Compare Huntsville, AL Car Insurance Rates (2021)

Car insurance in Huntsville, AL averages $298 a month. Huntsville, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Huntsville car insurance rates, compare quotes from the top car insurance companies in Huntsville, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Huntsville, AL are $3,574/year
  • The cheapest car insurance company in Huntsville is USAA
  • The cheapest ZIP code in Huntsville is 35801

If you need to buy Huntsville, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Huntsville, AL is right here.

You’ll find Huntsville car insurance rates, the cheapest Huntsville, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Huntsville, Alabama car insurance rates to Auburn car insurance rates, Montgomery car insurance rates, and Dothan car insurance rates.

Ready to find affordable Huntsville, AL car insurance today? Enter your ZIP code for fast, free Huntsville car insurance quotes.

Cheapest Huntsville, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Huntsville, AL car insurance rates? Every Huntsville, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Huntsville, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,947 $1,856 $1,769 $1,803 $6,817 $7,341 $2,168 $2,210
Farmers $2,234 $2,219 $1,995 $2,123 $8,712 $8,970 $2,527 $2,614
GEICO $1,849 $1,840 $1,782 $1,858 $4,928 $4,801 $1,952 $1,791
Liberty Mutual $2,796 $3,017 $2,300 $2,570 $10,388 $11,540 $2,964 $3,141
Nationwide $1,784 $1,804 $1,628 $1,682 $4,780 $6,140 $1,984 $2,215
Progressive $2,383 $2,223 $1,963 $2,090 $10,205 $11,388 $2,798 $3,000
State Farm $3,051 $3,051 $2,790 $2,790 $9,611 $12,015 $3,455 $3,988
Travelers $1,265 $1,282 $1,199 $1,193 $6,876 $10,801 $1,201 $1,351
USAA $1,279 $1,292 $1,196 $1,165 $3,850 $4,257 $1,660 $1,786

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Minimum Car Insurance in Huntsville, AL

Every driver must carry the minimum car insurance in Huntsville, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car Insurance Coverage in Huntsville, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Huntsville, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Huntsville, AL. Compare credit history car insurance rates in Huntsville from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Huntsville, Alabama

Insurance Company Poor Fair Good
Allstate $4,000 $3,145 $2,571
Farmers $4,395 $3,787 $3,590
GEICO $3,306 $2,360 $2,135
Liberty Mutual $6,908 $4,262 $3,348
Nationwide $3,318 $2,592 $2,346
Progressive $5,059 $4,368 $4,093
State Farm $8,259 $4,181 $2,841
Travelers $3,427 $2,977 $3,034
USAA $2,762 $1,806 $1,614

Cheapest Huntsville, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Huntsville, AL to rates for a clean record with top companies.

Annual Huntsville, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,753 $3,245 $3,846 $3,110
Farmers $3,305 $4,276 $4,172 $3,945
GEICO $1,743 $2,828 $3,517 $2,313
Liberty Mutual $3,796 $5,291 $5,160 $5,111
Nationwide $2,409 $2,409 $3,502 $2,688
Progressive $4,058 $5,136 $4,386 $4,446
State Farm $4,571 $5,732 $5,036 $5,036
Travelers $2,621 $2,748 $4,031 $3,184
USAA $1,586 $1,995 $2,948 $1,715

Cheapest Huntsville, AL Car Insurance for Teen Drivers

Teen car insurance in Huntsville, AL can be expensive. Take a look at rates from the top car insurance companies in Huntsville for teenagers.

Annual Car Insurance Rates for Teen Drivers in Huntsville, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,817 $7,341
Farmers $8,712 $8,970
GEICO $4,928 $4,801
Liberty Mutual $10,388 $11,540
Nationwide $4,780 $6,140
Progressive $10,205 $11,388
State Farm $9,611 $12,015
Travelers $6,876 $10,801
USAA $3,850 $4,257

Cheapest Huntsville, AL Car Insurance for Seniors

Take a look at Huntsville, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Huntsville, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,769 $1,803
Farmers $1,995 $2,123
GEICO $1,782 $1,858
Liberty Mutual $2,300 $2,570
Nationwide $1,628 $1,682
Progressive $1,963 $2,090
State Farm $2,790 $2,790
Travelers $1,199 $1,193
USAA $1,196 $1,165

Cheapest Huntsville, AL Car Insurance Rates After a DUI

A DUI in Huntsville, AL increases car insurance rates. Compare Huntsville, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Huntsville, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,846
Farmers $4,172
GEICO $3,517
Liberty Mutual $5,160
Nationwide $3,502
Progressive $4,386
State Farm $5,036
Travelers $4,031
USAA $2,948

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Cheapest Huntsville, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Huntsville, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Huntsville, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,239 $3,239
Farmers $3,924 $3,924
GEICO $2,555 $2,645
Liberty Mutual $4,839 $4,839
Nationwide $2,752 $2,752
Progressive $4,506 $4,506
State Farm $4,968 $5,220
Travelers $3,146 $3,146
USAA $1,967 $2,155

Cheapest Huntsville, AL Car Insurance Rates by ZIP Code

Huntsville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Huntsville, AL.

Annual Car Insurance Rates by ZIP Code in Huntsville, Alabama

ZIP Code Average Annual Rates
35801 $3,601
35802 $3,616
35803 $3,642
35805 $3,705
35806 $3,611
35808 $3,746
35810 $3,735
35811 $3,634
35813 $3,644
35816 $3,725
35824 $3,627
35899 $3,697

The Best Cheap Car Insurance Companies in Huntsville, AL

Take a look at a side-by-side comparison of the top car insurance companies in Huntsville, AL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Huntsville, Alabama

Insurance Company Average Annual Rates
Allstate $3,239
Farmers $3,924
GEICO $2,600
Liberty Mutual $4,839
Nationwide $2,752
Progressive $4,506
State Farm $5,094
Travelers $3,146
USAA $2,061

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Category Winners: Cheapest Car Insurance in Huntsville, Alabama

Find the cheapest car insurance companies in Huntsville, AL for each category right here.

Best Annual Car Insurance Rates by Company in Huntsville, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Huntsville, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Huntsville car insurance rates. Find the cheapest Huntsville, AL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Huntsville, Alabama

Insurance Company Low Medium High
Allstate $3,118 $3,233 $3,366
Farmers $3,689 $3,869 $4,215
GEICO $2,370 $2,588 $2,842
Liberty Mutual $4,611 $4,816 $5,091
Nationwide $2,732 $2,730 $2,794
Progressive $4,047 $4,488 $4,983
State Farm $4,781 $5,088 $5,412
Travelers $2,980 $3,208 $3,250
USAA $1,984 $2,050 $2,149

What affects car insurance rates in Huntsville, Alabama?

What factors can have an impact on Huntsville, AL car insurance? There are several reasons why Huntsville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Huntsville, Alabama.

Commute Time in Huntsville

The more time you spend in your car the higher the risk of an accident. The average commute length in Huntsville, AL is 19.2 minutes according to City-Data.

Traffic in Huntsville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Huntsville, AL traffic data from INRIX ranks Huntsville as the 819th-most congested in the world.

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Compare Car Insurance Quotes in Huntsville, AL

Ready to find affordable Huntsville, Alabama car insurance today? Enter your ZIP code for fast, free Huntsville, AL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State