Buy Cheap Huntsville, AL Auto Insurance

The average cost of Huntsville, AL auto insurance is $297 per month or $3,573 annually. USAA is the cheapest Huntsville, AL auto insurance company, followed by GEICO. However, your rates depend on your coverage needs, age, and driving record. Huntsville residents must carry the Alabama auto insurance minimum limits of 25/50/25 in liability coverage to legally drive on the roads.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: May 27, 2021

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A Concise Overview

  • On average, Huntsville, AL auto insurance costs $297 per month or $3,573 annually
  • USAA offers the cheapest average quotes in your city, followed by GEICO
  • Minor traffic congestion and higher than average auto theft statistics impact your regional Huntsville premiums

The average Huntsville, AL auto insurance policy costs $297 per month or $3,573 annually. However, your rates depend on your age, driving record, and coverage needs.

Below, compare genuine annual premiums from the top insurance companies in Huntsville and learn how to secure cheap Alabama auto insurance.

When you’re ready to buy Huntsville, AL auto insurance, enter your ZIP code into our free rate tool above to get started.

What is the cheapest auto insurance company in Huntsville, AL?

USAA offers the cheapest average Huntsville, AL auto insurance rates; however, only military personnel can use this provider.

The next cheapest Huntsville, AL auto insurance company available to everybody is GEICO.

Below, compare the average annual rates from the top providers in Huntsville:

  • USAA – $2,060.84
  • GEICO – $2,600.14
  • Nationwide – $2,752.10
  • Travelers – $3,145.98
  • Allstate – $3,238.73
  • Farmers – $3,924.23
  • Progressive – $4,506.29
  • Liberty Mutual – $4,839.46
  • State Farm – $5,093.78

Every insurance company calculates insurance premiums using a different formula. Your age, driving record, and coverage requirements impact your rates.

For example, a basic liability-only policy always costs less than full coverage auto insurance.

To find the best company for you, compare quotes from multiple providers online.

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What auto insurance coverage is required in Huntsville, AL?

By law, all Huntsville drivers must carry at least the Alabama minimum auto insurance limits.

Currently, Alabama requires the following coverages:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $25,000 per incident in property damage liability coverage

Alabama is an at-fault or tort state. If you ever cause an accident, your liability auto insurance pays for the other driver’s damages.

Recently, Alabama changed some of the laws impacting uninsured motorists.

As of 2020, Huntsville residents caught driving without insurance multiple times no longer face license suspensions. However, you must pay a fine.

What affects auto insurance rates in Huntsville, AL?

Minor traffic congestion and high auto theft statistics impact your Huntsville auto insurance rates.

According to INRIX, Huntsville is the 186th most congested city in America. On average, drivers lose about three hours to bumper-to-bumper traffic.

Fortunately, the average commute length for Huntsville drivers is only 17.7 minutes, as reported by City-Data. That’s much shorter than the national average of 26 minutes.

Unfortunately, the Federal Bureau of Investigation (FBI) recorded 1,046 auto thefts in your city in 2017.

That high rate of 535.9 stolen cars per 100,000 residents is more significant than the Alabama average and negatively impacts insurance costs in your city.

Huntsville, AL Auto Insurance: The Bottom Line

Overall, Huntsville auto insurance costs are average for the state of Alabama.

See how Huntsville rates stack up against these other major Alabama cities:

By comparing quotes online and asking about auto insurance discounts, you’ll quickly secure cheap Huntsville insurance premiums.

You can receive affordable Huntsville, AL auto insurance quotes right now by entering your ZIP code into our free rate tool below.

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