Huntsville, AL, Car Insurance

On average, drivers in Rocket City pay $84 per month for full coverage car insurance. Costs can range from an affordable $79 to a hefty $340, depending on the specifics of your policy and profile. To help drivers better understand potential expenses, the table below highlights average car insurance costs for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Huntsville, the average annual cost for full coverage car insurance is $1,002, while minimum coverage costs $504 per year. These rates are lower than the Alabama averages, where full coverage is $1,068 and state minimum coverage is $514 annually.

Even though premiums are rising in Alabama, you can still find cheap car insurance in Huntsville. Cincinnati Insurance offers the most affordable minimum coverage at just $19 per month. For full coverage, Cincinnati Insurance also has the best rate, costing only $62 monthly.

Cincinnati Insurance often offers the cheapest car insurance, but rates vary for each driver. The best way to find affordable car insurance is to get quotes from different providers. Below is a table showing the cheapest car insurance rates for various driver profiles.

To find the most affordable car insurance in Huntsville, it's key to compare rates from different companies. Each one prices their premiums differently. Below, we detail the cheapest options for minimum coverage and full coverage car insurance plans.

Cincinnati Insurance offers the cheapest minimum coverage auto insurance at $19 per month. Travelers follows closely with a rate of $35 monthly. Explore the breakdown of these affordable options in the table below.

Cincinnati Insurance offers the cheapest full coverage car insurance in Huntsville at $62 per month. Below is the full list of providers and their rates.

To find the cheapest car insurance in Huntsville, compare quotes from various insurers. Cincinnati Insurance offers the lowest rate at $483 annually. Auto-Owners Insurance Co, with a score of 82, is the best cheap provider. Check the table below for more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,002 per year for 40-year-olds and $939 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Huntsville, with a monthly rate of $115, saving you $81 compared to the state average. The table below highlights more affordable providers for teen drivers in the city.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Cincinnati Insurance offers the best minimum coverage rate for young drivers at $24 per month. For full coverage, Country Financial provides the lowest rate at $71. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Cincinnati Insurance offers the most affordable auto insurance for young drivers at $50 per month. Other companies also provide competitive rates. The table below shows other companies with competitive rates:

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Cincinnati Insurance and Country Financial offer the most affordable car insurance options in the area, though rates vary by individual circumstances. The table below highlights the cheapest providers for various driver and coverage profiles to better suit your needs.

Cincinnati Insurance offers the cheapest monthly premium for seniors at $33 for both minimum and full coverage. Country Financial follows closely with a rate of $37 per month. Below, explore a table featuring top car insurance providers for seniors in Huntsville.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Huntsville, drivers with high-risk profiles pay less for both minimum and full coverage compared to the state average. Huntsville's rates are $733 for minimum coverage and $1,458 for full coverage, while the state averages $1,998 and $3,982, respectively. Those with bad credit and DUIs face the highest costs, whereas accidents and speeding tickets have a smaller impact on insurance rates.

State Farm offers the cheapest minimum coverage for drivers with a DUI at $528 per year in Huntsville. For full coverage, Country Financial leads with an annual rate of $1,008. Check out the table below for more affordable options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Cincinnati Insurance, Country Financial, and Travelers are the three cheapest car insurance providers for drivers with an at-fault accident record in Huntsville. Discover more about cheapest auto insurance after an at-fault accident. Below is a table showing different providers in Huntsville offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Cincinnati Insurance is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $22 and full coverage at $74 in Huntsville. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Cincinnati Insurance offers the most affordable rates for drivers with bad credit for minimum coverage at $31 monthly. For full coverage, Country Financial leads with $77 monthly. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

Each city in Alabama follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

Imagine you're in a fender bender. The minimum coverage helps cover damages and injuries up to these amounts, keeping you on the right side of the law.

Cincinnati Insurance is the top pick in Huntsville for cheap car insurance, at just $19 for minimum coverage and $62 for full coverage. Drivers of all types—youths, seniors, or those with low credit—can find affordable plans. Make sure your insurance follows Alabama's rules, which cover injury and property damage. By comparing, you'll get the best price for the protection you need.

This section gives quick answers to common questions about finding affordable and quality car insurance options in Huntsville. Learn about state minimum coverage and how to choose the best plan for your needs. Find the right balance of cost and coverage.

MoneyGeek conducted an analysis of Huntsville auto insurance prices using data from the Alabama Department of Insurance and Quadrant Information Services.

Huntsville Driver Profile

To assess the best and most affordable auto insurance options for Huntsville residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Huntsville

In assessing the car insurance quotes for Huntsville, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Alabama's mandated liability insurance parameters:

The minimum coverage requirements in Alabama are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Huntsville providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Huntsville
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Huntsville. For more details on our methodology, please visit MoneyGeek's methodology.