On average your neighbors pay $60 a month.See Your Rates
Huntsville, Alabama is home to the US Space and Rocket Center. But if you prefer to travel on the ground, you’ll need car insurance. QuoteWizard can help you compare rates from different companies to find the best policy. Here you can read about Huntsville’s insurance and traffic laws, average rates, best insurers, and more.
How much does car insurance cost in Huntsville, AL? Drivers here have it good in comparison to the rest of the country. Average car insurance in Alabama costs $722.89 per year. The national average price is $889.01.
Your exact rate may vary based on your zip code, driving history, claims history, coverage level, and more.
|Total Cost Per Year||$722.89|
|Price Per Month||$60.24|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the average Alabama insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Huntsville car insurance increased from $653 in 2011 to $722 in 2015. This is a jump of $69 dollars, or 10.56 percent.
QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. QuoteWizard can get you cheap car insurance rates near Huntsville, Alabama, cutting up to 40% from your premium.
Last year, 9,041 people used QuoteWizard to compare car insurance quotes in Huntsville, AL from multiple companies to get the cheapest rates.
These are the most popular car insurers reported by QuoteWizard users in Huntsville, Alabama. Of them, 2,060 people were uninsured when they requested a quote.
These are the most popular makes and models owned by Huntsville, AL QuoteWizard users.
Huntsville, Alabama requires all its drivers to carry minimum liability coverage. The minimum is 25/50/20. This means your policy must include:
Minimum coverage may look like a good deal, but not after an accident. It pays for damages to others and their property. However, it doesn’t cover you or your expenses. If you have an accident with only minimum coverage, you’re responsible for your repair costs. And it’s easy to exceed minimum liability levels after an accident.
Given that, we recommend the following coverage:
Insurance costs more in regions with bad drivers and high accident rates. How does Huntsville rate? QuoteWizard ranked state drivers from best to worst. According to our data, Alabama came in as the 28th worst driving state.
Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.
Year-round weather in Huntsville brings the full range of driving hazards. In the summer, heat waves can run your engine down. In the winter, snow, freezing rain, and ice can cause extreme road risks. Rainfall averages 54 inches a year. This is 15 inches above the national average. All of these add up to constant threats on the road, which can raise insurance rates.
TRIP reports that 16 percent of Huntsville's roads are in poor condition. Driving on bad roads costs Huntsville drivers $465 yearly in extra car operating costs.
According to INRIX, Huntsville commuters spent an extra 11 hours driving last year.
Citations and at-fault accidents can affect your driving record. People with bad driving records pay more for car insurance.
A DUI can hurt your insurance rates. Our data shows that drivers with a DUI spend an average of $830 more per year for auto insurance. In 2016, Huntsville Police made 893 DUI arrests. This is down 19.9 percent from the 1,071 DUI arrests made in 2015.
Alabama drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for three to five years. Alabama’s required minimum SR-22 coverage is:
Drivers pay more for insurance in areas with high accident rates. In 2016, Madison County reported 12,121 crashes.
Huntsville reported 19 crash fatalities in 2017.
Drivers in high car theft areas pay more for car insurance. Huntsville Police reported 914 auto thefts in 2016.
Are you looking for affordable car insurance in Huntsville? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Huntsville drivers can use. Get a quote and find out which discounts you qualify for.
Looking for ways to get a discount? Huntsville drivers have many options:
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