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.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 14, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Monthly Huntsville, AL Car Insurance Rates by ZIP Code

Find more info about the monthly Huntsville, AL auto insurance rates by ZIP Code below:

View as image

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Huntsville, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Huntsville, AL against other top US metro areas’ auto insurance rates.

View as image

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.

The cheapest Huntsville, AL car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Alabama car insurance company rates?” We cover that as well.

View as image

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.

Huntsville, Alabama car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

View as image

Your coverage level will play a major role in your Huntsville, AL car insurance rates. Find the cheapest Huntsville, Alabama car insurance rates by coverage level below:

View as image

Your credit score will play a major role in your Huntsville, AL car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Huntsville, Alabama car insurance rates by credit score below.

View as image

Your driving record will affect your Huntsville car insurance rates. For example, a Huntsville, Alabama DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Huntsville, Alabama car insurance rates by driving record.

View as image

Factors affecting car insurance rates in Huntsville, AL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Huntsville, Alabama car insurance.

View as image

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Huntsville. AL does use gender, so check out the average monthly car insurance rates by age and gender in Huntsville, AL.

View as image

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Monthly Huntsville, AL Car Insurance Rates by ZIP Code
Huntsville, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Huntsville, AL Car Insurance Rates by Company vs. City Average
Huntsville, AL Car Insurance Rates by Company and Age
The Cheapest Huntsville, AL Car Insurance Rates by Coverage Level
The Cheapest Huntsville, AL Car Insurance Rates by Credit Score
The Cheapest Huntsville, AL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Huntsville, AL
Average Monthly Car Insurance Rates by Age & Gender in Huntsville, AL
Monthly Huntsville, AL Car Insurance Rates by ZIP Code
Huntsville, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Huntsville, AL Car Insurance Rates by Company vs. City Average
Huntsville, AL Car Insurance Rates by Company and Age
The Cheapest Huntsville, AL Car Insurance Rates by Coverage Level
The Cheapest Huntsville, AL Car Insurance Rates by Credit Score
The Cheapest Huntsville, AL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Huntsville, AL
Average Monthly Car Insurance Rates by Age & Gender in Huntsville, AL