Huntsville, AL Car Insurance

How much does car insurance cost in Huntsville?


The average cost of car insurance in Huntsville, Alabama, is $1,431 each year. That's cheaper than the average in Alabama ($1,450) and less expensive than the national average of $1,548. Our guide to Huntsville auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


HUNTSVILLE AUTO INSURANCE RATES
Huntsville Average (annual)Alabama AverageU.S. Average
$1,431$1,450$1,548

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Huntsville car insurance rates by company


One of the most important determinants of your car insurance rates is the insurance company 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 compare quotes specific to your unique driving profile.


HUNTSVILLE AUTO INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
GEICO$881
USAA$892
Allstate$1,503
Progressive$1,564
Safeway$1,614

Read our guide to finding the best cheap auto insurance.



Huntsville auto insurance rates by age

The age bracket that pays the least for auto insurance in Huntsville consists of drivers in their age_50s, who pay an average of $1,282. Rates for Huntsville drivers in their age_60s are also relatively affordable, at just $1,310 per year.

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.


HUNTSVILLE AUTO INSURANCE COSTS BY AGE
AgeAverage Annual Rate
Teens$5,963
20s$2,054
30s$1,409
40s$1,365
50s$1,282
60s$1,310
70s$1,566

Learn more about the impact of age on auto insurance rates.



Huntsville auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Huntsville pay $109 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Huntsville, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Huntsville, the gap in car insurance costs between genders is $7 per year, with male drivers paying more than female drivers.


HUNTSVILLE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,424
Male$1,431
Single$1,323
Married$1,323
Divorced$1,431
Widowed$1,396

Learn more about how gender and marital status have on car insurance rates.



Huntsville car insurance costs by incident history


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 $912per year in insurance premiums.


AVERAGE HUNTSVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Yearly Rate
DWI/DUI$2,343
Reckless Driving$2,306
At-fault Accident (damages less than $1,000)$1,933
At-fault Accident (damages > $2,000)$2,068
Speeding Ticket (16-20 mph over speed limit)$1,657

Get more info on how a bad driving history can impact your car insurance costs.



Huntsville car insurance rates by credit level


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.


HUNTSVILLE CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$3,114
Fair$1,767
Good$1,431
Very Good$1,286
Exceptional$1,143

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.