In Huntsville, Alabama, average annual auto insurance premiums are $520 for minimum coverage and $1,581 for full coverage, which means there are numerous options for affordable car insurance. Quadrant Information Services data shows that Geico has the lowest average annual minimum coverage car insurance rate at $337 and Travelers at $1,026.
Bankrate evaluated customer service ratings, financial stability and coverage options to determine which insurance companies offer the best Huntsville car insurance. Several carriers are worth looking into based on our research.
Huntsville’s best car insurance company
Huntsville has many insurance providers who offer affordable rates, a range of coverage options, and a variety discount options. Bankrate’s editorial team sought out the most recent average premiums from Quadrant Info Services and also looked to industry experts such as J.D. Power’s 2021 Auto Insurance Study, and AM Best for financial stability. These are our top picks for Huntsville’s best car insurance companies based on all these factors.
Geico
Geico offers affordable rates, excellent customer service ratings and financial strength. Geico offers many discounts beyond the usual ways to save premiums such as bundling multiple insurance policies or purchasing a car with additional safety features. Geico also offers military discounts, federal employee discounts, and good student discounts. Geico also has an affiliation discount, which means if you are a member of one of the 500 approved clubs or alumni groups, you can save even more.
USAA
USAA offers insurance for military personnel and their immediate families. Policies are tailored to meet their specific needs. This insurance may be especially beneficial for Redstone Arsenal members, which is located near Huntsville.
USAA offers many benefits and discounts for those who meet the eligibility criteria. You may be eligible for discounts if your vehicle is stored on military bases or deployed.
Travelers
Travelers provides modern coverage options such as rideshare coverage and gap insurance. You also have the option of rental car reimbursement, accident forgiveness and new car replacement coverage through Travelers. The highly-rated app can also be used to manage your insurance policies, file claims, and receive roadside assistance.
Farmers
Farmers is another carrier that has a popular app. Farmers is another carrier that has a popular app. You can manage your policy and request quotes. Farmers offers numerous coverage options, including custom equipment coverage, rideshare coverage, spare parts coverage and an OEM parts option so only original manufacturers parts are used during car repairs.
Huntsville has the lowest car insurance
The average premium for full coverage is $1,581 per annum, but every driver will pay a different premium depending on their policy. Huntsville’s average premiums are lower than the average cost of car insurance in the U.S., which is $1,674 per year for full coverage. It is still slightly more expensive than Alabama’s annual average rates of $1623 for full coverage, and $469 for minimal coverage.
Below is a list of providers that have the lowest Huntsville rates. They were chosen based on market share and rates.
When searching for car insurance, price isn’t the only thing to consider. USAA, for example, has a high rating in customer service, but only current and former military personnel and their families are eligible for coverage. Geico offers lower rates but fewer coverage options than Allstate and Farmers. It is worth getting quotes from several providers to compare premiums, coverage options and customer service scores.
Huntsville insurance requirements
The state of Alabama requires drivers to carry a minimum amount of liability coverage, broken down as follows:
- $25,000 per person to treat bodily injuries
- $50,000 for bodily injury
- $25,000 per accident to cover property damage
Drivers who opt for minimum coverage pay less than those who have higher liability limits or full coverage. You may find that minimum coverage is not enough to cover you in the event there is an at-fault loss. This could lead to out-of-pocket costs.
Your lender or lessor may also require that you have comprehensive and collision coverage if you lease or finance a vehicle. You may be required to have gap coverage by some lessors to cover the difference between the amount owed and the amount the insurance company pays out in the event that the car is totaled.
It is a good idea to get quotes for coverage for uninsured or underinsured motorists. Alabama is ranked sixth highest in the country for the number of uninsured motorists on the roads. If you are involved in an accident with someone who doesn’t have insurance, or has not enough insurance, this option will provide coverage.
Huntsville: Car insurance discounts
Insurance companies that offer car insurance often offer discounts to help policyholders reduce their insurance costs. Huntsville residents have several discounts that are common:
- Safe driving: You might be eligible for a discount if you are a part of a company’s Telematics program that tracks your driving habits through an app or plug-in device. This option is available to many carriers, including Progressive’s Snapshot and Allstate’s Drivewise programs. You may be rewarded with lower premiums if you drive safely.
- Vehicle equipment discounts: You may be eligible for a discount on your auto policy premium if your vehicle features include an anti-theft system and airbags.
- You may get a discount if you’re a student, or an insurable student, who has good grades.
- Bundling policies: This is a great way to save money. You can purchase your auto insurance policy through the same company that you have a homeowners, renters, or condo insurance policy. Multi-policy discounts are often offered by many companies.
Questions frequently asked
Which is the best auto insurance company?
Finding the best car insurance in Huntsville is based on a variety of factors, which will be different for every driver. These factors may include the company’s customer service ratings and financial stability. They also might consider coverage options. It is important to identify the most important features of your insurance policy and to then compare quotes from different companies. A licensed agent can help you navigate the process.
What amount of Huntsville car insurance do you need?
If you lease or finance your vehicle, you might need collision and comprehensive coverage in addition to the minimum liability requirements. You might also consider uninsured motorists coverage. Talking to an insurance professional can help you determine how much coverage is necessary.
What is the cost of Huntsville car insurance?
Car insurance rates in Huntsville are customized for each driver. The average cost of minimum coverage insurance is $520 annually, while the average cost to purchase full coverage insurance is $1581. This is lower than the national average of $565 annually for minimum coverage and $1,674 annually for full coverage, but higher than the Alabama average rates, which are $469 annually for minimum coverage and $1,623 annually for full coverage.