Best Cheap Auto Insurance in Huntsville, AL (2021)

Huntsville, AL auto insurance rates are $3,601/yr. The cheapest auto insurance company in Huntsville, Alabama, is USAA. However, Huntsville, AL auto insurance quotes vary for each person. Huntsville, AL car insurance must meet the Alabama minimum requirements with coverage levels of 25/50/25 for liability. Compare Huntsville, AL auto insurance online to find the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • On average, Huntsville, AL auto insurance rates are $3,601/yr
  • The cheapest auto insurance company in Huntsville, AL, is USAA
  • Age, credit, and driving history are the most significant factors

Huntsville, AL auto insurance rates are $3,601 per month, which is $34 more expensive than the Alabama auto insurance average and $331 cheaper than the national average.

You can save on Huntsville, AL auto insurance quotes by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap auto insurance in Huntsville, Alabama, for every age, credit history, and driving record.

Monthly Huntsville, AL Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Huntsville, AL auto insurance rates by ZIP Code below:

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

What city you reside in will impact your car insurance. That’s why it’s essential to compare Huntsville, AL against other top US metro areas’ auto insurance costs.

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Ready to find affordable Huntsville, AL auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Huntsville, AL?

The cheapest auto insurance company in Huntsville, based on average rates, is USAA.

The cheapest Huntsville, AL car insurance providers can be found below. You also might be wondering, “How do those Huntsville, AL rates compare against the average Alabama car insurance company rates?” We uncover that too.

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The best auto insurance companies in Huntsville, ranked from cheapest to most expensive, are:

  • USAA – $2,061
  • GEICO – $2,600
  • Nationwide – $2,752
  • Travelers – $3,146
  • Allstate – $3,239
  • Farmers – $3,924
  • Progressive – $4,506
  • Liberty Mutual – $4,839
  • State Farm – $5,094

USAA may be the cheapest company, but USAA is only available to people in the military or people who are in the immediate family of someone in the military.

Farmers, Progressive, Liberty Mutual, and State Farm, are the only companies on the list with higher than average car insurance rates.

There are a lot of factors that determine your auto insurance rates. The cheapest company for you depends on age, gender, driving record, credit score, and coverage level.

Bundling motorcycle, home, and other property insurance options can save you money on auto insurance.

Even marital status can affect your car insurance rates per month. But what other factors can affect insurance? Continue reading to learn more.

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

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

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

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

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

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Age is a significant factor for Huntsville, AL car insurance rates. Young drivers are often considered high-risk. This Huntsville, Alabama does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Huntsville, AL.

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What are the auto insurance requirements in Huntsville, AL?

All Huntsville drivers have to meet the Alabama state law minimum requirements for auto insurance.

In Alabama, you have to carry at least:

  • $25,000 per person for bodily injury liability
  • $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

Alabama is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

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What affects auto insurance rates in Huntsville, AL?

While auto insurance is more expensive for younger drivers and drivers with violations on their record, other factors determine auto insurance.

Auto insurance companies consider how much you drive your vehicle and your city’s theft rates.

According to City-Data, Huntsville’s average commute time is 18 minutes, which is seven minutes faster than the national average.

Auto insurance in Huntsville would be cheaper because the average driver in Huntsville doesn’t drive as much as other motorists in the United States.

What about thefts? Usually, we’d provide car theft statistics, but Alabama hasn’t participated in crime data statistics since 2018.

Huntsville, AL weather may also be a factor. Huntsville is known for its encounters with tropical storms, flooding, and tornadoes.

But adding comprehensive coverage can help you avoid out-of-pocket costs from damage from unpredictable weather.

Huntsville, AL Auto Insurance: The Bottom Line

Huntsville, AL auto insurance is less expensive than the national average. Therefore, you’ll likely find cheaper car insurance. If you’re between 16 and 24 years old, you could pay twice as much for car insurance.

The best way to secure cheap Huntsville, AL auto insurance is through auto insurance discounts. If you don’t qualify for savings, keep shopping around until you can get an affordable policy.

Before you buy Huntsville, AL auto insurance, be sure you’ve checked out rates with multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.

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

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