+120 more*These quotes are from Compare.com users in and around Huntsville, Alabama within the last 10 days. Updated on August 12, 2026
*These quotes are from Compare.com users in and around Huntsville, Alabama within the last 10 days. Updated on August 12, 2026
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On average, drivers in Huntsville, Alabama, spend $103 per month on auto insurance, according to Compare.com data. That said, rates vary due to a variety of factors, including vehicle, coverage options, and traffic conditions.
Some companies consistently offer more budget-friendly coverage. Huntsville’s cheapest car insurance companies include National General, Auto-Owners, and USAA. But you’ll find deals from dozens of insurers by leveraging discounts, affiliations, and other strategies.
Below, we’ll walk through Huntsville’s cheapest insurers, break down average rates by driver and policy type, and highlight how to choose the right coverage for your needs.
National General offers the cheapest car insurance in Huntsville, with average rates starting at $45 per month.
On average, Huntsville drivers pay $135 for full coverage each month.
Huntsville’s strong military presence makes USAA a particularly valuable option for eligible drivers, offering below-average rates and exclusive member-only perks.
Though price isn’t everything, it’s always a good idea to review which companies tend to offer the most affordable policies in your area. Just keep in mind that the cheapest options in general may not offer the lowest car insurance premium available to you.
In the table below, you’ll find the cheapest car insurance companies in Huntsville, Alabama, according to data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| National General | $45 |
| Auto-Owners | $49 |
| State Farm | $49 |
| USAA | $49 |
| Progressive | $50 |
| Allstate | $52 |
| Country Financial | $55 |
| Direct Auto | $57 |
| Excepsure | $61 |
| AssuranceAmerica | $65 |
| First Acceptance | $66 |
| The General | $67 |
| Travelers | $68 |
| Trexis | $73 |
| GEICO | $74 |
| Bristol West | $80 |
| GAINSCO | $81 |
| Hugo | $89 |
| Farmers | $91 |
| Safeco | $95 |
| Foremost | $99 |
| Dairyland | $104 |
| Insurify Car | $108 |
| Root | $119 |
| Liberty Mutual | $138 |
Many factors can influence your car insurance rates, including your policy’s coverage options and your age, driving record, and credit history. Because of this, it’s a good idea to review average rates for drivers similar to you.
Here, we’ve provided the average car insurance premiums for different driving profiles — along with the cheapest car insurance company for each — based on Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | National General | $45 |
| Full coverage | National General | $94 |
| Teens | National General | $92 |
| Seniors | National General | $36 |
| Recent speeding ticket | National General | $58 |
| Recent at-fault accident | National General | $62 |
| DUI conviction | National General | $63 |
| Excellent credit | National General | $40 |
| Poor credit | National General | $55 |
Comparing quotes can save you up to $867.*
Liability insurance provides bodily injury and property damage coverage. It provides financial protection to pay for some of the damages you cause to others and their property.
Liability insurance is a great fit for drivers with cars valued at less than $5,000 who want the cheapest insurance coverage possible. But it’s not a great option for most drivers, as the overall coverage is minimal.
The average minimum-coverage car insurance rate in Huntsville is $71 per month. But many insurers offer rates that are cheaper than the average.
With that in mind, here are the most affordable companies in Huntsville for liability coverage, based on Compare.com research.
Company | Average Monthly Premium |
|---|---|
| National General | $45 |
| Auto-Owners | $49 |
| State Farm | $49 |
| USAA | $49 |
| Progressive | $50 |
| Allstate | $52 |
| Country Financial | $55 |
| Direct Auto | $57 |
| Excepsure | $61 |
| AssuranceAmerica | $65 |
| First Acceptance | $66 |
| The General | $67 |
| Travelers | $68 |
| Trexis | $73 |
| GEICO | $74 |
| Bristol West | $80 |
| GAINSCO | $81 |
| Hugo | $89 |
| Farmers | $91 |
| Safeco | $95 |
| Foremost | $99 |
| Dairyland | $104 |
| Insurify Car | $108 |
| Root | $119 |
| Liberty Mutual | $138 |
Full-coverage car insurance includes liability coverage, collision insurance, and comprehensive coverage to protect your vehicle from at-fault and non-collision damages. Drivers with a car loan, lease, or who own a car worth more than $5,000 should consider having it (or may be required to).
The average full-coverage car insurance rate in Huntsville costs $135 per month. That said, these car insurance companies regularly provide the cheapest full-coverage car insurance rates in Huntsville, according to data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| National General | $94 |
| Auto-Owners | $99 |
| State Farm | $99 |
| USAA | $99 |
| Allstate | $101 |
| Progressive | $106 |
| Country Financial | $109 |
| Direct Auto | $115 |
| AssuranceAmerica | $134 |
| Travelers | $134 |
| The General | $145 |
| GEICO | $148 |
| Trexis | $163 |
| Safeco | $168 |
| Root | $182 |
| Bristol West | $183 |
| Farmers | $183 |
| First Acceptance | $187 |
| GAINSCO | $206 |
| Liberty Mutual | $216 |
| Dairyland | $235 |
| Foremost | $304 |
Teen drivers usually pay the highest rates of all age groups. That’s largely because teens crash at nearly four times the rate of other age groups.[1] This higher frequency of crashes means insurance companies raise rates to account for the higher risk.
Our data shows that teen drivers in Huntsville pay an average car insurance rate of $203 per month. Even so, the following companies offer much cheaper rates to Huntsville teens.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $91 |
| National General | $92 |
| USAA | $93 |
| State Farm | $98 |
| Progressive | $99 |
| Auto-Owners | $102 |
| Allstate | $103 |
| Direct Auto | $115 |
| Excepsure | $121 |
| The General | $126 |
| First Acceptance | $130 |
| AssuranceAmerica | $139 |
| GEICO | $139 |
| Trexis | $144 |
| Travelers | $146 |
| Bristol West | $147 |
| GAINSCO | $148 |
| Hugo | $176 |
| Farmers | $188 |
| Dairyland | $188 |
| Root | $188 |
| Safeco | $200 |
| Insurify Car | $213 |
| Liberty Mutual | $252 |
On the other end of the spectrum, seniors typically pay the lowest rates due to their lower chance of causing a claim. Older drivers get into fewer crashes compared to other age groups.[2]
Senior drivers in Huntsville pay an average monthly car insurance rate of $93, according to our data. But they often find a lower rate with one of the following cheapest car insurance companies.
Company | Average Monthly Premium |
|---|---|
| National General | $36 |
| State Farm | $39 |
| Auto-Owners | $40 |
| USAA | $41 |
| Country Financial | $45 |
| Progressive | $45 |
| Allstate | $47 |
| Direct Auto | $48 |
| AssuranceAmerica | $52 |
| Excepsure | $55 |
| Travelers | $56 |
| The General | $58 |
| First Acceptance | $60 |
| GEICO | $60 |
| Trexis | $66 |
| Bristol West | $68 |
| GAINSCO | $71 |
| Farmers | $74 |
| Hugo | $80 |
| Safeco | $85 |
| Dairyland | $90 |
| Insurify Car | $98 |
| Root | $112 |
| Liberty Mutual | $117 |
Getting a speeding ticket indicates to insurers that you’re a relatively risky driver. The National Highway Traffic Safety Administration (NHTSA) regularly reports that speeding is a top factor in fatal crashes, including in 2022, when speeding was involved in 29% of all U.S. traffic fatalities, causing over 12,000 deaths. Because of this elevated risk, insurers charge this group higher rates.
Huntsville drivers with a speeding ticket spend around $139 per month for car insurance policies, according to our data. But you’ll have plenty of options for cheaper insurance, especially with one of the following insurers.
Company | Average Monthly Premium |
|---|---|
| National General | $58 |
| State Farm | $64 |
| USAA | $65 |
| Auto-Owners | $66 |
| Progressive | $67 |
| Allstate | $70 |
| Direct Auto | $75 |
| Country Financial | $76 |
| Excepsure | $82 |
| AssuranceAmerica | $86 |
| First Acceptance | $89 |
| Travelers | $91 |
| The General | $93 |
| Trexis | $98 |
| GEICO | $101 |
| GAINSCO | $101 |
| Bristol West | $105 |
| Hugo | $120 |
| Farmers | $121 |
| Safeco | $129 |
| Dairyland | $134 |
| Insurify Car | $146 |
| Root | $147 |
| Liberty Mutual | $183 |
Causing a car accident sends a red flag to insurers, which see a history of accidents as a sign of more to come. But some insurance companies specialize in providing lower rates to people in this group, and many others offer useful discounts or safe driving programs to help you lower rates more quickly.
Huntsville drivers with an at-fault accident pay about $144 per month on car insurance premiums, based on our research.
But these companies tend to limit their rate hikes for Huntsvillians with speeding tickets.
Company | Average Monthly Premium |
|---|---|
| National General | $62 |
| State Farm | $67 |
| Auto-Owners | $67 |
| USAA | $68 |
| Progressive | $70 |
| Allstate | $73 |
| Country Financial | $78 |
| Direct Auto | $80 |
| Excepsure | $85 |
| AssuranceAmerica | $89 |
| First Acceptance | $92 |
| The General | $95 |
| Travelers | $95 |
| GEICO | $101 |
| Trexis | $102 |
| GAINSCO | $107 |
| Bristol West | $109 |
| Hugo | $124 |
| Farmers | $126 |
| Safeco | $136 |
| Dairyland | $141 |
| Insurify Car | $151 |
| Root | $154 |
| Liberty Mutual | $189 |
Getting a driving under the influence (DUI) conviction indicates a high risk to insurance companies, as it shows a history of unsafe driving practices. As a result, insurers charge significantly higher rates to drivers with a DUI.
For this reason, switching to a cheaper insurance company (and leveraging driving training and telematics discount programs) can help you avoid the most drastic rate increases. Huntsville drivers with a DUI spend an average of $142 per month on car insurance premiums.
But many insurers offer cheaper-than-average rates. Here’s the lowest, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| National General | $63 |
| Auto-Owners | $66 |
| State Farm | $69 |
| USAA | $69 |
| Progressive | $69 |
| Allstate | $72 |
| Country Financial | $75 |
| Direct Auto | $80 |
| Excepsure | $84 |
| First Acceptance | $91 |
| AssuranceAmerica | $91 |
| The General | $92 |
| Travelers | $95 |
| Trexis | $100 |
| GEICO | $104 |
| Bristol West | $112 |
| GAINSCO | $113 |
| Hugo | $122 |
| Farmers | $127 |
| Dairyland | $146 |
| Safeco | $146 |
| Insurify Car | $149 |
| Root | $167 |
| Liberty Mutual | $193 |
Insurance companies use your credit history as one factor to determine your risk of making a car insurance claim. Research from the Federal Trade Commission, Texas Department of Insurance, and others shows a correlation between poor credit and a likelihood of filing insurance claims.[3] [4]
Huntsville drivers with bad credit pay around $126 per month for car insurance, according to our data. That’s quite a bit more than the $93 average that residents with great credit pay each month.
But not all insurers use your credit history to determine your rates, and others weigh it less. With that in mind, the chart below features the five cheapest insurance companies in Huntsville for people with less-than-perfect credit.
Company | Average Monthly Premium |
|---|---|
| National General | $55 |
| USAA | $60 |
| Progressive | $61 |
| Allstate | $64 |
| Country Financial | $66 |
| Direct Auto | $70 |
| State Farm | $70 |
| Auto-Owners | $73 |
| Excepsure | $75 |
| Travelers | $79 |
| AssuranceAmerica | $80 |
| First Acceptance | $81 |
| The General | $82 |
| Trexis | $89 |
| GEICO | $91 |
| Bristol West | $98 |
| GAINSCO | $99 |
| Hugo | $109 |
| Farmers | $112 |
| Safeco | $116 |
| Dairyland | $128 |
| Insurify Car | $132 |
| Root | $146 |
| Liberty Mutual | $163 |
No single insurance company offers the best value at the best price to everyone. Some companies offer more appealing policies and prices depending on your specific needs. With that in mind, we chose the following companies as some of the area’s best based on average insurance premiums, coverage options, discounts, and special perks.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers low rates and exclusive benefits to Huntsville drivers with military ties. And its customer service is great, to boot. USAA customers also report some of the highest customer satisfaction rates in the country.
Perks designed for military members
Excellent customer service
Superior AM Best financial strength rating
Limited to military members and eligible family
Few physical locations
Vanishing deductible not available
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 2.7 | 3.2 |
| Customer service | 2.7 | 3.6 |
| Discounts | 2.7 | 2.9 |
| Policy transparency | 2.7 | 3.1 |
| Value | 2.5 | 2.9 |
Auto-Owners offers affordable average rates to Huntsville drivers, plus valuable discounts for bundling policies and getting a quote in advance. The company also offers great options for teen drivers, including discounts for good grades, students away at school, and safe driving with app-based monitoring.
At-fault accident forgiveness available
Deductible savings programs
Many available discounts
Can’t buy a policy online
Lower-than-average claims satisfaction rating
Below-average customer satisfaction rating
| User Reviews | 3.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
National General Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 2.8 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 3.1 | 2.9 |
Drivers value the affordable initial rates and good coverage but dislike the unexpected price increases and poor customer service.
National General is ideal for Huntsville drivers with tickets, accidents, or other issues on their driving records. It specializes in non-standard insurance for high-risk drivers, often providing affordable rates when other insurers can’t. It also offers a lifetime guarantee on repairs from its collection of Gold Medal Repair Shops.
Cheaper rates for high-risk drivers
Easy policy management
Lifetime repair guarantees
Lower-than-average customer satisfaction rating
Below-average claims satisfaction
Few advertised discounts
Local rates start as low as $45 per month.
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Like in most states, Alabama drivers must maintain at least the following minimum car insurance coverages.[5]
$25,000 of bodily injury liability per person
$50,000 of total bodily injury per accident
$25,000 of property damage liability
While not required, it’s a great idea to add uninsured and underinsured motorist (UM/UIM) protection. That way, you have something to fall back on if you’re hit by someone without enough insurance to cover damages. And many insurance experts recommend getting full coverage if you can afford it.
Penalties for driving without insurance include a $500–$1,000 fine, plus a $200–$400 reinstatement fee, depending on whether it’s your first offense or not.
It’s risky to have only minimum coverage. In a crash in which you cause more than $50,000 in bodily injury and $25,000 in property damage, you’d be liable for paying the remainder out of pocket.
That’s why so many insurance professionals (and the State of Alabama)[6] recommend higher coverage limits. Typically, increased limits add just a few dollars each month to your premiums and offer thousands of dollars of coverage when you need it.
We’ve answered the most common questions Huntsville drivers ask about car insurance below.
Car insurance in Huntsville, Alabama, averages $103 per month, with liability policies costing $71 and full coverage averaging $135.
National General offers the cheapest average car insurance rate in Huntsville, at just $45 per month.
Whether you find cheap or expensive car insurance premiums in Huntsville depends on several factors, including your driving record, vehicle, coverage limits, deductibles, and insurer. That said, Huntsville drivers spend an average of $103 per month on car insurance premiums, compared to the national average of $141.
The top five auto insurance companies will depend on a number of factors, but some of the best include USAA, State Farm, Allstate, COUNTRY Financial, and Auto-Owners.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
