The best car insurance in Huntsville, AL

Jessica Olivo

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Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 11, 2021

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The average cost of a full coverage car insurance policy in Huntsville, Alabama is $1,708, close to the Georgia state average of $1,726. But rates vary based on your neighborhood, age, driving history, credit score and the car insurance company you choose.

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The best way to find the cheapest car insurance is to shop around and compare quotes from multiple companies. Policygenius can help you see what you’ll pay with different car insurance companies, so you can choose the best option for you.

Key Takeaways

  • GEICO has the lowest average rates for full coverage car insurance in Huntsville at $887 per year

  • USAA offers the lowest rates for drivers with at-fault accidents on their record

  • Alabama requires at least $25,000 in bodily injury liability coverage per person and $50,000 per accident. $25,000 in property damage liability coverage is also required

Cheapest car insurance companies in Huntsville, AL

There are lots of factors that go into calculating your car insurance rate. Some may be mostly beyond your control, such as your age or where you live. But there are others that can improve or change over time, like your credit score and driving history. Different companies weigh all of these factors differently, which is why it’s so important to shop around and compare options.

Company

Average cost

JD Power Rating

GEICO

$887

871

USAA

$942

890

Nationwide

$1,136

876

COUNTRY Financial

$1,197

863

Cincinnati Insurance

$1,245

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Cheapest car insurance rates by ZIP code in Huntsville, AL

Your ZIP code also has a big effect on what you’ll pay for car insurance. Drivers who live in neighborhoods with busier streets or higher rates of crime will generally pay more for car insurance.

ZIP code

Average cost

35801

$1,698

35802

$1,718

35803

$1,682

35805

$1,722

35806

$1,660

35808

$1,697

35810

$1,740

35811

$1,726

Choosing the right car insurance company in Huntsville, AL

Finding the right policy can feel complicated, but it’s a simple matter of considering what’s most important to you. Do you want the cheapest coverage you can get? Would you pay more for white-glove perks and top-tier customer service? 

Policygenius can help you understand and compare your coverage options and choose the policy that best fits your needs and your budget.

Car insurance rates for drivers with driving violations in Huntsville, AL

You may pay higher rates if you have accidents or violations on your record, but you can still find affordable options. Drivers with serious infractions like a DUI in their history should take extra time to shop around and compare options.

Violation

GEICO

USAA

Nationwide

COUNTRY Financial

Cincinnati Insurance

At-fault Accident

$1,504

$1,457

$2,003

$1,655

$2,231

DUI

$1,909

$2,108

$2,508

$2,065

$3,026

Driving with a suspended license

$1,909

$1,997

$2,508

$2,065

$3,026

Driving with an open container

$1,909

$1,524

$2,508

$1,630

$2,487

Driving with expired registration

$1,050

$1,169

$1,513

$1,630

$1,572

Driving without Lights

$1,050

$1,169

$1,513

$1,630

$1,572

Failure to show documents

$1,011

$1,169

$1,513

$1,630

$1,572

Failure to stop at a red light

$1,050

$1,169

$1,513

$1,630

$1,572

Cheapest car insurance for drivers with bad credit in Huntsville, AL

If you have a low credit score, you might see higher rates when you look for car insurance. Companies use credit score as one of many factors considered when calculating your rates. However not all companies place the same importance on credit scores, so you can find cheaper rates with some than with others.

Company

Rates for drivers with bad credit

GEICO

$1,316

Safeway Insurance

$1,694

USAA

$1,720

Nationwide

$1,885

COUNTRY Financial

$1,962

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Buying car insurance in Huntsville, AL

Most states require a minimum amount of auto insurance coverage by law. In Alabama, you’ll need to have at least the following coverage amounts to legally drive your vehicle on public roads:

  • $25,000 in bodily injury liability coverage per person 

  • $50,000 in bodily injury liability coverage per accident 

  • $25,000 in property damage liability coverage 

These minimum amounts should just be a starting point. In fact, most drivers need well over the minimums to be able to cover the cost of an at-fault accident. If you can afford the higher premiums, you might end up saving money in the long run with a full-coverage policy instead of getting only the minimums required in Alabama.

How to get cheap car insurance in Huntsville, AL

The cost of insurance may feel daunting, but there are ways to pay less for your policy, including:

  • Discounts: Most companies offer discounts for safe drivers, good students, even for switching to autopay

  • Shop for a new policy: Reshop your car insurance every year or so to make sure you’re getting the best current rates

  • Bundle policies: If you need other types of insurance, you can get a discounted rate by having all of your policies with the same company

Frequently asked questions

I was in an accident, but it wasn’t my fault. Am I going to pay more for car insurance?

You may not pay more for insurance after a not-at-fault accident — while an at-fault accident will likely raise your rates at renewal, a not-at-fault accident or a comprehensive claim may not.

Why are insurance rates higher in my part of the city than they are in a different ZIP Code?

There are several reasons why you may pay more in a certain neighborhood, like rates of car theft and vandalism, the number of claims filed in your area, even access to parking where you live.

Which company has the cheapest rates in Huntsville?

While there are many determining factors that go into deciding your insurance rate, GEICO has the cheapest average cost for full coverage car insurance in Huntsville, at $887 a year.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.