Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Huntsville, AL are $298/month
  • The cheapest car insurance company in Huntsville after a DUI is USAA
  • The cheapest car insurance company in Huntsville for teen drivers is USAA

Average car insurance rates in Huntsville, Alabama are $298 a month. But with a little research you can get a great deal from the top car insurance companies in Huntsville, AL. Before you buy Huntsville, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Huntsville car insurance rates with Birmingham car insurance rates, Decatur car insurance rates, or Tuscaloosa car insurance rates to make sure you’re getting the best Huntsville, AL car insurance quotes available.

Need affordable Huntsville, AL car insurance? Enter your ZIP code to compare Huntsville car insurance quotes from multiple car insurance companies near you.

Huntsville, AL Minimum Car Insurance Coverage

Huntsville, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Huntsville, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Huntsville, AL Car Insurance Rates by Coverage Level

Some Huntsville drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Huntsville, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Huntsville, Alabama

Insurance Company Low Medium High
Allstate $3,118 $3,233 $3,366
Farmers $3,689 $3,869 $4,215
GEICO $2,370 $2,588 $2,842
Liberty Mutual $4,611 $4,816 $5,091
Nationwide $2,732 $2,730 $2,794
Progressive $4,047 $4,488 $4,983
State Farm $4,781 $5,088 $5,412
Travelers $2,980 $3,208 $3,250
USAA $1,984 $2,050 $2,149

Huntsville, AL Car Insurance Rates by Age, Gender, and Marital Status

Huntsville, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Huntsville, AL car insurance, get quotes from multiple car insurance companies in the Huntsville area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Huntsville, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,947 $1,856 $1,769 $1,803 $6,817 $7,341 $2,168 $2,210
Farmers $2,234 $2,219 $1,995 $2,123 $8,712 $8,970 $2,527 $2,614
GEICO $1,849 $1,840 $1,782 $1,858 $4,928 $4,801 $1,952 $1,791
Liberty Mutual $2,796 $3,017 $2,300 $2,570 $10,388 $11,540 $2,964 $3,141
Nationwide $1,784 $1,804 $1,628 $1,682 $4,780 $6,140 $1,984 $2,215
Progressive $2,383 $2,223 $1,963 $2,090 $10,205 $11,388 $2,798 $3,000
State Farm $3,051 $3,051 $2,790 $2,790 $9,611 $12,015 $3,455 $3,988
Travelers $1,265 $1,282 $1,199 $1,193 $6,876 $10,801 $1,201 $1,351
USAA $1,279 $1,292 $1,196 $1,165 $3,850 $4,257 $1,660 $1,786

Huntsville, AL Car Insurance Rates for Teens

How much is Huntsville, Alabama car insurance for teens? Compare rates from top Huntsville car insurance companies below to help find the cheapest teen car insurance in Huntsville, AL.

Annual Car Insurance Rates for Teen Drivers in Huntsville, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,817 $7,341
Farmers $8,712 $8,970
GEICO $4,928 $4,801
Liberty Mutual $10,388 $11,540
Nationwide $4,780 $6,140
Progressive $10,205 $11,388
State Farm $9,611 $12,015
Travelers $6,876 $10,801
USAA $3,850 $4,257

Huntsville, AL Car Insurance Rates for Seniors

Before seniors buy Huntsville, Alabama car insurance, they should make sure to shop around. Some Huntsville, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Huntsville, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,769 $1,803
Farmers $1,995 $2,123
GEICO $1,782 $1,858
Liberty Mutual $2,300 $2,570
Nationwide $1,628 $1,682
Progressive $1,963 $2,090
State Farm $2,790 $2,790
Travelers $1,199 $1,193
USAA $1,196 $1,165

Huntsville, AL Car Insurance Rates by Credit History

How does your credit history affect Huntsville, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Huntsville, Alabama

Insurance Company Poor Fair Good
Allstate $4,000 $3,145 $2,571
Farmers $4,395 $3,787 $3,590
GEICO $3,306 $2,360 $2,135
Liberty Mutual $6,908 $4,262 $3,348
Nationwide $3,318 $2,592 $2,346
Progressive $5,059 $4,368 $4,093
State Farm $8,259 $4,181 $2,841
Travelers $3,427 $2,977 $3,034
USAA $2,762 $1,806 $1,614

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Huntsville, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Huntsville, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Huntsville.

Annual Huntsville, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,753 $3,245 $3,846 $3,110
Farmers $3,305 $4,276 $4,172 $3,945
GEICO $1,743 $2,828 $3,517 $2,313
Liberty Mutual $3,796 $5,291 $5,160 $5,111
Nationwide $2,409 $2,409 $3,502 $2,688
Progressive $4,058 $5,136 $4,386 $4,446
State Farm $4,571 $5,732 $5,036 $5,036
Travelers $2,621 $2,748 $4,031 $3,184
USAA $1,586 $1,995 $2,948 $1,715

Huntsville, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Huntsville, AL car insurance rates. Compare rates below to see which Huntsville car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Huntsville, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,846
Farmers $4,172
GEICO $3,517
Liberty Mutual $5,160
Nationwide $3,502
Progressive $4,386
State Farm $5,036
Travelers $4,031
USAA $2,948

Huntsville, AL Car Insurance Rates by ZIP Code

Just like Huntsville car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Huntsville, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Huntsville, Alabama

ZIP Code Average Annual Rates
35801 $3,601
35802 $3,616
35803 $3,642
35805 $3,705
35806 $3,611
35808 $3,746
35810 $3,735
35811 $3,634
35813 $3,644
35816 $3,725
35824 $3,627
35899 $3,697

Huntsville, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Huntsville, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Huntsville companies based on commute time.

Annual Car Insurance Rates by Commute Length in Huntsville, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,239 $3,239
Farmers $3,924 $3,924
GEICO $2,555 $2,645
Liberty Mutual $4,839 $4,839
Nationwide $2,752 $2,752
Progressive $4,506 $4,506
State Farm $4,968 $5,220
Travelers $3,146 $3,146
USAA $1,967 $2,155

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Huntsville, AL Cheapest Car Insurance Rates

How do the top Huntsville, Alabama car insurance companies’ average rates stack up against the Huntsville average monthly car insurance rates of $298? Take a look and see.

Best Annual Car Insurance Rates by Company in Huntsville, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Huntsville, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Huntsville, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Huntsville, Alabama

Insurance Company Average Annual Rates
Allstate $3,239
Farmers $3,924
GEICO $2,600
Liberty Mutual $4,839
Nationwide $2,752
Progressive $4,506
State Farm $5,094
Travelers $3,146
USAA $2,061

Other Factors Affecting Huntsville, AL Car Insurance Rates

Before you buy Huntsville, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Huntsville, AL Commute Time

How does your Huntsville, AL commute time compare with the average driver? In Huntsville, the average commute is 19.2 minutes.

Huntsville, AL Traffic

Spending time in Huntsville traffic can lead to higher car insurance rates. According to INRIX data, Huntsville, AL ranks as the 819th-most congested with traffic in the world.

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Huntsville, AL Car Insurance Quotes

Compare Huntsville, AL car insurance quotes from multiple companies by entering your ZIP code now.