GEICO averages the cheap car indemnity rates in Huntsville, including for a state minimal policy or with a slate. USAA has capital rates for military families. For drivers who prioritize quality serve and affordability, MoneyGeek ’ s top choice in Huntsville is Auto-Owners. Your driving profile and coverage needs determine your best car insurance company .iconribbon best car insurance Huntsville

2022

The Cheapest and Best Car Insurance in Huntsville

The Cheapest Car Insurance Companies in Huntsville

On median, the cheapest companies for full coverage car insurance in Huntsville are :

  • GEICO: $728 per year
  • Allstate: $799 per year

USAA has the cheapest rate for full coverage in Huntsville at roughly $ 632 per class but is only available to eligible military members, veterans and their families. MetLife, with an average annual cost of $ 1,594, is about 120 % more than GEICO — MetLife has the most expensive full coverage policy in Huntsville. A entire coverage policy includes liability indemnity and comprehensive and collision insurance. The total of liability you choose assistant determine your rate .

Cheapest Car Insurance in Huntsville

Full Coverage 100/300/100 MoneyGeek calculated the median car insurance rates for different companies using a sample 40-year-old male driver with a entire coverage policy in Huntsville, as our methodology outlines. A full coverage policy is more expensive than a state minimum policy because of its extra coverages on top of liability :

  • Collision insurance: covers at-fault collision damage
  • Comprehensive insurance: covers non-collision-damage like natural disasters, and theft

collision and comprehensive policy are valuable because of the security they provide your car. If you have an old car, you may want to get a department of state minimum or liability-only policy to save money, as fully coverage may cost more than your car ’ sulfur rate. Loading …

Cheapest Car Insurance in Huntsville for Minimum Coverage

In Huntsville and other cities in Alabama, the coverage sum you choose affects your car policy bounty. If you get a policy that lone meets the state minimal requirements, you will pay an median of $ 581 per year. meanwhile, if you get a full coverage policy with higher liability limits, you will pay around $ 544 more annually .

Cheapest Minimum Liability Car Insurance in Huntsville

submit Minimum

  • company State Minimum

    per year

  • 1 .USAA

    $299

  • 2 .GEICO

    $346

  • 3 .Allstate

    $466

  • 4 .Country Financial

    $497

  • 5 .Travelers

    $521

  • 6 .Nationwide

    $534

  • 7 .Farmers

    $549

  • 8 .Progressive

    $575

  • 9 .State Farm

    $596

  • 10. ALFA

    $608

  • 11 .MetLife

    $1,123

Alabama requires an car indemnity policy with 25/50/25 in liability limits. This minimum coverage policy in Huntsville is for the budget-minded, but its abject coverage amounts could cost you money out of pocket in an at-fault accident. For exemplar, if you cause damage to another vehicle that exceeds the policy ’ s $ 25,000 limit, you need to pay the remaining amount .

Alabama Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective level is 100/300/100 .

Cheapest Car Insurance in Huntsville if You Have Driving Violations

A DUI, ticket or at-fault accident violation raises the cost of cable car insurance in Huntsville. On median, the companies offering the best rates, depending on the violation, in Huntsville are as follows :

  • Cheapest after a ticket: GEICO, $866 per year
  • Cheapest after an at-fault accident: GEICO, $1,077 per year
  • Cheapest after a DUI: Allstate, $1,070 per year

USAA has the cheapest rate with a slate or at-fault accident for eligible military members. Huntsville drivers can improve their poor records to get a better car insurance rate, but it takes time. For now, compare quotes and find the best deal for you after a rape .

Cheapest Car Insurance in Huntsville With a Violation

Speeding ticket

  • company Speeding Ticket

    per year

  • 1 .USAA

    $701

  • 2 .GEICO

    $866

  • 3 .Allstate

    $888

  • 4 .Country Financial

    $1,239

  • 5 .Farmers

    $1,264

  • 6 .State Farm

    $1,288

  • 7 .Travelers

    $1,312

  • 8. ALFA

    $1,430

  • 9 .Nationwide

    $1,577

  • 10 .Progressive

    $1,592

  • 11 .MetLife

    $2,234

Average Cost of Car Insurance in Huntsville

Huntsville

$1,125

Alabama

$1,221

U.S.

$1,424

car policy rates vary from city to city. The median price of car indemnity in Huntsville is $ 1,125 per year. In comparison, that is 7.9 % lower than the state average of $ 1,221 and 21 % less than the national average of $ 1,424.

Personalized Quotes to Get You the Cheapest Car Insurance in Huntsville

To determine car insurance quotes in Huntsville, companies assess assorted risks associated with the driver. several factors, such as age, gender, vehicle type, driving record and ZIP code, will impact the annual premium pace. Compare car insurance quotes regularly to find the best cable car indemnity in Huntsville. Loading …

The Best Car Insurance Companies in Huntsville

Huntsville drivers looking for a balance between choice service and affordability can secure the best coverage using MoneyGeek ’ s research of the best companies in the city. MoneyGeek ’ s scoring system found that the best policy providers in the city for most drivers are :

  • Auto-Owners: MoneyGeek score of 90 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

USAA received the highest grade in Huntsville by MoneyGeek ‘s rat system and may be the best choice for military members, veterans and their families. The ranking system used by MoneyGeek consists of factors such as affordability, customer atonement and fiscal constancy scores from J.D. Power .
1

USAA

score :

95

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 2

Auto-Owners Insurance Co

seduce :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 3

ALFA

score :

87.5

4/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A fiscal constancy 4

GEICO

seduce :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 5

State Farm

sexual conquest :

82.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 6

Nationwide

score :

80

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 7

Travelers

score :

80

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 8

Progressive

score :

77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9

Safeco

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 10

Allstate

mark :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 11

Liberty Mutual

seduce :

75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 12

MetLife

grudge :

75

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 13

National General

score :

72.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy

Average Cost of Car Insurance by Postal Code

Your ZIP code will besides have an impact on the cost of car indemnity in Huntsville. For model, drivers who live in the most low-cost vicinity for car coverage in the city — 35811 — pay $ 19 less than the average annual agio in ZIP code 35810 .

  • Zip Code State Minimum

    per year

  • 35811

    $1,116

  • 35810

    $1,135

Factors That Impact Insurance Costs in Huntsville

In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fateful accidents besides contribute to car policy rates in Huntsville. How Huntsville ranks compared to the 300 most populous cities in the United States can have a meaning impact on premium costs .accident2 icon Most Accidents With Fatalities

56th

/ 300handcuffs2 icon Most car Thefts

116th

/ 300uninsured icon Most uninsured Motorists by State

6th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

22nd

/ 300umbrella icon Most showery Days

93rd

/ 300

Methodology and Assumptions

MoneyGeek ’ second average premium rates for Huntsville are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive criminal record. Learn more about MoneyGeek ’ sulfur data and methodology here. About the author

expert-profileexpert-profile Mark Fitzpatrick is a senior contented coach with MoneyGeek specializing in insurance. Mark has years of experience analyzing the policy market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a passkey of Arts .

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