Best cheap car insurance in Huntsville

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Huntsville, Alabama is known as one of the hubs of the aerospace industry, and more than 200,000 residents call the Rocket City home. With average annual auto insurance premiums of $520 for minimum coverage and $1,581 for full coverage, there are numerous options for affordable car insurance in Huntsville.

If you are looking for car insurance in Alabama’s second-largest city, you may want to consider customer service ratings, financial stability, coverage options and discounts, along with an insurer’s average premium. There are several carriers worth considering as you select the best car insurance in Huntsville for your needs.

Best car insurance companies in Huntsville

There are multiple Huntsville insurance providers that offer affordable rates, various coverage options and a variety of discounts. High customer service scores and good financial strength ratings are also important to consider.

Insurance company J.D. Power Score
(Southeast region)
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 857 / 1,000 $337 $1,198
USAA 901 / 1,000 $379 $1,148
Travelers 823 / 1,000 $395 $1,026
Farmers 832 / 1,000 $412 $1,332

Quadrant Information Services, 2020

Geico

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.

USAA

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.

Travelers

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.

Farmers

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.

Cheapest car insurance in Huntsville

The best way to find the cheapest car insurance in Huntsville is to compare quotes from several carriers. While the average premium is $520 per year for minimum coverage and $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 $565 per year for minimum coverage and $1,674 per year for full coverage. However, Huntsville’s average rates are slightly more expensive than Alabama’s average annual rates of $469 for minimum coverage and $1,623 for full coverage.

The providers in the table below have among the cheapest rates in Huntsville.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $337 $1,198
USAA $379 $1,148
Travelers $395 $1,026
Farmers $412 $1,332
Allstate $444 $1,269

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.

Methodology

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.