Best Auto Insurance Rates in Huntsville, Alabama

On average your neighbors pay $60 a month.

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Compare Auto Insurance in Huntsville

Thursday, November 22 2018 By Aaron Besson

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.

Average Huntsville Insurance Rates

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.

Alabama Average Annual Car Insurance Rates
Coverage Rates
Liability $394.21
Collision $317.96
Comprehensive $156.31
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.

Alabama average car insurance rates

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.

Best Car Insurance Companies in Huntsville, AL

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.

  1. GEICO
  2. State Farm
  3. Allstate
  4. Progressive
  5. USAA
  6. Nationwide
  7. Esurance
  8. Liberty
  9. Farmers
  10. AAA

Top 10 Vehicles

These are the most popular makes and models owned by Huntsville, AL QuoteWizard users.

  1. Camry
  2. Altima 2.5
  3. Accord EX/LX
  4. Malibu LS
  5. Ford Mustang
  6. Ford F-150
  7. Forte
  8. Impala/LS
  9. Sonata SE
  10. Versa S

Minimum Car Insurance Requirements in Huntsville, AL

Huntsville, Alabama requires all its drivers to carry minimum liability coverage. The minimum is 25/50/20. This means your policy must include: 

  • $25,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $50,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $20,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident

Recommended Coverage Levels

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: 

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Huntsville Drivers

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.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Weather

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.

Road Conditions

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.

Traffic Congestion

According to INRIX, Huntsville commuters spent an extra 11 hours driving last year.

Moving Violations

Citations and at-fault accidents can affect your driving record. People with bad driving records pay more for car insurance.

DUI and DWAI Arrests

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.

SR-22 DUI/DWAI Insurance

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:

  • $25,000 injury or death to one person in one accident.
  • $50,000 injury or death of two or more people in one accident
  • $25,000 property damage in one accident

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2016, Madison County reported 12,121 crashes. 

Traffic Fatalities

Huntsville reported 19 crash fatalities in 2017.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Huntsville Police reported 914 auto thefts in 2016.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower rates. Looking for ways to get a discount? Huntsville, AL drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  3. Take a certified defensive driving course 
  4. Make sure your car as up-to-date safety features and anti-theft devices
  5. If you live in a safe neighborhood in Huntsville, you could save money 
  6. Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your total bill

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