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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 Average||U.S. Average|
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.
HUNTSVILLE AUTO INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
Read our guide to 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 50s, who pay an average of $1,282. Rates for Huntsville drivers in their 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
|Age||Average Annual Rate|
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. Interestingly enough, in Huntsville, widowed drivers pay more than do 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 Status||Average Yearly Rate|
Learn more about the interplay of gender, marital status and 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 $912 per year in insurance premiums.
AVERAGE HUNTSVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|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 Tier||Average Rate (annual)|
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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 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.