The cheapest car insurance for most drivers in Huntsville comes from State Farm.
According to our 2022 survey of providers, State Farm offers minimum-coverage policies for an average of $75 per month. In terms of full-coverage rates, State Farm also leads the way. The company charges an average of $85 per month for those policies.
USAA offers competitive — and sometimes even cheaper — rates for those who qualify, with rates of $75 and $83 for minimum and full coverage, respectively. However, it only insures former and active military members and qualified family members.
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Cheapest car insurance quotes in Huntsville
In most cases, Huntsville drivers will find the best and cheapest auto insurance rates at State Farm. The company offers minimum-coverage auto insurance for a monthly cost of $75 — nearly half the citywide average of $147.
Progressive presents the next-best option, with minimum-coverage rates averaging $103 a month. Allstate and Nationwide are also solid considerations.
Like State Farm, USAA offers average rates of $75 a month, but only for those who qualify. USAA specifically provides insurance for military members and their families.
Alabama law requires all drivers to hold liability coverage, with coverage meeting specific criteria in three main areas. Here are those requirements:
- $25,000 in bodily injury coverage per person involved in an accident
- $50,000 in bodily injury coverage for all people involved in an accident
- $25,000 for property damage incurred during an accident
| Company | Monthly rate |
|---|---|
| State Farm | $75 |
| Progressive | $103 |
| Allstate | $141 |
| City average | $147 |
| Nationwide | $163 |
| ALFA | $214 |
| GEICO | $254 |
| USAA | $75 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm also has the cheapest full-coverage car insurance rates for most drivers. At State Farm, drivers will get full coverage for $85 a month, on average.
Progressive and Allstate appear next on the list, offering rates of $122 and $148, respectively, for full-coverage policies. Both of those costs are below the citywide average of $163 a month.
USAA again has great rates for Huntsville drivers, but only for those who qualify. For full coverage, the provider charges military members a monthly average of $83 a month.
Full-coverage car insurance typically includes collision and comprehensive coverage in addition to liability insurance. Policies may also include coverage for additional expenses like towing, funeral costs, or uninsured drivers.
No state requires full coverage, but some lenders and lessors do. Also, it’s often recommended for drivers with new or expensive vehicles.
| Company | Monthly rate |
|---|---|
| State Farm | $85 |
| Progressive | $122 |
| Allstate | $148 |
| City average | $163 |
| Nationwide | $178 |
| ALFA | $241 |
| GEICO | $286 |
| USAA | $83 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find cheap car insurance in Huntsville, Alabama
Cheapest car insurance in Huntsville for drivers with incidents
The cheapest car insurance for drivers with a DUI can be found at State Farm. There, a Huntsville driver with one DUI on their record will pay an average monthly rate of $93 for full coverage.
In Huntsville, a DUI increases a driver’s average insurance cost by over $100 a month. Overall, drivers pay a mean monthly rate of $163, but with a DUI that number increases to $289.
| Company | Monthly rate |
|---|---|
| State Farm | $93 |
| Progressive | $170 |
| USAA | $172 |
| Allstate | $200 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm also has the most affordable insurance for those with accident histories. If a driver in Huntsville has one accident on their record, the company charges $105 a month for full coverage.
USAA follows closely behind for those who qualify, offering a monthly rate of $123. Nationwide and Progressive are also solid options, as both have rates below the citywide average of $229.
| Company | Monthly rate |
|---|---|
| State Farm | $105 |
| USAA | $123 |
| Nationwide | $178 |
| Progressive | $226 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Meanwhile, drivers with a speeding ticket should also head to State Farm, as the company offers full-coverage policies for $93 a month, on average.
The figures in our survey are for Huntsville drivers with one ticket on their record. Again, USAA has great options for those who qualify.
| Company | Monthly rate |
|---|---|
| State Farm | $93 |
| USAA | $96 |
| Allstate | $165 |
| Progressive | $168 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheap car insurance in Huntsville for teen drivers
Most teen drivers in Huntsville will find the best minimum-coverage car insurance rates at State Farm at an average of $236 a month.
In Huntsville, teens are much more expensive to insure than adults. For minimum-coverage policies, the citywide average is $147 a month, but for teens, that number jumps to $508. That’s over three times more expensive.
| Company | Monthly rate |
|---|---|
| State Farm | $236 |
| Allstate | $443 |
| Nationwide | $517 |
| USAA | $173 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For full coverage, State Farm once again leads the way. The company charges $268 a month to fully insure an 18-year-old with a clean driving record in Huntsville.
USAA again has stronger offerings for military members, with an average monthly rate of $196. Beyond that, Allstate and Nationwide are the next-cheapest options.
| Company | Monthly rate |
|---|---|
| State Farm | $268 |
| Allstate | $474 |
| Nationwide | $582 |
| USAA | $196 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare car insurance quotes from top companies
Cheap car insurance in Huntsville for senior drivers
State Farm has the cheapest car insurance for senior drivers. The provider offers minimum-coverage policies to Huntsville seniors for $70 a month — that’s the cost for a 60-year-old with a clean driving record.
Progressive is also an affordable choice, with rates of $84 a month. That cost still falls well below the citywide average of $133.
| Company | Monthly rate |
|---|---|
| State Farm | $70 |
| Progressive | $84 |
| Allstate | $136 |
| USAA | $70 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For the cheapest full-coverage car insurance in Huntsville, most seniors should still look to State Farm. If a 60-year-old driver has a clean record, they can expect an average rate of $79 a month for this amount of insurance.
Progressive is yet again a great alternative, with monthly rates of $100 per month. USAA has even stronger rates — $78 a month — for military members.
| Company | Monthly rate |
|---|---|
| State Farm | $79 |
| Progressive | $100 |
| Allstate | $144 |
| USAA | $78 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Huntsville car insurance requirements
In Alabama, all drivers are required to have liability car insurance. That coverage must feature three key elements:
- $25,000 in bodily injury coverage per person involved in an accident
- $50,000 in bodily injury coverage for all people involved in an accident
- $25,000 for property damage incurred during an accident
Additionally, drivers can opt for full-coverage insurance, which usually involves adding collision and comprehensive coverage on top of their state-required liability insurance.
Full coverage is often suggested for drivers with new or expensive cars, and it’s sometimes a condition for working with certain lenders and lessors. That said, no state requires full coverage.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Huntsville ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Alabama’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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