Car Insurance in Huntsville, Alabama: Everything You Need To Know (2024)

Car Insurance: Huntsville Rates vs. Alabama + National Averages
Huntsville Auto Insurance Costs by Insurer
Huntsville Auto Insurance Premiums by Driver Age
Huntsville Car Insurance Premiums by Gender and Marital Status
Average Huntsville Insurance Rates After a Violation or Accident
Huntsville Auto Insurance Premiums by Credit Tier
Expensive Huntsville Zip Codes
Cheaper Huntsville Zip Codes
Resources
List of Insurance Companies in Huntsville
No-Fault Insurance in Huntsville Information
Driving in Huntsville

Are you shopping for car insurance in Huntsville, AL? When you ask an auto insurance company for a quote, they will give you a personalized rate based on your residential zip code, desired coverage level, marital status, vehicle make and model, driving history, age, and other factors. Review this guide while you're searching to help you find affordable coverage rates.

Car Insurance: Huntsville Rates vs. Alabama + National Averages

The average driver who lives in Huntsville, Alabama, pays about $1431 for an annual auto insurance policy. According to the website MoneyGeek, that's below both the U.S. average rate of $1548 per year and the Alabama annual average of $1450.

QuoteWizard lists these average monthly premium prices for various Alabama cities, compared to the average monthly cost of $129 for coverage in Huntsville and $137 in the state:

Mobile: $134
Montgomery: $135
Tuscaloosa: $136
Birmingham: $152

Huntsville Auto Insurance Costs by Insurer

The Zebra reports that these insurance companies have the lowest average annual rates for Huntsville drivers:

Allstate: $1503
GEICO: $881
Progressive: $1564
Safeway: $1614
USAA: $892

MoneyGeek notes that while USAA offers the most affordable auto insurance rates in Huntsville, you must be a military member, veteran, or military immediate family member to qualify. Otherwise, the website recommends going with GEICO if you want to save about 119 percent on insurance compared to MetLife, the most expensive option on average.

MoneyGeek also lists these monthly average payment amounts by company for minimum and increased liability coverage in Huntsville:

ALFA: $608, $706
Allstate: $466, $505
Country Financial: $497, $567
Farmers Insurance: $549, $610
MetLife: $1123, $1184
Nationwide: $534, $602
Progressive: $575, $721
State Farm: $596, $698
Travelers Insurance: $521, $590
USAA: $299, $345

Huntsville Auto Insurance Premiums by Driver Age

The Zebra reports that Huntsville drivers in their 50s have the lowest annual auto insurance rates, paying an average of $1282. Drivers in their 60s pay a slightly higher average of $1310 for annual coverage.

Huntsville Car Insurance Premiums by Gender and Marital Status

If you are married, you will pay about $109 less for annual auto insurance than a single driver if you both live in Huntsville and have other similar characteristics. Widowed drivers in the city tend to pay more than both married and single drivers, according to The Zebra. Huntsville also has just a small gender gap in auto insurance cost, with men paying about $7 more annually than women do.

Average Huntsville Insurance Rates After a Violation or Accident

MoneyGeek reports that drivers pay these average annual insurance premiums in Huntsville after common auto violations:

Speeding ticket: $1657
At-fault accident: $1933 to $2068 depending on damage level
Reckless driving ticket: $2306
Driving under the influence conviction: $2343

These numbers represent policy costs of hundreds of dollars a year over the average cost for Huntsville drivers without violations.

Huntsville Auto Insurance Premiums by Credit Tier

According to The Zebra, drivers in Huntsville pay more for car insurance if they have below-average credit. Average annual rates by credit score in the city are:

Exceptional: $1143
Very Good: $1286
Good: $1431
Fair: $1767
Poor: $3114

Expensive Huntsville Zip Codes

WAAY 31 ABC news reports that residents of these zip codes in the Huntsville metro area pay the highest annual auto insurance rates on average:

Cheaper Huntsville Zip Codes

You have some of the lowest annual auto insurance rates in Huntsville on average if you live in one of these zip codes:

35640 - $1240
35674 - $1239
35646 - $1239
35677 - $1236
35616 - $1228
35630 - $1227
35634 - $1226
35661 - $1224
35633 - $1222
35660 - $1221

List of Insurance Companies in Huntsville

According to MoneyGeek, the most affordable auto insurance companies in Huntsville include State Farm, Progressive, Country Financial, Farmers Insurance, Travelers Insurance, Allstate, GEICO, USAA, MetLife, Nationwide, and ALFA.

No-Fault Insurance in Huntsville Information

QuoteWizard notes that Alabama drivers must carry at least these liability insurance limits:

$25,000 per accident for property damage
$25,000 per person for bodily injury
$50,000 per accident for bodily injury

Driving in Huntsville

If you're new to Huntsville or just new to driving here, these are some key facts you should know as a motorist in the city:

Huntsville highways received an overhaul between 2014 and 2019 under the city's nearly $400 million Restore Our Roads project. The initiative covers dozens of major infrastructure upgrades.
Huntsville has five historic districts you can drive through to feel like you've traveled back in time. You'll see buildings that date to the early 1800s.
The city has 57 parks within its limits, so you'll never experience a shortage of green space. Fun community festivals take place in Huntsville all year long.

When buying car insurance in Huntsville, Alabama, don't forget to look for discounts that can lower your rate. Examples include discounts for senior drivers, military members and veterans, drivers who have completed a defensive driving class, vehicles with anti-theft and safety features, and multiple policies from the same insurance company.

Sources:

https://www.thezebra.com/auto-insurance/alabama-car-insurance/huntsville-al-car-insurance/

https://www.moneygeek.com/insurance/auto/best-cheap-car-insurance-huntsville-al/

https://quotewizard.com/auto-insurance/huntsville-alabama

https://www.waaytv.com/content/news/Car-insurance-rates-are-on-the-rise--476596543.html

https://www.caranddriver.com/insurance/

https://www.caranddriver.com/car-insurance/a31713619/how-much-is-car-insurance-for-a-19-year-old/