Cheapest Car Insurance Quotes in Huntsville

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Huntsville Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Huntsville

The car insurance rate in Huntsville is $832 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $437, making it a popular choice for budget-conscious drivers. Rates in Huntsville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Huntsville

$832

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Huntsville

1st place: AutoOwners Insurance Co

At $437 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $460 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $460 for six months, making it the third cheapest auto insurance company in Huntsville.

Huntsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Huntsville, TN is AutoOwners Insurance Co, offering policies at just $437 for a six-month term. This is followed by Erie, which has an average six-month premium of $460.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1393 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Huntsville drivers find the best deals.

Cheap Car Insurance Companies in Huntsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$437	$72
Erie	$460	$79
Westfield	$460	$77
Tennessee Farm Bureau	$491	$84
Travelers	$684	$115
Farmers	$830	$140
USAA	$836	$141
Grange	$843	$142
Farm Bureau of Tennessee	$872	$146
Tennessee Farmers	$975	$166
Penn National	$1055	$175
State Farm	$1152	$196
Nationwide	$1169	$195
Progressive	$1393	$237

Key Takeaways

Way's key takeaways about car insurance in Huntsville

The auto insurance costs in Huntsville fall around $437 for six months.
The cheapest auto insurance company in Huntsville is Westfield.
Teen drivers pay the highest rate in Huntsville at $49 per month.

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Cheapest Minimum Liability Car Insurance in Huntsville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Huntsville are given below.

Westfield provides the cheapest minimum car insurance coverage in Huntsville. Their Average 6 Month Premium is $140. AutoOwners is the most expensive at $200 for the same period.

Cheapest Liability Coverage in Huntsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$23
Auto-Owners Insurance Co	$163	$28
Tennessee Farm Bureau	$169	$29
Farm Bureau of Tennessee	$175	$30
Tennessee Farmers	$200	$34
USAA	$200	$34
Cincinnati	$206	$35
Erie	$218	$37
Travelers	$218	$37
Farmers	$231	$39
Penn National	$249	$42
Progressive	$272	$46
State Farm	$272	$46
Allstate	$443	$75
Auto-Owners	$200	$34

Cheapest Full Coverage Car Insurance in Huntsville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Huntsville is AutoOwners Insurance Co at $72 per month and $437 for six months.

Cheapest Full Coverage Car Insurance Quotes in Huntsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$437	$72
Erie	$460	$79
Westfield	$460	$77
Tennessee Farm Bureau	$491	$84
Travelers	$684	$115
Farmers	$830	$140
USAA	$836	$141
Grange	$843	$142
Farm Bureau of Tennessee	$872	$146
Tennessee Farmers	$975	$166
Penn National	$1055	$175
State Farm	$1152	$196
Nationwide	$1169	$195
Progressive	$1393	$237

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Average Car Insurance in Huntsville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Huntsville, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Huntsville, Tennessee, may be increasing due to several external factors. Tennessee has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Huntsville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Huntsville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Penn National	$618
30s	Penn National	$425
40s	Penn National	$386
50s	Penn National	$357
60s	Penn National	$374
70s	Penn National	$430

Cheapest Car Insurance Rates for Teen Drivers in Huntsville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Huntsville at $28 per month. At $291 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
USAA	$194	$33
Tennessee Farm Bureau	$231	$39
Travelers	$231	$39
Auto-Owners Insurance Co	$243	$41
Farmers	$260	$44
Grange	$260	$44
Progressive	$260	$44
Cincinnati	$266	$45
Erie	$266	$45
State Farm	$291	$49

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Huntsville.

As young drivers face the highest rates in Huntsville, Penn National offers the cheapest auto insurance rates at $618 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Huntsville, Tennessee Farm Bureau is the cheapest car insurance provider. At $194 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Huntsville is Erie, offering rates of around $381 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$194	$33
Westfield	$254	$43
Grange	$303	$52
Farmers	$327	$54
Progressive	$327	$56
Travelers	$327	$54
Cincinnati	$357	$61
Erie	$381	$63

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Car Insurance Rates with An Accident in Huntsville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Huntsville, TN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Huntsville

The cheapest car insurance companies after an at-fault accident in Huntsville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $169 and $175, respectively. Grange is an expensive provider with an average six-month premium of $327.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$169	$29
Farm Bureau of Tennessee	$175	$30
Westfield	$237	$40
USAA	$254	$43
Farmers	$260	$44
Travelers	$266	$45
Progressive	$278	$47
Erie	$297	$50
State Farm	$297	$50
Auto-Owners Insurance Co	$303	$52
Grange	$327	$54

Huntsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Huntsville TN. For example, the car insurance in Huntsville after a DUI increases to $1012 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Huntsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1012	$168
Not-at-fault accident	$1018	$173
One Med/PIP claim	$1024	$170
One comp claim	$1036	$176
Two comp claims	$1049	$174
Two Med/PIP claims	$1049	$179
Failure to wear a seat belt	$1163	$194
Failure to show documents	$1181	$201
Child safety restraint	$1187	$198
Driving without lights	$1187	$202
Cell phone violation	$1206	$201
Driving with expired registration	$1206	$205
Speeding 6 - 10 MPH over limit	$1206	$201
Driving too slowly	$1212	$206
Speeding 11 - 15 MPH over limit	$1212	$202
Speeding in school zone	$1212	$206
Failure to yield	$1218	$203
Following too closely	$1218	$207
Illegal turn	$1218	$203
Speeding 16 - 20 MPH over limit	$1218	$207
Texting while driving	$1218	$203
Improper passing	$1230	$209
Wrong way/wrong lane	$1230	$205
Failure to stop at a red light	$1236	$210
In 65 MPH zone	$1255	$209
Speeding 21 - 25 MPH over limit	$1284	$218
At-fault accident - less than $1000	$1303	$217
Passing school bus	$1303	$221
Operating a vehicle without permission	$1381	$231
Open container	$1393	$237
At-fault accident - $1000-$2000	$1502	$251
At-fault accident - greater than $2000	$1502	$255
Reckless driving	$1896	$316
Racing	$1902	$323
Driving with a suspended license	$1951	$325
Refusal to submit to a chemical test	$1987	$338
DUI	$2024	$338
Leaving scene of an accident/hit and run	$2024	$344

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Huntsville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Huntsville.

The cheapest car insurance premiums in Huntsville are offered by Tennessee Farm Bureau at $266 for a six-month policy. However, it can be as expensive as $1672 with companies like Allstate.

Huntsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$266	$45
Farmers	$309	$52
Erie	$315	$54
Grange	$412	$68
Travelers	$509	$86
State Farm	$733	$123
Progressive	$763	$129
USAA	$866	$146
Tennessee Farmers	$1175	$200
Allstate	$1672	$278

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Huntsville are offered by Westfield at $163. However, it can be as expensive as $278 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Huntsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
Tennessee Farm Bureau	$169	$29
Erie	$194	$33
Auto-Owners Insurance Co	$237	$40
State Farm	$237	$40
Cincinnati	$249	$42
Travelers	$266	$45
Chubb	$272	$46
Progressive	$278	$47

Car Insurance Price Trends in Huntsville, Tennessee

Car insurance rates in Huntsville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Huntsville remained steady at $98 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Huntsville remained steady at $38 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Huntsville?

The car insurance in Huntsville is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Huntsville?

The cheapest car insurance in Huntsville is $72 per month for full coverage.

How much is car insurance in Huntsville for teenagers?

Car insurance for teenagers costs $163 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Huntsville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $140 per month to insure your car in Huntsville.

Is car insurance expensive in Huntsville?

Car insurance can be expensive in Huntsville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Huntsville can be affordable.

Cheapest Car Insurance Quotes in Huntsville

Why you can trust Way?

How Much Is Car Insurance in Huntsville

Avg. Car Insurance in Huntsville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Huntsville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Huntsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Huntsville, TN

Way's key takeaways about car insurance in Huntsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Huntsville

Cheapest Liability Coverage in Huntsville, TN

Cheapest Full Coverage Car Insurance in Huntsville

Cheapest Full Coverage Car Insurance Quotes in Huntsville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Huntsville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Huntsville, TN increasing?

Car Insurance Premiums by Age in Huntsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Huntsville,TN

If you are in your twenties Penn National is the best choice for car insurance in Huntsville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Huntsville

Cheapest Car Insurance Companies after an At-Fault Accident in Huntsville

Huntsville Car Insurance Rates by Violation

Huntsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Huntsville after a DUI

Huntsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Huntsville after Speeding ticket

Car Insurance Price Trends in Huntsville, Tennessee

Average Car Insurance Cost in Huntsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Huntsville, TN

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources