Cheapest car insurance quotes in Huntsville, AL

Our analysis concludes that State Farm offer the cheapest car insurance in Huntsville.

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Updated: 01 February 2024
Written by
Doug Schaffer
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We analyzed 60 quotes from the top insurance carriers on the market and found that State Farm were the cheapest provider for drivers in Huntsville, Alabama. State Farm had the cheapest rates for minimum coverage, full coverage, and for drivers with violations, however, there are also many other insurers on the market also offering fantastic coverage at affordable rates.

During our research, we found Travelers Insurance to be the cheapest provider for young drivers whereas Assurance America was the most affordable for senior motorists. We also found that motorists with poor credit can find the most affordable rates with Nationwide. Lastly, USAA were the no.1 choice for both active military members as well as veterans.

Over the last five years, Huntsville, Alabama has seen huge growth in the private sector, with many people moving to the city for work. When looking for an insurance policy, it’s important to understand the city’s average rates so that you can compare them with other regions.

The average monthly payment for an auto insurance policy in Huntsville is $121, whereas the average for the whole of Alabama is only $135 per month. Huntsville’s average insurance rates may be much higher than other parts of Alabama, however, there are still routes that you can take to find yourself a cheaper policy.

In this analysis, we aim to uncover the cheapest car insurance providers and explore how different criterion, including age, driving record, and credit, can have a significant impact on your monthly payments.

Cheapest and best car insurance in Huntsville, AL 2024

Cheapest Car Insurance, Huntsville 2024

Compare the cheapest car insurance companies in Huntsville, AL

Overall Rating Best For JD Power Rating Average Annual Cost AM Best Rating Get A Quote
State Farm
4.9

Affordable Coverage

842

$876

A++

Instant Quote
Travelers Insurance
4.6

Young Drivers

829

$2,278

A++

Instant Quote
Assurance America
4.2

Senior Drivers

N/A

$1,008

N/A

Instant Quote
State Farm
4.9

Driving Violations

842

$1,067

A++

Instant Quote
State Farm
4.9

Full Coverage

842

$904

A++

Instant Quote
State Farm
4.9

Minimum Coverage

842

$464

A++

Instant Quote
Scroll to see comparisons

Our Methodology

On our journey to finding the least expensive insurance rates in Huntsville, we reviewed various findings taken from multiple car insurance review sites, some of which analyzed rates from public filings taken from Quadrant Information Services. Additionally, our team’s combined twenty-five years of experience working within the field has also played an important role in our research. Please note that although the rates in this review are accurate, rates change daily and fluctuate based on a person’s circumstances.

62

Quotes Analyzed

18

Brands Reviewed

25

Years of Industry Experience

30+

Hours of Research

Cheapest car insurance companies in Huntsville, Alabama


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

When the time comes to buy an insurance policy, you want to choose a provider that’s as affordable as it is reliable — which is precisely what you get with State Farm.

As part of this analysis, we found that State Farm consistently stood out from other carriers in almost every category that we looked at. Their cheaper monthly rates and stellar reputation for their customer service make them a top choice for the people of Huntsville looking for the best and cheapest car insurance plan.

Benefits & Drawbacks

Benefits
  • Solid reputation for customer service
  • Average annual rates below the national average
  • Many motorists continue to renew their policies with State Farm
Drawbacks
  • Not as affordable for drivers with poor credit
  • Gap insurance not an option for policyholders

Cheapest Overall Rates in Huntsville

Company Average Rate Per Year
State Farm $876
Allstate $901
GEICO $1,224
Travelers $1,252
Nationwide $1,385

Cheapest for Motorists with Driving Violations

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

As we all know, accidents happen, and when they do – they often lead to an increase in insurance rates. However, many carriers, State Farm included, have a much more forgiving outlook on people with driving violations. While rates will be higher, State Farm is still the no.1 choice for people with a mark on their driving record.

State Farm surpassed more than 20 other insurers with their monthly rates for drivers with DUIs, speeding tickets, or at-fault accidents.

Their merciful rates and excellent customer service reviews make them the best option for motorists with a record that’s less than perfect.

Benefits & Drawbacks

Benefits
  • Large number of local agents available to offer support
  • Highly ranked on the J.D. Power rating system for customer support
  • Strong financial strength ratings as reported by AM Best
Drawbacks
  • Not as many customizable insurance options as other major insurers

Many motorists will most likely find themselves receiving a minor driving violation at some point, whether it’s for speeding on the way to work, or not stopping at a stop sign. These minor incidents will not have a huge impact on your rates, however, if you receive multiple violations in a short period then you may see your rates increase.

Other more serious incidents such as DUIs, at-fault accidents, or reckless driving are seen as major offenses. These major offenses will significantly impact your monthly rates due to the increased probability of risk.

The more reckless a person is when on the road, the higher the chances are of being involved in an accident, and thus more likely to submit a claim.

Cheapest Rates for Motorists with Driving Violations in Huntsville

Company Average Rate Per Year
State Farm $1,067
Nationwide $1,256
Farmers $1,285
Travelers $1,378
GEICO $1,695

Cheapest For Full Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

Having minimum coverage will save you cash in the short term; however, full comprehensive provides you and your vehicle with a better level of coverage. State Farm offers drivers the most affordable policies, with many carriers charging a much higher rate for additional protection.

When compared with other insurers, the difference between State Farm and the carrier ranking 5th was almost a staggering $500.

State Farm is a great option for motorists wanting an affordable, full coverage policy.

Benefits & Drawbacks

Benefits
  • A generous renewal discount available for customers, that’s above the industry average
  • Creative discount opportunities for motorists, such as usage-based insurance discount
  • Numerous discounts available for motorists who are focused on driving safely, education, and with multiple vehicles or policies
Drawbacks
  • Not all forms of coverage available, including gap insurance
  • Not as affordable for certain motorists, such as those with poor credit

Many motorists assume that a minimum coverage insurance policy covers all expenses in an accident with another vehicle or personal property. Minimum coverage usually only covers the other person involved, and their property — minimum coverage does not protect you or your vehicle.

A full comprehensive policy provides an additional layer of coverage, covering damage expenses related to your car.

A full comprehensive insurance plan tends to include the following protections:

  • Property damage liability
  • Bodily injury liability
  • Comprehensive and collision
  • Roadside assistance or rental car reimbursement

Cheapest Full Coverage Rates in Huntsville

Company Average Rate Per Year
State Farm $904
Auto Owners
$932
GEICO $1,224
Travelers $1,252
Nationwide $1,385

Cheapest For Minimum Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
9/10 Coverage Level

Why We Like Them

As with other categories covered in this guide, State Farm is the best and cheapest option for motorists in Huntsville looking for a minimum coverage insurance policy. Out of more than 60 companies reviewed by us, State Farm was one of three carriers offering annual rates below $1,000.

State Farm also scored well with their customer support ratings, financial strength from independent agencies, and their affordable insurance premium. All of these make State Farm a provider that’s suitable for every type of motorist, especially those seeking a full comprehensive insurance plan.

Benefits & Drawbacks

Benefits
  • Widely recognized for its industry-leading customer service and fantastic products
  • Motorists enjoy an extensive list of discounts based on their driving record, education, and usage
  • Strong financial ratings from independent agencies such as AM Best
Drawbacks
  • No option to purchase gap insurance

Drivers looking to purchase minimum coverage should be aware of the state’s legal limits. Be sure to check that the following are listed as part of your plan:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one accident
  • $25,000 maximum for property damage per accident

Drivers who do not maintain the minimums listed could face fines of up to $400 for multiple offenses.

Cheapest Minimum Coverage Rates in Huntsville

Company Average Rate Per Year
State Farm $464
Allstate $480
Travelers $592
GEICO $648
Nationwide $756

Cheapest For Young Drivers

Overall Rating
4.6

Key Statistics

8/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Travelers Insurance may not be the most affordable insurance carrier in every category; however, they are a great option for young drivers. Their rates are $200 less than the second-ranked insurance carrier, offering a range of add-on options such as rideshare coverage.

Travelers Insurance are also famous for their great customer service and have historically received few customer complaints, according to the National Association of Insurance Commissioners.

Benefits & Drawbacks

Benefits
  • Ranks as one of the top providers for customer support
  • Varied range of options and customizable plans
  • Drivers have access to accident forgiveness and minor violation forgiveness
Drawbacks
  • Costs for a typical insurance policy much higher than many other carriers
  • Bundling discounts lower than its competitors
  • Mobile application is outdated

Getting your driver’s license when you’re young can be both exciting and overwhelming at the same time. With a driver’s license and a motor comes a freedom not previously known, as well as the responsibility of managing a car on the road in a safe way.

Many young driver’s lack experience, which means most providers typically tend to up their rates due to the heightened risk that comes with inexperience.

As young motorists gain more experience over time, providers will collect more data on the driver and calculate a more accurate risk assessment, bearing in mind they keep a clean record. For many young drivers, this means your rates will decrease the older you get.

Cheapest Rates for Young Drivers in Huntsville

Company Average Rate Per Year
Travelers Insurance $2,278
Farmers $2,593
State Farm $3,072
Auto Owners $3,501
Progressive $3,214

Cheapest For Senior Drivers

Overall Rating
4.2

Key Statistics

7/10 Affordability
8/10 Customer Reviews
7/10 Payouts
7/10 Coverage Level

Why We Like Them

Assurance America are quite a small company in comparison to major providers such as GEICO, State Farm, or Nationwide. However, they a fantastic option for seniors living in Huntsville, Alabama due to their affordable rates.

Assurance America also have a fantastic support team committed to offering a customized experience for everyone. They have a user-friendly app that makes editing account information or looking up payment details simple.

Benefits & Drawbacks

Benefits
  • Offers coverage for drivers needing SR-22s
  • Personalized experience due to their dedicated customer support team
  • Easy-to-navigate mobile application enables quick access to account info
Drawbacks
  • Only available in limited states
  • Only offers basic coverage options for drivers

For older drivers, accessing account information can be challenging. With Assurance America, there are several ways of doing this, such as speaking with a representative. During our research, we found that many of their customers speak very highly of their hospitality and politeness.

Additionally, many senior motorists are on fixed incomes, meaning they need a plan that is affordable. Luckily, many insurance providers offer discounts to ensure costs are kept as low as possible for aging drivers.

Cheapest Rates for Senior Drivers in Huntsville

Company Average Rate Per Year
Assurance America $1,008
USAA $1,022
National General $1,069
Progressive $1,171

Average cost of car insurance in Huntsville, Alabama

Insurance Company Average Monthly Quote
State Farm $75
Auto Owners $78
GEICO $102
Travelers $104
Nationwide $116

Average cost in Huntsville – By Age

Age Group Average Monthly Rate
Teenagers $234
Under 25 $143
25-29 $104
30s $91
40s $89
50s $83
60s $85
70s $107

Average cost in Huntsville – By Gender

Gender Average Monthly Cost
Female $104
Male $107

Average cost in Huntsville – Marital Status

Marital Status Average Monthly Cost
Single $112
Married $104

Average cost in Huntsville – By Accident and Violation History

Violation/Incident Type Average Monthly Rate
Clean Record $104
Speeding Ticket $142
DUI/DWI $206
At-Fault Accident $151

Average cost in Huntsville – By Credit Tier

Credit Tier Average Monthly Rate
Excellent $80
Good $89
Fair $106
Poor $129

Average cost in Huntsville – By Zip Code

Zip Code Average Monthly Cost
35806 $115
35757 $79
35803 $117
35649 $187
35810 $109
35802 $117
35896 $152
35816 $118

Minimum car insurance requirements in Alabama

Every state has its own requirements when it comes to a driver’s minimum insurance and operating a vehicle legally. For motorists residing in Alabama, the minimum insurance requirements are as follows:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one accident
  • $25,000 maximum for property damage per accident

While many carriers include these coverage amounts in their standard insurance plan, it’s still recommended that you review the terms of your agreement prior to purchase.

How to buy car insurance in Huntsville

A lot of motorists think that buying insurance is a difficult and time-consuming process. However, finding a policy can be done within a matter of minutes when going through sites like Insuranceopedia, which also allows you to compare quotes.

Below are the steps you can expect to take when buying motor insurance in Huntsville.

Step 1: Gather Information

You can fill any information required as you go through the purchasing process, however, it’s much easier to collect all required details in advance. The most common types of information you’ll be asked for include:

  • Driving history for all drivers on the plan
  • Information about your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
  • Driver’s license numbers for all policy members
  • Name and birthdate of all policy members
  • Information on your current provider, if you’re switching to another carrier

Step 2: Understand Your Coverage Needs

For drivers in Huntsville, the state requires that each member on the policy carries insurance with the following minimums:

  • $25,000 bodily injury liability limit per person
  • $50,000 maximum for all bodily injuries to be paid for any one accident
  • $25,000 maximum for property damage per accident

Remember these numbers as you go through the final steps of purchasing an insurance plan. The state could issue you with a hefty fine for driving without appropriate insurance and minimum coverage.

Step 3: Select a Purchasing Method

Nowadays, a lot of people prefer to buy their car insurance online as it’s often the easiest way, plus it allows shoppers extra time to compare rates without the added pressure of speaking with an agent. However, there are still many benefits to buying insurance the old-fashioned way.

For example, working with an agent allows you to ask questions and receive answers instantly. Though many providers have a live chat feature on their website, you may have to wait a while for the answers you need in order to proceed.

Regardless of which method you prefer, choosing the provider offering the best policy for you is most important.

Step 4: Compare Insurance Policies

It’s often simpler to accept the first quote you receive. However, we recommend that you collect at least three samples from separate providers. By getting more quotes, you are then able to compare premiums and look into the types of discounts you qualify for from each provider.

Step 5: Purchase Your New Insurance Plan

The last step in purchasing a policy is buying. You’ll need to purchase your new policy and close any open ends at this stage.

For example, if you’re changing carriers, you will want to contact your previous provider and have them cancel your plan after your new insurance policy becomes active.

Factors that impact car insurance rates in Huntsville

Several factors are considered when a company is calculating your rates, such as your location.

The provider could deem your location to be higher risk depending on your zip code, or where you park your car. In these high-risk areas, car theft and vandalism are often more likely to take place, meaning rates tend to go up.

Along with your zip code, there are other factors that can impact the cost of your insurance policy, including:

  • Age
  • Gender
  • State Insurance Requirements
  • Driving Record
  • Vehicle Type
  • Average Annual Mileage
  • Credit History
  • Marital Status

Alabama car insurance laws

The most important car insurance law that motorists of Alabama must be aware of is that the minimum liability coverage is 25/50/25. Drivers must carry a plan with a minimum of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

While these plans are a great way of protecting other people on the road, a minimum liability coverage policy does not protect you or your vehicle. Therefore, you will need to add an extra insurance product to your policy, such as comprehensive or collision coverage.

In the news

Information about Huntsville

With a population of 216,963 (May 2023), Huntsville is the largest city in Alabama. As one of the most widely recognized cities in the Southeast, Huntsville has consistently been named as one of the best places to both live and work.

Space fanatics can stroll through NASA’s Marshall Space Flight Center, while art lovers can visit The Huntsville Museum of Art. Visitors can also enjoy a unique dining experience by eating in and old jail cell found at Main Street Café.

Car insurance discounts in Huntsville

When looking for the most affordable rates, drivers are encouraged to use discounts to help lower the costs of their car insurance. Below are some available discounts to look out for when purchasing your next plan:

  • Safe driver
  • Low mileage
  • Accident-free
  • Defensive driving
  • Good student
  • Student away
  • Senior
  • Military
  • Multi-policy
  • Multi-vehicle
  • Paid in full

FAQs

Why is Alabama car insurance so high?

Several factors can influence the average monthly car insurance payments of a state. For Alabama, the state average is higher than other areas of the country for two reasons — high number of incidents and increased number of uninsured drivers.

How much is car insurance in AL a month?

Many motorists can expect to pay an average of $135 per month for their insurance coverage in Alabama. However, factors including credit rating and driving record can impact the premium each driver is quoted.

Which company offers the cheapest car insurance in Huntsville, AL?

State Farm offers the cheapest insurance in Huntsville, AL, for many groups of drivers. Drivers can expect to pay around $876 annually for a State Farm policy,cheaper than the state average.

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