Cheap Quotes for Huntsville, AL Car Insurance (2021)

Huntsville, Alabama car insurance rates average $298 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Huntsville, AL companies, you can find cheap Huntsville car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Huntsville, AL are $298/month
  • The cheapest car insurance company in Huntsville is USAA
  • Huntsville has an average commute time of 19.2 minutes

How do the Huntsville, Alabama monthly average car insurance rates of $298/month compare to nearby cities like Madison car insurance rates, Birmingham car insurance rates, and Hoover car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Huntsville, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Huntsville, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Huntsville, Alabama companies to find the most affordable Huntsville car insurance rates.

Enter your ZIP code above to find cheap Huntsville, AL car insurance quotes today.

What are the minimum Huntsville, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Huntsville, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Huntsville, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Huntsville, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Huntsville, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Huntsville, Alabama

ZIP Code Average Annual Rates
35801 $3,601
35802 $3,616
35803 $3,642
35805 $3,705
35806 $3,611
35808 $3,746
35810 $3,735
35811 $3,634
35813 $3,644
35816 $3,725
35824 $3,627
35899 $3,697

How do age, gender, and marital status affect Huntsville, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Huntsville, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Huntsville car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Huntsville, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,947 $1,856 $1,769 $1,803 $6,817 $7,341 $2,168 $2,210
Farmers $2,234 $2,219 $1,995 $2,123 $8,712 $8,970 $2,527 $2,614
GEICO $1,849 $1,840 $1,782 $1,858 $4,928 $4,801 $1,952 $1,791
Liberty Mutual $2,796 $3,017 $2,300 $2,570 $10,388 $11,540 $2,964 $3,141
Nationwide $1,784 $1,804 $1,628 $1,682 $4,780 $6,140 $1,984 $2,215
Progressive $2,383 $2,223 $1,963 $2,090 $10,205 $11,388 $2,798 $3,000
State Farm $3,051 $3,051 $2,790 $2,790 $9,611 $12,015 $3,455 $3,988
Travelers $1,265 $1,282 $1,199 $1,193 $6,876 $10,801 $1,201 $1,351
USAA $1,279 $1,292 $1,196 $1,165 $3,850 $4,257 $1,660 $1,786

How much do teen drivers pay for car insurance in Huntsville, AL?

Huntsville, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Huntsville car insurance rates from multiple Huntsville, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Huntsville, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,817 $7,341
Farmers $8,712 $8,970
GEICO $4,928 $4,801
Liberty Mutual $10,388 $11,540
Nationwide $4,780 $6,140
Progressive $10,205 $11,388
State Farm $9,611 $12,015
Travelers $6,876 $10,801
USAA $3,850 $4,257

How much do senior drivers pay for car insurance in Huntsville, AL?

With a little research, seniors can find affordable car insurance in Huntsville, Alabama. Here’s a look at how the top Huntsville car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Huntsville, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,769 $1,803
Farmers $1,995 $2,123
GEICO $1,782 $1,858
Liberty Mutual $2,300 $2,570
Nationwide $1,628 $1,682
Progressive $1,963 $2,090
State Farm $2,790 $2,790
Travelers $1,199 $1,193
USAA $1,196 $1,165

How does coverage level affect Huntsville, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Huntsville, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Huntsville, Alabama

Insurance Company Low Medium High
Allstate $3,118 $3,233 $3,366
Farmers $3,689 $3,869 $4,215
GEICO $2,370 $2,588 $2,842
Liberty Mutual $4,611 $4,816 $5,091
Nationwide $2,732 $2,730 $2,794
Progressive $4,047 $4,488 $4,983
State Farm $4,781 $5,088 $5,412
Travelers $2,980 $3,208 $3,250
USAA $1,984 $2,050 $2,149

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How does your driving record affect Huntsville, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Huntsville, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Huntsville, Alabama companies.

Annual Huntsville, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,753 $3,245 $3,846 $3,110
Farmers $3,305 $4,276 $4,172 $3,945
GEICO $1,743 $2,828 $3,517 $2,313
Liberty Mutual $3,796 $5,291 $5,160 $5,111
Nationwide $2,409 $2,409 $3,502 $2,688
Progressive $4,058 $5,136 $4,386 $4,446
State Farm $4,571 $5,732 $5,036 $5,036
Travelers $2,621 $2,748 $4,031 $3,184
USAA $1,586 $1,995 $2,948 $1,715

How does a DUI affect Huntsville, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Huntsville, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Huntsville, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,846
Farmers $4,172
GEICO $3,517
Liberty Mutual $5,160
Nationwide $3,502
Progressive $4,386
State Farm $5,036
Travelers $4,031
USAA $2,948

How does your credit history affect Huntsville, AL car insurance rates?

Take a look at the data here to see how your Huntsville, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Huntsville, Alabama

Insurance Company Poor Fair Good
Allstate $4,000 $3,145 $2,571
Farmers $4,395 $3,787 $3,590
GEICO $3,306 $2,360 $2,135
Liberty Mutual $6,908 $4,262 $3,348
Nationwide $3,318 $2,592 $2,346
Progressive $5,059 $4,368 $4,093
State Farm $8,259 $4,181 $2,841
Travelers $3,427 $2,977 $3,034
USAA $2,762 $1,806 $1,614

How does your commute affect Huntsville, AL car insurance rates?

Huntsville, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Huntsville if you’re financing.

Annual Car Insurance Rates by Commute Length in Huntsville, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,239 $3,239
Farmers $3,924 $3,924
GEICO $2,555 $2,645
Liberty Mutual $4,839 $4,839
Nationwide $2,752 $2,752
Progressive $4,506 $4,506
State Farm $4,968 $5,220
Travelers $3,146 $3,146
USAA $1,967 $2,155

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Who has the cheapest Huntsville, AL car insurance rates?

Here’s a breakdown of Huntsville, Alabama car insurance rates by company. You can see which company offers the cheapest Huntsville car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Huntsville, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

What are the top Huntsville, AL car insurance companies?

Which Huntsville, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Huntsville companies to find the one for you.

Average Annual Car Insurance Rates by Company in Huntsville, Alabama

Insurance Company Average Annual Rates
Allstate $3,239
Farmers $3,924
GEICO $2,600
Liberty Mutual $4,839
Nationwide $2,752
Progressive $4,506
State Farm $5,094
Travelers $3,146
USAA $2,061

What factors affect Huntsville, AL car insurance rates?

Why are Huntsville, Alabama car insurance rates different than rates in Madison or Birmingham? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Huntsville, AL?

More time spent behind the wheel can lead to higher Huntsville, Alabama car insurance rates. In Huntsville, AL, the average commute length is 19.2 minutes.

What is the traffic like in Huntsville, AL

Like commute length, time spent in traffic also increase risk of accidents. Huntsville, AL is listed as 819th in INRIX congested cities data.

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Car Insurance Quotes for Huntsville, AL

Shop for affordable Huntsville, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Huntsville, AL car insurance companies.

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