In Huntsville, Alabama, average annual auto insurance premiums are $520 for minimum coverage and $1,581 for full coverage, which means there are numerous options for affordable car insurance. According to data pulled from Quadrant Information Services, Geico offers the cheapest average annual minimum coverage car insurance rates at $337, while Travelers offers the cheapest average annual full coverage rates at $1,026.
To determine our picks for the best cheap car insurance in Huntsville, Bankrate looked at customer service ratings, financial stability, coverage options and discounts, along with an auto insurer’s average premium. Based on our research, several carriers are worth considering.
- While USAA has the highest J.D. Power customer satisfaction scores and budget-friendly average annual rates of $379 for minimum coverage auto insurance and $1,148 for full coverage, it is only available to military and qualifying family members.
- Geico has the second highest J.D. Power score on our list and offers average annual car insurance rates of $337 for minimum coverage and $1,198 for full coverage.
- Huntsville drivers pay an average annual car insurance premium of $520 for minimum coverage and $1,580 for full coverage.
Best car insurance companies in Huntsville
There are multiple Huntsville insurance providers that offer affordable rates, various coverage options and a variety of discounts. Bankrate’s editorial team sourced the latest average premiums from Quadrant Information Services while also looking to industry experts like J.D. Power’s 2021 Auto Insurance Study and AM Best for financial strength. Based on these factors and more, these are our picks for the best car insurance companies in Huntsville.
|Insurance company||J.D. Power 2021 auto insurance study score Southeast region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||843 / 1,000||$337||$1,198|
|USAA*||890 / 1,000||$379||$1,148|
|Travelers||831 / 1,000||$395||$1,026|
|Farmers||818 / 1,000||$412||$1,332|
Quadrant Information Services, 2021
*USAA is not officially ranked by J.D. Power due to eligibility restrictions.
Geico combines affordable rates with high customer service ratings, good financial strength and numerous discount options. In addition to the standard ways to save on premiums, such as bundling multiple policies and having a car with added safety features, Geico offers several other discounts, including military discounts, good student discounts and federal employee discounts. Geico also has an affiliation discount, which means if you are a member of one of the 500 approved clubs or alumni groups, you can save even more.
Learn more: Geico insurance review
USAA provides insurance to members of the military and their immediate family members with policies tailored to their unique needs. This may be particularly beneficial to members of the U.S. Army’s Redstone Arsenal located near Huntsville.
If you meet the eligibility requirements, USAA offers numerous benefits and discounts. For example, if you are deployed or store your vehicle on a military base, you may be eligible for a discount.
Learn more: USAA insurance review
Travelers offers modern-day coverage options, such as rideshare coverage, gap insurance and new car replacement. Travelers also provides useful options such as accident forgiveness, rental car reimbursement and new car replacement coverage. You might also find the highly-rated app helpful to manage your policies, submit claims and get roadside assistance.
Learn more: Travelers insurance review
Another carrier with a well-liked app is Farmers. Not only can you manage many aspects of your policy on the app, you can also request quotes and add coverage to your existing policy. Farmers offers numerous coverage options, including custom equipment coverage, rideshare coverage, spare parts coverage and an OEM parts option so only original manufacturers parts are used during car repairs.
Learn more: Farmers insurance review
Cheapest car insurance in Huntsville
While the average premium is $1,581 per year for full coverage, every driver will pay a different premium based on the specific characteristics of their policy. Huntsville’s average premiums are lower than the average cost of car insurance in the U.S., which is $1,674 per year for full coverage. Still, it is slightly more expensive than Alabama’s average annual rates of $1,623 for full coverage and $469 for minimum coverage.
The providers in the table below, selected based on rates and market share, have among the cheapest rates in Huntsville.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Price is not the only factor to consider in your search for car insurance. For example, USAA has high customer service ratings, but coverage is only available to drivers who are current or past military service members and their families. Geico has low rates, but the coverage options are more limited than Allstate or Farmers. Obtaining quotes from multiple providers and comparing premiums, coverage options, discounts, financial strength and customer service scores is a good way to understand your insurance options in Huntsville.
Huntsville insurance requirements
The state of Alabama requires drivers to carry a minimum amount of liability coverage, broken down as follows:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
Drivers who choose minimum coverage often pay less than drivers who choose higher liability limits or full coverage. However, minimum coverage may not be enough to protect you in the event of an at-fault loss and could result in out-of-pocket expenses.
Additionally, if you lease or finance a car, your lender or lessor will typically require you to have collision and comprehensive coverage. Some lessors may require you to maintain gap coverage as well, to pay the difference between what is owed on the car and what the insurance company pays out if the car is totaled.
It may be wise to obtain quotes for uninsured and underinsured motorists coverage as well. Alabama is ranked sixth highest in the country for the number of uninsured motorists on the roads. This option provides coverage for you if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover your damages.
Car insurance discounts in Huntsville
Car insurance carriers typically provide discounts as a way of helping policyholders lower their insurance costs. There are several common discounts available to Huntsville residents, including:
- Safe driving: If you participate in a company’s telematics program, which tracks your driving habits via an app or a plug-in device, you might earn a discount. Many carriers have this option, such as Allstate’s Drivewise program and Progressive’s Snapshot program, which may reward you with lower premiums for safe driving habits.
- Vehicle equipment discounts: If your car has features such as an anti-theft system, airbags and anti-lock brakes, you may qualify for a discount on your auto insurance premium.
- Good student: If you are a student or you insure a student who maintains good grades, you may be rewarded with a discount after you show a qualifying report card.
- Policy bundling: One of the easiest ways to save is to purchase an auto insurance policy through the same company you have a homeowners, renters or condo insurance policy with. Many companies offer a multi-policy discount.
Frequently asked questions
What is the best car insurance company?
Finding the best car insurance in Huntsville is based on a variety of factors, which will be different for every driver. These may include a company’s customer service ratings, financial stability, digital assets and coverage options. The best way to find the right company is to determine which insurance features matter most to you, and then to compare quotes from several companies or have a licensed agent guide you through the process.
How much car insurance do I need in Huntsville?
In addition to the minimum liability requirements discussed above, you may need to add comprehensive and collision coverage if you lease or finance your car. Uninsured motorists coverage may be worth considering as well. If you are unsure how much coverage you need, talking to an insurance professional may be helpful.
How much does car insurance in Huntsville cost?
While car insurance rates are personalized for each driver, the average cost of minimum coverage insurance in Huntsville is $520 per year, and the average cost for full coverage insurance is $1,581 per year. This is lower than the national average of $565 annually for minimum coverage and $1,674 annually for full coverage, but higher than the Alabama average rates, which are $469 annually for minimum coverage and $1,623 annually for full coverage.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.