 |
| GEICO | $38 |
| Allstate | $50 |
| Mile Auto | $54 |
| USAA | $62 |
| Nationwide | $79 |
| Mercury | $82 |
| Progressive | $95 |
| Safeco | $96 |
| Dairyland | $101 |
| Chubb | $106 |
| Clearcover | $116 |
| National General | $116 |
| 21st Century | $122 |
| Direct Auto | $123 |
| The General | $123 |
| Bristol West | $128 |
| Commonwealth Casualty | $129 |
| Elephant | $136 |
| GAINSCO | $157 |
| Liberty Mutual | $187 |
| Foremost | $210 |
| State Auto | $235 |
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: 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 $2,765 per year. Below are some of the cheapest options for full-coverage auto insurance in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $65 |
| GEICO | $70 |
| Allstate | $91 |
| Mile Auto | $109 |
| USAA | $116 |
| Mercury | $140 |
| Nationwide | $145 |
| Progressive | $164 |
| Safeco | $170 |
| Clearcover | $174 |
| Chubb | $195 |
| Elephant | $224 |
| 21st Century | $226 |
| Direct Auto | $236 |
| National General | $240 |
| Dairyland | $263 |
| The General | $269 |
| Bristol West | $272 |
| Liberty Mutual | $308 |
| GAINSCO | $333 |
| Commonwealth Casualty | $355 |
| State Auto | $433 |
| Foremost | $447 |
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, Texas
Recent Huntsville, Texas car insurance prices for Ford, BMW, Toyota , and more.
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on November 21, 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 November 21, 2024. 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 November 21, 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 November 21, 2024. Actual quotes 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 $43 for drivers with incidents on their records
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $314 per month for full coverage and $150 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $35 | $44 |
| GEICO | $38 | $49 |
| Allstate | $50 | $64 |
| Mile Auto | $54 | $70 |
| USAA | $62 | $79 |
| Nationwide | $79 | $102 |
| Mercury | $82 | $113 |
| Progressive | $95 | $121 |
| Safeco | $96 | $125 |
| Dairyland | $101 | $129 |
| Chubb | $106 | $138 |
| Clearcover | $116 | $149 |
| National General | $116 | $149 |
| 21st Century | $122 | $162 |
| Direct Auto | $123 | $158 |
| The General | $123 | $160 |
| Bristol West | $128 | $165 |
| Commonwealth Casualty | $129 | $178 |
| Elephant | $136 | $188 |
| GAINSCO | $157 | $217 |
| Liberty Mutual | $187 | $258 |
| Foremost | $210 | $290 |
| State Auto | $235 | $324 |
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
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 $333 per month for full coverage and $159 for liability only. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $35 | $47 |
| GEICO | $38 | $52 |
| Allstate | $50 | $68 |
| Mile Auto | $54 | $75 |
| USAA | $62 | $84 |
| Nationwide | $79 | $108 |
| Mercury | $82 | $119 |
| Progressive | $95 | $130 |
| Safeco | $96 | $129 |
| Dairyland | $101 | $136 |
| Chubb | $106 | $145 |
| Clearcover | $116 | $170 |
| National General | $116 | $158 |
| 21st Century | $122 | $170 |
| Direct Auto | $123 | $171 |
| The General | $123 | $170 |
| Bristol West | $128 | $174 |
| Commonwealth Casualty | $129 | $172 |
| Elephant | $136 | $181 |
| GAINSCO | $157 | $204 |
| Liberty Mutual | $187 | $271 |
| Foremost | $210 | $304 |
| State Auto | $235 | $347 |
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
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 $379 per month for full coverage and $181 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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $35 | $58 |
| GEICO | $38 | $63 |
| Allstate | $50 | $82 |
| Mile Auto | $54 | $89 |
| USAA | $62 | $102 |
| Nationwide | $79 | $130 |
| Mercury | $82 | $125 |
| Progressive | $95 | $157 |
| Safeco | $96 | $147 |
| Dairyland | $101 | $166 |
| Chubb | $106 | $175 |
| Clearcover | $116 | $191 |
| National General | $116 | $191 |
| 21st Century | $122 | $201 |
| Direct Auto | $123 | $203 |
| The General | $123 | $203 |
| Bristol West | $128 | $211 |
| Commonwealth Casualty | $129 | $213 |
| Elephant | $136 | $224 |
| GAINSCO | $157 | $259 |
| Liberty Mutual | $187 | $308 |
| Foremost | $210 | $346 |
| State Auto | $235 | $387 |
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 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 $182 per month for full coverage and $87 for liability only. Below are the average monthly car insurance quotes for seniors in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $27 | $49 |
| GEICO | $30 | $55 |
| Allstate | $39 | $71 |
| Mile Auto | $40 | $80 |
| USAA | $48 | $91 |
| Nationwide | $58 | $106 |
| Mercury | $63 | $108 |
| Progressive | $67 | $115 |
| Chubb | $76 | $139 |
| Dairyland | $79 | $205 |
| Safeco | $80 | $142 |
| National General | $87 | $179 |
| 21st Century | $89 | $165 |
| Direct Auto | $94 | $180 |
| The General | $97 | $213 |
| Clearcover | $98 | $147 |
| Bristol West | $100 | $213 |
| Commonwealth Casualty | $101 | $277 |
| Elephant | $109 | $179 |
| GAINSCO | $129 | $273 |
| Liberty Mutual | $153 | $253 |
| Foremost | $164 | $349 |
| State Auto | $171 | $316 |
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 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 $424 per month for full coverage and $203 per month for liability-only coverage. Below are the average insurance quotes for teens in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $63 | $117 |
| State Farm | $63 | $116 |
| Allstate | $93 | $169 |
| USAA | $108 | $203 |
| Mile Auto | $108 | $219 |
| Nationwide | $144 | $264 |
| Mercury | $151 | $258 |
| Dairyland | $170 | $443 |
| Progressive | $174 | $300 |
| Safeco | $192 | $340 |
| The General | $204 | $446 |
| Chubb | $210 | $387 |
| 21st Century | $216 | $399 |
| Clearcover | $222 | $332 |
| Bristol West | $225 | $478 |
| Elephant | $230 | $379 |
| Commonwealth Casualty | $232 | $639 |
| Direct Auto | $234 | $448 |
| National General | $237 | $490 |
| GAINSCO | $282 | $599 |
| Liberty Mutual | $334 | $551 |
| Foremost | $388 | $826 |
| State Auto | $434 | $800 |
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.
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:
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?
The overall average price of car insurance in Huntsville is $170, slightly less than the state average of $181. However, it’s a bit more expensive than the national average of $154.
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 $248. 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 | $126 | $248 |
| Austin | $131 | $241 |
| Dallas | $133 | $277 |
| El Paso | $97 | $202 |
| Fort Worth | $120 | $237 |
| Houston | $174 | $322 |
| Irving | $130 | $261 |
| Plano | $126 | $243 |
| San Antonio | $123 | $237 |
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.
Huntsville car insurance FAQs
Finding the right car insurance can be a challenge. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Huntsville.
How much is car insurance in Huntsville, Texas?
Car insurance in Huntsville costs $170 per month, on average. Drivers pay an average of $230 per month for full-coverage car insurance and $110 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
Which company has the cheapest car insurance rates in Huntsville?
State Farm has the cheapest car insurance in Huntsville, with liability rates averaging $35 per month. You can also find low rates with GEICO and Allstate, which have liability-only rates of $38 and $50 per month, respectively.
What are the best car insurance companies in Huntsville?
State Farm is the best car insurance company in Huntsville, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Huntsville choices include USAA and GEICO.
What is the minimum car insurance required in Texas?
All drivers in Texas must carry car insurance. You must have at least $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability insurance.
How much is car insurance per month in Texas?
The overall average cost of car insurance per month in Texas is $181. Drivers pay $120 per month for liability coverage and $241 for full coverage.
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 Texas
Sources
- Texas Department of Insurance. "Auto Insurance Guide."
- Texas Office of Public Insurance Council. "Understanding PIP vs Med-Pay."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Texas Department of Transportation. "Crash Contributing Factors."
- Insurance Information Institute. "Auto insurance for teen drivers."
- Texas Department of Insurance. "Credit Scoring and Insurance."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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