Compare Huntsville, AL Car Insurance Rates (2021)

The cheapest Huntsville, AL car insurance is offered by GEICO, although rates will vary by driver. Auto insurance in Huntsville, AL must at least meet the state requirements of 25/50/25 in liability coverage, but drivers are encouraged to have higher limits. Compare quotes below to find the best Huntsville, AL car insurance near you.

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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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Founder & CFP®

UPDATED: Mar 23, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance in Huntsville, AL
  • Car insurance rates in Huntsville are below the state and national averages
  • Alabama ranks sixth in the nation for the number of uninsured drivers

Hunstville, AL car insurance rates are below the state and national averages. That’s not surprising considering Alabama car insurance is also below the national average.

You still want to find the most affordable Huntsville, AL car insurance so shop around and compare quotes for the best deal.

Enter your ZIP code now to compare Huntsville, AL car insurance rates from local companies.

What is the cheapest car insurance company in Huntsville, AL?

Although USAA is actually the cheapest car insurance company in Hunstville, it only offers coverage to the military, veterans, and their families. GEICO is the cheapest company that offers coverage to all drivers in Huntsville.

These are the top-rated Huntsville, AL car insurance companies listed from least to most expensive:

  • USAA – $2,060.84
  • GEICO – $2,600.14
  • Nationwide – $2,752.10
  • Travelers – $3,145.98
  • Allstate – $3,238.73
  • Farmers – $3,924.23
  • Progressive – $4,506.29
  • Liberty Mutual – $4,839.46
  • State Farm – $5,093.78

These are average rates, but there are many factors used to calculate your individual rates. Factors affecting car insurance rates are your age, gender, marital status, ZIP code, driving record, and credit history.

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What car insurance coverage is required in Huntsville, AL?

Most states require at least a minimum amount of car insurance. Alabama is no different.

The minimum auto insurance coverage that drivers in Huntsville, AL must carry are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

However, with the rising cost of healthcare and automobiles, it would be wise for drivers to consider increasing these limits. In the event of a serious accident, these low limits would be exhausted quickly.

Also, the high rate of uninsured motorists in Alabama affects the cost of car insurance. Alabama ranks sixth in the nation for uninsured drivers. Driving without auto insurance leads to possible fines. driver’s license suspension, and jail time.

What affects car insurance rates in Huntsville, AL?

Traffic and theft can also affect your car insurance rates in Huntsville. A high volume of traffic can mean more accidents and higher rates.

INRIX ranks Huntsville, AL as the 174th most congested city in the U.S. This means congestion and traffic accidents aren’t too bad.

In fact, City-Data reports that most drivers in Huntsville spend around 25 minutes commuting, and most prefer to make their commute alone.

Auto theft can also increase your car insurance costs. According to the FBI, there were 1,046 motor vehicle thefts in one year in Huntsville. That’s about one theft for every 187 people.

Huntsville, AL Car Insurance: The Bottom Line

Although car insurance rates are below average, you should still shop around before you buy Huntsville, AL car insurance. Compare rates from multiple companies to find the best coverage at the cheapest price.

Enter your ZIP code now to compare Huntsville, AL car insurance quotes.

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