A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Huntsville, TX are $335/month
  • The annual number of car thefts in Huntsville is 53.
  • The cheapest car insurance company in Huntsville after a DUI is GEICO

Average car insurance rates in Huntsville, Texas are $335 a month. But with a little research you can get a great deal from the top car insurance companies in Huntsville, TX. Before you buy Huntsville, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Huntsville car insurance rates with Arlington car insurance rates, Plano car insurance rates, or El Paso car insurance rates to make sure you’re getting the best Huntsville, TX car insurance quotes available.

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

Huntsville, TX Minimum Car Insurance Coverage

Huntsville, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Huntsville, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Huntsville, TX Car Insurance Rates by Coverage Level

Some Huntsville drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Huntsville, Texas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Huntsville, Texas

Insurance Company Low Medium High
Allstate $5,269 $5,345 $5,556
American Family $5,316 $5,529 $6,503
GEICO $2,905 $3,029 $3,272
Nationwide $4,031 $3,583 $3,617
Progressive $4,579 $4,798 $5,083
State Farm $2,781 $2,918 $3,082
USAA $2,345 $2,414 $2,510

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

Huntsville, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Huntsville, TX 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, Texas

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 $3,488 $3,514 $3,441 $3,441 $9,265 $11,175 $4,311 $4,485
American Family $3,319 $3,735 $3,170 $3,672 $9,490 $12,359 $4,913 $5,606
GEICO $2,293 $2,472 $2,223 $2,512 $4,961 $5,153 $2,472 $2,463
Nationwide $2,343 $2,382 $2,070 $2,191 $6,668 $8,561 $2,755 $2,980
Progressive $2,533 $2,399 $2,262 $2,299 $10,870 $12,150 $3,004 $3,047
State Farm $2,058 $2,058 $1,828 $1,828 $4,885 $6,219 $2,234 $2,306
USAA $1,546 $1,557 $1,475 $1,466 $4,337 $4,728 $2,062 $2,215

Huntsville, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Huntsville, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,265 $11,175
American Family $9,490 $12,359
GEICO $4,961 $5,153
Nationwide $6,668 $8,561
Progressive $10,870 $12,150
State Farm $4,885 $6,219
USAA $4,337 $4,728

Huntsville, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Huntsville, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,441 $3,441
American Family $3,170 $3,672
GEICO $2,223 $2,512
Nationwide $2,070 $2,191
Progressive $2,262 $2,299
State Farm $1,828 $1,828
USAA $1,475 $1,466

Huntsville, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Huntsville, Texas

Insurance Company Poor Fair Good
Allstate $6,847 $5,021 $4,302
American Family $7,832 $5,085 $4,432
GEICO $4,729 $2,683 $1,794
Nationwide $4,490 $3,607 $3,134
Progressive $5,413 $4,694 $4,354
State Farm $4,148 $2,579 $2,054
USAA $3,564 $2,054 $1,651

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Huntsville, TX Car Insurance Rates by Driver History

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

Annual Huntsville, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,167 $6,475 $6,752 $4,167
American Family $5,247 $6,743 $5,894 $5,247
GEICO $2,607 $3,438 $2,877 $3,353
Nationwide $3,247 $3,247 $4,813 $3,668
Progressive $4,198 $5,456 $4,905 $4,723
State Farm $2,606 $2,982 $3,514 $2,606
USAA $1,808 $2,664 $3,146 $2,075

Huntsville, TX Car Insurance Rates With a DUI

Even a single DUI can increase your Huntsville, TX 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, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,752
American Family $5,894
GEICO $2,877
Nationwide $4,813
Progressive $4,905
State Farm $3,514
USAA $3,146

Huntsville, TX 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, TX car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Huntsville, Texas

ZIP Code Average Annual Rates
77320 $6,172
77340 $5,916
77341 $6,032

Huntsville, TX Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Huntsville, TX 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, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,256 $5,524
American Family $5,783 $5,783
GEICO $3,012 $3,125
Nationwide $3,744 $3,744
Progressive $4,820 $4,820
State Farm $2,927 $2,927
USAA $2,393 $2,454

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Huntsville, TX Cheapest Car Insurance Rates

How do the top Huntsville, Texas car insurance companies’ average rates stack up against the Huntsville average monthly car insurance rates of $335? Take a look and see.

Best Annual Car Insurance Rates by Company in Huntsville, Texas

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

Huntsville, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Huntsville, Texas

Insurance Company Average Annual Rates
Allstate $5,390
American Family $5,783
GEICO $3,069
Nationwide $3,744
Progressive $4,820
State Farm $2,927
USAA $2,423

Other Factors Affecting Huntsville, TX Car Insurance Rates

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

Huntsville, TX Car Theft Rates

The car theft rate in Huntsville, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Huntsville, Texas is 53 stolen cars.

Huntsville, TX Commute Time

How does your Huntsville, TX commute time compare with the average driver? In Huntsville, the average commute is 25.3 minutes.

Huntsville, TX Traffic

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

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Huntsville, TX Car Insurance Quotes

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