Average car insurance cost in Huntsville, Alabama

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Based on our data, Huntsville drivers pay an average of $1,754 annually for car insurance. It’s $106 less than the Alabama state average and $141 less than the national average.

Insurance rates can differ significantly depending on where you live. Factors like population density, accident rates and theft statistics all play a role in determining premiums. As a result, drivers in some ZIP codes pay higher premiums.

Understanding how car insurance rates in Huntsville stack up against state and national averages can help you make informed decisions. We’ll walk you through local trends, rate changes and how to save on your premiums.

Cheap car insurance companies in Huntsville

Nationwide provides the lowest full coverage car insurance rate in Huntsville, with an annual premium of $1,180 for the liability limits of $100,000 per person, $300,000 per accident and $100,000 for property damage.

Travelers also offers cheap full coverage car insurance rates at an average annual cost of $1,398.

Every insurance company calculates premiums differently based on its unique underwriting guidelines. This means prices can vary widely, so getting quotes from multiple insurers is one of the best ways to find affordable coverage tailored to you.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Huntsville.

Read about the best car insurance companies.

Average car insurance cost in Huntsville by coverage limits

Here’s a breakdown of average car insurance rates in Huntsville by coverage type.

• State minimum coverage: $463 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $675 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $1,754 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $370 per year

While liability insurance is required in nearly every state to drive legally, the minimum coverage limits differ by state. This coverage protects you financially if you’re responsible for injuring someone or damaging their property in a crash.

Minimum liability insurance only covers damage or injuries you cause to others – it won’t help with your own medical bills or car repairs. You should consider adding collision and comprehensive coverage for adequate protection.

Average car insurance rates by gender in Huntsville

In Huntsville, the average annual car insurance cost for female drivers is $1,775. Male drivers, on the other hand, pay $1,734 per year – that’s $41 less than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.

According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Huntsville

Teen drivers in Huntsville face the highest car insurance rates, at $5,859 per year or $488 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $3,165 more for car insurance than young adults.

Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $2,694 annually for coverage – that’s $3,165 less than what teens usually pay.

Adults between 25 and 55 and senior drivers between 60 and 75 in Huntsville pay an average of $1,754 and $1,775 per year for car insurance, respectively.

Read more on auto insurance for seniors.

The table below shows the average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Huntsville

From 2022 to 2023, drivers in Huntsville experienced an upward trend in car insurance premiums, with average rates increase by 19% or about $275.

The graph below tracks insurance costs from 2016 to 2023, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Huntsville are lower than the Alabama state average. Drivers can get affordable insurance rates by shopping around and comparing quotes from at least three to five insurance companies. You should also look for available discounts, such as a safe driver discount, low mileage and bundling discounts.

Methodology

Insure.com commissioned car insurance rates in 2023 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.