Huntsville, AL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Huntsville.
How much does car insurance cost in Huntsville?
The average cost of car insurance in Huntsville, Alabama, is $715 each six-months. That's cheaper than the average in Alabama ($725) and less expensive than the national average of $880. Our guide to Huntsville auto insurance includes average rates based on age, credit score, and other factors in Huntsville. Read on to learn more!
| Car insurance in Huntsville vs. Alabama | Average 6 Mo. Premium |
|---|---|
| Huntsville average | $715 |
| Alabama average | $725 |
The Zebra's key takeaways about car insurance in Huntsville:
- The average cost of a car insurance policy in Huntsville is $715 per six-month policy — $119 per month.
- The cheapest company in Huntsville is GEICO ($523).
- of Zebra customers in Huntsville stated they used our product because they were for car insurance with their current provider.
Are you paying too much for auto insurance?
Huntsville car insurance rates by company
One of the most important determinants of your car insurance rates is the auto insurer you work with. In Huntsville, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Huntsville below. You should only use this list as a starting point: it's important to view quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $440 |
| USAA | $446 |
| Allstate | $751 |
| Progressive | $782 |
| Safeway | $807 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Huntsville.
Huntsville car insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 34% of Huntsville drivers. The age bracket that pays the least for auto insurance in Huntsville consists of drivers in their 50s, who pay an average of $641 every six-months. Rates for Huntsville drivers in their 60s are also relatively affordable, at just $655 each six-months.
The Huntsville drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Huntsville and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Huntsville is $3,909. That's the biggest gap in premiums between any pair of age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teens | $2,981 |
| 20s | $1,027 |
| 30s | $704 |
| 40s | $682 |
| 50s | $641 |
| 60s | $655 |
| 70s | $783 |
Huntsville car insurance rates by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Huntsville drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 63% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Huntsville, moving into the "Fair" credit tier corresponds to an average of $1,346 in savings on insurance each year. Our data tells us 37% of drivers in Huntsville have a credit score of .Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,557 |
| Fair | $883 |
| Good | $715 |
| Very Good | $643 |
| Exceptional | $571 |
Huntsville car insurance costs by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Huntsville drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $875 per year versus the city average. A ticket for speeding results in a $227 rate hike, on average, while a DUI violation costs $912 per year in insurance premiums.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,171 |
| Reckless Driving | $1,153 |
| At-fault Accident (damages less than $1,000) | $966 |
| At-fault Accident (damages > $2,000) | $1,034 |
| Speeding Ticket (16-20 mph over speed limit) | $828 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.