Huntsville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Huntsville

Huntsville has premiums that are relatively consistent with the state average, as they are within $24 of one another. Why don't we get started on how to save on car insurance in Huntsville?

  • City Average: $1,334
  • State Average: $1,358
  • National Average: $1,427

Huntsville Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,831 each year on car insurance. In terms of percent change, shifting from Very Good (740-799) to Exceptional (800-850) results in the most significant percent decrease in premiums, as drivers save approximately 24% per year.

  • Very Poor: $2,914
  • Fair: $2,269
  • Good: $1,799
  • Very Good: $1,429
  • Exceptional: $1,083

Huntsville Car Insurance by Accident or Violation History

Do you have an accident or violation on your record? That can have an impact on your premiums. On average, a DUI in Huntsville will cost you 68% more in car insurance premiums versus the city average ($1,334). Reckless driving will bump your premiums up as well, with average rates of $2,191. That is 64% higher than the city average! Nobody plans on being in an accident, but life happens, so be aware of how your rates can change after one. If you are found at-fault in an accident in Huntsville, you can expect your yearly car insurance payments to increase by $631.

  • DUI: $2,238
  • Reckless Driving: $2,191
  • At-fault Accident (damages less than $1000): $1,965
  • At-fault Accident (damages greater than $2000): $1,965
  • Speeding Ticket (16-20 mph over speed limit): $1,610

Huntsville Car Insurance by Gender and Marital Status

Both marital status and gender are among the various driver characteristics that can influence car insurance premiums in Huntsville. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper. Being married, as opposed to single, can save you roughly 6% per year. Typically, males have premiums that are 2% cheaper than those for females.

  • Female: $1,362
  • Male: $1,334
  • Single: $1,334
  • Married: $1,250
  • Divorced: $1,339
  • Widowed: $1,324

Huntsville Car Insurance by Age

With car insurance payments of $6,014 on average, teenage drivers have the largest premiums amongst all the age groups. At $1,189, drivers in their 50s have the lowest car insurance rates among any age group. People in their 60s ($1,210) aren’t paying significantly more. In Huntsville, when drivers hit their 20s, therefore moving out of the teenage age bracket, they pay 68% less in premiums. It is the biggest difference between any age group. When drivers turn 60, they will experience a rate increase related to their age for the first time.

  • Teenagers: $6,014
  • 20s: $1,903
  • 30s: $1,317
  • 40s: $1,273
  • 50s: $1,189
  • 60s: $1,210
  • 70s: $1,459

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