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Key Takeaways

  • Comparison shopping of car insurance quotes will help car owners save about $57 in Huntsville.
  • USAA, provides the cheapest car insurance in Hunstville.
  • A 60 year old driver pays the least premium, $1320 per annum, in Huntsville.

How much does car insurance cost in Huntsville?

In Huntsville, Alabama, car insurance costs an average of $1449 per year. That's less than the average price in Alabama, which is $1724, and less than the average price in the U.S., which is $1557.

Our guide to auto insurance in Huntsville gives you average rates based on age, credit score, driving history, and whether or not you are married.

This will help you set your budget for your car insurance in Huntsville, AL. Continue reading to find out!

Huntsville rates vs. Alabama vs. National Average

Huntsville Average (annual) Alabama Average United States Average
$1449 $1724 $1557

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Huntsville Auto Insurance Premiums by Company

One of the most important things that affect how much you pay for car insurance is the auto insurance company you use.

In Huntsville, USAA has the best prices for insurance for the average customer. If you are ineligible for USAA, the next best option is Allstate.

We've compiled a list of companies that offer the cheapest car insurance in Huntsville. You should only use this list as a starting point. It's essential to compare quotes based on how you drive.

Insurance Company Average Rate (annual)
USAA $906
Allstate $1518
Progressive $1584
Safeway $1629

Huntsville Auto Insurance Premiums by Age Group

Drivers in their 20s pay an average of $2070 for car insurance in Huntsville, which is one of the highest of any age group. The rates for people in their 60s who drive in Huntsville are pretty low, at $1320 per year.

Age tier Average Yearly Rate
20s $2070
30s $1419
60s $1320

Huntsville Auto Insurance Premiums by Marital Status

Data shows that single drivers are more likely to file claims, so they usually pay more than married drivers. In Huntsville, married people pay $102 less for car insurance than single people. In Huntsville, drivers who have lost a spouse pay less than single drivers.

Marital Status Average Annual Rate
Single $1440
Married $1338
Divorced $1449
Widowed $1410

Huntsville Auto Insurance Premiums by Gender

Gender is another thing that can affect how much you pay for car insurance. In Huntsville, the difference between what men and women pay for car insurance is $9 per year. Men pay more than women.

Gender Average Annual Rate
Female $1440
Male $1449

Huntsville Auto Insurance Premiums by Driving Record

Keep your driving record clean. This is an excellent way to reduce car insurance costs. Rates usually go up after a ticket for speeding, a charge for driving recklessly, a DUI or DWI, or an accident that was your fault.

If a driver in Huntsville is caught driving recklessly, their car insurance goes up by $875 per year, which is more than the average rate for the city. On average, getting a ticket for speeding raises your rates by $227, while getting a DUI raises your rates by $912 per year.

Incident/Violation Average Yearly Rate
DUI/DWI $2367
Reckless Driving $2322
At-fault Accident $2088
Speeding Ticket $1680

Huntsville Auto Insurance Premiums by Credit Rating

When you have a good credit score, your car insurance costs will be less. Most of the time, drivers with bad credit histories pay more for car insurance than drivers with good credit histories.

When it comes to car insurance, drivers in Huntsville who raise their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save up to 63%.

Your auto insurance price might change if you move from the "Very Poor" credit level to the "Fair" one. In Huntsville, moving from the "Poor" credit tier to the "Fair" credit tier saves an average of $1,346 per year on insurance.

Credit Score Average Yearly Rate
Very Poor $3129
Fair $1779
Good $1449
Very Good $1299
Exceptional $1161

Huntsville Auto Insurance Premiums by ZIP Code

The price of car insurance quotes in Huntsville, AL is also affected by your ZIP code. Drivers in 35811, the city's least expensive neighborhood for auto insurance, pay $19 less than the average annual premium in 35810.

ZIP code Annual car insurance rates
35811 $1140
35810 $1158

What would increase your Car Insurance Rate in Huntsville

When figuring out how much each policy will cost, car insurance companies look at many different things. Your policy depends on where you live and what you drive.

Some of these factors include

  • Number of drivers
  • Crime rates
  • Local laws
  • Amount of off-street parking
  • Road Safety

You can't change these things alone, but you should consider them when looking for a new policy or place to live. Rates will differ in different cities and towns, so these guides are an excellent way to learn more.

Get in touch with car insurance agents in Huntsville to help you get the right car insurance quotes. If you are unsure of approaching agents, log on to Way.com App.

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Auto Theft Statistics in Huntsville

Huntsville has a lower car theft rate than the average US city. Huntsville is in the 73rd percentile for safety, meaning that 27% of cities are safer and 73% more dangerous.

In an average year, 0.52 cars are stolen for every 1,000 people who live in Huntsville. Most people in Huntsville think this kind of crime is least likely to happen in the southeast part of the city. In the northeast neighborhoods of Huntsville, your chance of having your car stolen is as high as 1 in 1,214. In the southeast part of the city, your bet is as low as 1 in 2761.

Accidents Statistics in Huntsville

The number of deaths from accidents was lower in Huntsville, with only 6.82 deaths per 100,000 people. Between 2015 and 2021, a few fewer people died in car accidents in Huntsville. Most accidents that killed people in Huntsville/Madison County happened along I-565. Even though fewer accidents end in death in Huntsville than in Birmingham or Montgomery, accidents are still nasty.

Tips for Driving in Huntsville, Alabama

Alabama law says you can't write, send, or read a text message while driving on a wireless communication device.

You must look away from the road for five seconds when you send or read a text. You could drive the length of a football field without opening your eyes if you were going 55 miles per hour.

Here are four good ways to stay safe on the road:

  • Use your phone's "do not disturb" or "focus" setting: Most smartphones have ways to stop or turn off notifications while driving.
  • Plan ahead: Put your route into your GPS or navigational device ahead of time so you don't have to mess with it while driving.
  • Keep your ears unoccupied: Don't wear headphones in both ears while driving. Earbuds are distracting and make it harder to hear emergency vehicle sirens, car problems, railroad crossing signals, and trains.
  • Watch out: In spring and summer, more people walk and ride bikes. Keep an eye on what's happening around you and go the speed limit.

Driving Conditions

  • Wind - NNE 3 km/h
  • Wind Gusts - 3 km/h
  • Dew Point - 17° C
  • Cloud Cover - 24%
  • Visibility - 35 km

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQS

How much is car insurance in Huntsville, Alabama?

In Huntsville, Alabama, car insurance costs an average of $1449 per year. That's less than the average price in Alabama, which is $1724, and less than the average price in the U.S., which is $1557.

Where can I find cheap car insurance in Huntsville, Alabama?

In Huntsville, USAA has the best prices for insurance for the average customer. If you are ineligible for USAA, the next best option is Allstate.

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Learn more by city and state for car insurance




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