Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Huntsville, AL
We monitor insurance prices, helping the average driver in Huntsville save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Huntsville
The chart below shows the cheapest car insurance company in Huntsville for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Huntsville Insurer | Monthly Cost |
|---|---|
| Travelers | $70 |
| Gainsco | $73 |
| State Farm | $76 |
| Safe Auto | $77 |
Savings for Every Kind of Huntsville Driver
Based on our extensive insurance data, we know the average Huntsville driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $390 per year by choosing the right vehicle insurance company. Some Huntsville residents are paying out over $1,574 extra every year for auto insurance in Huntsville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Huntsville, AL Savings / Yr. |
|---|---|
$390 |
|
$530 |
|
$497 |
|
$564 |
|
$1,224 |
|
$68 |
|
$333 |
Huntsville Car Insurance vs. Alabama
People living in Huntsville pay an average of 1.78% less than the typical driver in the state. The average driver in Huntsville can expect to pay about $1,039 per year, or $1,574 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Huntsville for most people.
Car Insurance Prices by Huntsville Neighborhood
Insurance Prices
Where is insurance cheapest within Huntsville?
The map shows insurance prices in and around Huntsville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $491 per year within the city boundaries, with insurance premiums ranging from a high of $1,928 to a low of $1,437. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Huntsville.Pick the Best Car Insurance Company for You in Huntsville
The best car insurance provider for most drivers in Huntsville
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $390 over the average Huntsville car insurance company.
The best car insurance provider for Huntsville drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $530 over the competition.
The best car insurance company for Huntsville drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $497 better than other car insurance companies.
The best auto insurance for Huntsville drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $564 less each year.
The least expensive car insurance company for new and young drivers in Huntsville
In Huntsville, Travelers costs young drivers $1,224 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Huntsville
State Farm gave the largest car insurance discounts to married couples, averaging $68 saved each year compared to an average Huntsville couple's premiums.
The cheapest car insurance in Huntsville for drivers with bad credit
The best Huntsville car insurance company for customer service
Nationwide was the best company for customer service in Huntsville according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Huntsville, which was better than other insurers.
The cheapest large national provider in Huntsville
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Huntsville driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Huntsville, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Huntsville
What Influences the Cost of Car Insurance in Huntsville?
On average, car insurance in Huntsville is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Huntsville is 23 minutes, which is far less than average for a driver in the state.
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Huntsville are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Huntsville is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Huntsville is $87 per month for minimum coverage and $131 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Redstone Arsenal: Insurance costs 1.46% less
- Brownsboro: Insurance costs 4.83% less
- Willowbrook: Insurance costs 7.88% less
- Owens Cross Roads: Insurance costs 5.84% less
- Madison: Insurance costs 0.64% more
- Moores Mill: Insurance costs 2.60% less
- Meridianville: Insurance costs 0.38% less
- Gurley: Insurance costs 2.99% less
- Harvest: Insurance costs 3.30% more
- Maysville: Insurance costs 4.70% less
Cities with Similar Populations
- Walnut Creek: Insurance costs 31.00% more
- Tuscaloosa: Insurance costs 1.65% more
- Wake Forest: Insurance costs 18.42% less
- Upland: Insurance costs 39.83% more
- Victoria: Insurance costs 6.29% more
- Tyler: Insurance costs 7.75% more
- Van Nuys: Insurance costs 70.14% more
- Valparaiso: Insurance costs 24.52% less
- Union City: Insurance costs 35.64% more
- Visalia: Insurance costs 26.87% more