Cheap Car Insurance in Huntsville, AL, Starting at $36 (2024)

In Huntsville, car insurance averages $66 per month for full coverage and $64 for liability-only policies, according to Insurify data. Compared to the Alabama state averages of $160 and $60, respectively, Huntsville drivers pay less for car insurance.

The Rocket City's lower population density is likely a factor in its cheaper car insurance rates. Fewer vehicles on the road and less traffic congestion typically means fewer accidents and car insurance claims. Huntsville drivers can save even more by comparing car insurance rates from multiple companies.

3 of the cheapest car insurance companies in Huntsville

To find the best car insurance in Huntsville, consider your budget, driving record, and car insurance needs. It’s a good idea to compare multiple car insurance companies at the same time to find the one that offers the coverage you need at a price you can afford. Your car insurance rates will depend on multiple factors, including your driving record, age, gender, and credit.

Here are a few of the best car insurance companies in Huntsville to start your search with.

Best insurer for liability insurance: Auto-Owners

Best insurer for full coverage: COUNTRY Financial

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Huntsville

Car insurance companies offer different rates to drivers, making it important to do your research and compare your options. With these tips, you can lock in the lowest premiums and the right auto insurance coverage for your needs in Huntsville:

• Shop around. Get quotes from at least three different companies at the same coverage level to find the best deal for your unique needs. Don’t forget to compare premiums, coverage options, and company reputations.

• Look for discounts. Most car insurance companies offer discounts for various reasons. A few examples include the anti-theft device discount, multi-car discount, and good student discount. You can work with an insurance agent or visit an insurer’s website to learn more about discounts.

• Bundle insurance. If you pair your car insurance with homeowners insurance, renters insurance, or another policy, you may be able to save some money on your monthly premiums.

• Consider pay-per-mile insurance. Pay-per-mile insurance is worth exploring if you drive fewer than 10,000 miles per year and are on the lookout for the best rate. You’ll only pay for the miles you drive.

Cheapest liability-only car insurance in Huntsville: Auto-Owners

Per Alabama law, you must purchase liability car insurance to drive legally in Huntsville. This type of bare-bones coverage covers the cost of the other party’s property damage and injuries in an at-fault accident. Because it’s a bare-minimum insurance policy, it’s often the cheapest insurance you can buy. It's usually best for drivers who aren't financing, and who own an older, less-expensive vehicle.

Here’s a look at the cheapest car insurance companies for liability-only coverage in Huntsville.

Cheapest full-coverage car insurance in Huntsville: Auto-Owners

Full-coverage car insurance typically includes liability, collision, and comprehensive coverages. It’s usually optional but can be worthwhile if you’d like additional protection for vehicle damages. But your lender may require it if you have a loan or lease on your vehicle. It can also include coverages for injuries you sustain in an accident, even if you’re at fault.

The table below shows the cheapest full-coverage car insurance companies in Huntsville.

Car insurance requirements in Alabama

Alabama is an at-fault, or tort, state. This means that at-fault drivers in a car accident are responsible for the other drivers’ and parties’ damages and injuries. Alabama also follows the contributory negligence rule, so if you’re partly at fault for an accident, you might not be able to recover damages. Drivers must also show proof of insurance while driving to avoid consequences.

Here are Alabama’s minimum car insurance requirements:

While you can purchase liability-only insurance and drive legally, this type of auto insurance policy may not provide enough coverage for various situations. These optional coverages can provide additional protection for Huntsville drivers:

• 

  Comprehensive coverage

  Comprehensive coverage protects you financially if your car sustains damage from an incident other than a collision, like theft, falling objects, severe weather, or vandalism.

• 

  Collision coverage

  Collision coverage pays for vehicle repairs and applies if you hit a stationary object or another vehicle, even if you’re at fault.

• 

  Uninsured/underinsured motorist coverage

  Uninsured and underinsured motorist coverage can cover your expenses if a driver without car insurance or with insufficient coverage hits you.

• 

  Medical payments coverage

  Medical payments insurance is similar to personal injury protection (PIP) coverage and pays for medical expenses and funeral costs, regardless of fault.

• 

  Roadside assistance coverage

  Roadside assistance pays for emergency services, like jump-starts and fuel delivery.

Cheapest car insurance for Huntsville drivers with an incident

Incidents in your driving record — like at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions — may result in higher car insurance rates. Car insurance companies consider people with these types of incidents as high-risk drivers and charge higher premiums as a result. Huntsville drivers with clean records often have the cheapest rates.

Here are the cheapest car insurance companies in Huntsville, based on driving history.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding is one of the top causes of traffic fatalities in Alabama, as it can make it difficult for drivers to make smart last-second decisions. Because speeding is a high-risk behavior, insurance companies charge higher rates to drivers with speeding tickets, even if they didn’t cause an accident.

In Huntsville, drivers with speeding tickets see higher-than-average monthly insurance rates of $234 for full coverage and $102. The table below shows the cheapest car insurance companies in Huntsville offering minimum coverage for drivers with a speeding ticket on their records.

Cheapest car insurance for drivers with an at-fault accident: USAA

In 2022, a traffic accident occurred every 3 minutes and 38 seconds in Alabama.^[1] If you cause an accident in Huntsville, your car insurance rates will increase because insurers consider people who cause accidents as riskier drivers.

An at-fault accident pushes the average cost of car insurance in Huntsville to $242 per month for full coverage and $105 for liability-only policies. Here’s a look at the cheapest auto insurance companies for Huntsville drivers with at-fault accidents on their records.

Cheapest car insurance for drivers with a DUI: USAA

In 2022, Alabama reported 197 deaths in 6,751 crashes with suspected drug or alcohol impairment.^[1] A DUI conviction in Huntsville usually leads to fines, jail time, and a license suspension. You may also need to file an SR-22 insurance form, and insurers may charge higher car insurance premiums or not renew your policy when the policy term ends. This means it’s crucial to find affordable car insurance after a DUI conviction in Huntsville.

Huntsville drivers with DUIs face average monthly car insurance rates of $271 for full coverage and $118 for minimum coverage. The table below shows the cheapest car insurance companies for drivers with a DUI in Huntsville.

Cheapest car insurance for Huntsville seniors: State Farm

Although seniors generally pay the lowest rates of any age group, their car insurance costs increase slightly around age 70. That's because seniors have a higher risk of getting into an accident or being seriously injured in an accident.

The average monthly cost of car insurance for Huntsville seniors is $107 for full coverage and $47 for liability only. Here are the cheapest car insurance companies for senior drivers in Huntsville.

Cheapest car insurance for Huntsville teens: COUNTRY Financial

Compared to older drivers, teen drivers have less experience on the road, a higher risk of accidents, and are more likely to engage in risky driving behaviors like distracted driving. For this reason, car insurance companies typically charge higher premiums to teen drivers and young adults.

Teen drivers in Huntsville see average monthly car insurance rates of $273 for full coverage and $119 for minimum coverage. Here’s a look at the average monthly car insurance quotes for teens and young drivers in Huntsville.

Huntsville car insurance quotes by credit tier

Car insurance companies consider drivers with good to excellent credit to have a lower risk of filing a claim than drivers with poor credit. This is why some car insurers consider credit scores when setting rates.

While some states don’t allow insurers to use credit-based insurance scores to set premiums, Alabama permits it. Here’s how credit scores affect average car insurance rates in Huntsville.

Is car insurance more expensive in Huntsville?

Car insurance rates for Huntsville drivers are slightly more expensive than the national average but slightly less expensive than the state average. Keep in mind that premiums can vary by ZIP code and city within Alabama due to factors like population, crime rates, weather conditions, and the number of uninsured drivers.

Average monthly quotes are cheaper in Huntsville than in other Alabama cities. Huntsville has slightly fewer people per square mile than Birmingham and Mobile, which can keep insurance costs low since insurers consider an area’s population when setting rates. Plus, Huntsville has cheaper premiums than Mobile, despite having more residents, possibly due to Mobile’s coastal location and history of hurricanes.

More cities in Alabama

The table below shows the average monthly quotes in other Alabama cities.

Huntsville car insurance FAQs

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

• Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
• Property damage limits between $10,000 and $50,000
• No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

• Comprehensive coverage with a $1,000 deductible
• Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

1. Alabama Department of Transportation. "2022 Crash Facts."
2. Nolo. "Alabama Car Accident Laws."
3. Alabama Department of Insurance. "Automobile Insurance FAQs."

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.