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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
Best Cheap Auto Insurance Provider - State Farm
Best for Minimum Coverage - State Farm
Best for Full Coverage - State Farm
Best for Young Drivers - Travelers
Best for Senior Drivers - Assurance America
Best for Motorists with Driving Violations - State Farm
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 |
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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 circ*mstances.
62
Quotes Analyzed
18
Brands Reviewed
25
Years of Industry Experience
30+
Hours of Research
Cheapest car insurance companies in Huntsville, Alabama
Doug Schaffer
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
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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
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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 |
Doug Schaffer
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
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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
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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 | $1,620 |
Travelers | $1,200 |
GEICO | $1,140 |
Doug Schaffer
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
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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
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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 reimbursem*nt
Cheapest Full Coverage Rates in Huntsville
Company | Average Rate Per Year |
State Farm | $930 |
Auto Owners | $950 |
GEICO | $964 |
Travelers | $934 |
Nationwide | $940 |
Doug Schaffer
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
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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
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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 | $454 |
Allstate | $700 |
Travelers | $450 |
GEICO | $495 |
Nationwide | $525 |
Doug Schaffer
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
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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 |
Doug Schaffer
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
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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
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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 | $305 |
20s | $180 |
30s | $125 |
40s | $110 |
50s | $108 |
60s | $100 |
70s | $120 |
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 |
35803 | $118 |
35805 | $124 |
35806 | $135 |
35810 | $134 |
35811 | $122 |
35816 | $132 |
35824 | $146 |
35896 | $90 |
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
- Insurance experts predict auto insurance rates to increase by 7 percent throughout Alabama, affecting cities such as Huntsville.
- State Farm could stop offering coverage for certain Kia and Hyundai vehicles due to increased circ*mstances of theft within the city
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
Looking For Car Insurance In Other Alabama Cities?
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- Cheapest Car Insurance In Montgomery, AL
- Cheapest Car Insurance In Tuscaloosa, AL
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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.