The Cheapest Auto Insurance Companies in Huntsville, Alabama, in 2026
In Huntsville, National General offers the cheapest average car insurance, at just $46 per month.
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Written byJ.J. Starr
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J.J. StarrInsurance Writer
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Edited byNick Versaw
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Nick VersawSenior Managing Editor
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On average, drivers in Huntsville, Alabama, spend $100 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, State Farm, and Auto-Owners. 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.
Key Takeaways
National General offers the cheapest car insurance in Huntsville, with average rates starting at $46 per month.
On average, Huntsville drivers pay $129 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.
The Cheapest Car Insurance Companies in Huntsville, Alabama
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.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| National General | $46 |
| Auto-Owners | $49 |
| State Farm | $49 |
| USAA | $49 |
| Allstate | $52 |
| COUNTRY Financial | $53 |
| Progressive | $55 |
| Direct Auto | $56 |
| The General | $65 |
| Travelers | $65 |
| First Acceptance | $66 |
| AssuranceAmerica | $68 |
| Trexis | $69 |
| GEICO | $71 |
| Bristol West | $77 |
| Nationwide | $82 |
| GAINSCO | $83 |
| Farmers | $89 |
| Foremost | $94 |
| Safeco | $94 |
| Dairyland | $106 |
| Root | $107 |
| Liberty Mutual | $143 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, April 13 at 5:00 PM PDT.
Cheapest Car Insurance in Huntsville by Driver and Coverage Type
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 | $46 |
| Full coverage | National General | $98 |
| Teens | National General | $0 |
| Seniors | National General | $0 |
| Recent speeding ticket | National General | $0 |
| Recent at-fault accident | National General | $0 |
| DUI conviction | National General | $0 |
| Excellent credit | National General | $0 |
| Poor credit | National General | $0 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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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 $70 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.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumNational General $46 Auto-Owners $49 State Farm $49 USAA $49 Allstate $52 COUNTRY Financial $53 Progressive $55 Direct Auto $56 The General $65 Travelers $65 First Acceptance $66 AssuranceAmerica $68 Trexis $69 GEICO $71 Bristol West $77 Nationwide $82 GAINSCO $83 Farmers $89 Foremost $94 Safeco $94 Dairyland $106 Root $107 Liberty Mutual $143 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 $129 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.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumNational General $98 Auto-Owners $99 USAA $99 State Farm $100 Allstate $107 COUNTRY Financial $110 Direct Auto $112 Progressive $115 Travelers $136 The General $143 AssuranceAmerica $144 GEICO $148 Root $162 Safeco $162 Trexis $164 Nationwide $169 Farmers $183 Bristol West $184 First Acceptance $184 GAINSCO $209 Liberty Mutual $212 Foremost $254 Dairyland $266 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 $198 per month. Even so, the following companies offer much cheaper rates to Huntsville teens.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumCOUNTRY Financial $90 USAA $95 State Farm $99 Auto-Owners $104 Allstate $107 Progressive $109 Direct Auto $114 The General $122 First Acceptance $131 GEICO $135 Trexis $137 Travelers $141 Bristol West $143 AssuranceAmerica $146 GAINSCO $156 Nationwide $167 Farmers $186 Dairyland $194 Root $195 Safeco $199 Liberty Mutual $263 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 $90, according to our data. But they often find a lower rate with one of the following cheapest car insurance companies.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumState Farm $39 Auto-Owners $40 USAA $41 COUNTRY Financial $43 Allstate $43 Direct Auto $47 Progressive $49 Travelers $53 AssuranceAmerica $55 The General $57 GEICO $58 First Acceptance $59 Trexis $62 Nationwide $64 Bristol West $66 Farmers $72 GAINSCO $72 Safeco $84 Root $92 Dairyland $92 Liberty Mutual $122 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 $133 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.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumState Farm $64 USAA $65 Auto-Owners $66 Allstate $70 Direct Auto $73 Progressive $73 COUNTRY Financial $74 Travelers $87 First Acceptance $88 AssuranceAmerica $89 The General $90 Trexis $92 GEICO $96 Bristol West $100 GAINSCO $103 Nationwide $110 Farmers $118 Safeco $127 Dairyland $136 Root $147 Liberty Mutual $188 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 $137 per month on car insurance premiums, based on our research.
But these companies tend to limit their rate hikes for Huntsvillians with speeding tickets.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumAuto-Owners $66 State Farm $66 USAA $67 Allstate $71 COUNTRY Financial $74 Progressive $75 Direct Auto $78 Travelers $89 First Acceptance $90 The General $91 AssuranceAmerica $92 Trexis $94 GEICO $95 Bristol West $103 GAINSCO $108 Nationwide $112 Farmers $121 Safeco $133 Dairyland $143 Root $146 Liberty Mutual $193 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 $145 per month on car insurance premiums.
But many insurers offer cheaper-than-average rates. Here’s the lowest, according to Compare.com data.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With a DUI
CompanyAverage Monthly PremiumAuto-Owners $71 State Farm $71 USAA $71 COUNTRY Financial $75 Allstate $75 Progressive $80 Direct Auto $81 The General $91 Travelers $94 First Acceptance $96 AssuranceAmerica $98 Trexis $100 GEICO $102 Bristol West $111 Nationwide $119 GAINSCO $120 Farmers $129 Safeco $144 Dairyland $153 Root $156 Liberty Mutual $207 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 $122 per month for car insurance, according to our data. That’s quite a bit more than the $89 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.
The below rates in Huntsville, AL, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumUSAA $59 COUNTRY Financial $63 Allstate $63 Progressive $67 Direct Auto $68 State Farm $70 Auto-Owners $73 The General $79 Travelers $79 First Acceptance $81 AssuranceAmerica $83 Trexis $84 GEICO $87 Bristol West $94 Nationwide $100 GAINSCO $101 Farmers $109 Safeco $115 Dairyland $129 Root $131 Liberty Mutual $170
Our Picks for the Best Auto Insurance in Huntsville
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 | 4.4 |
|---|---|
| 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 |
4.4
Best choiceBased on 157 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 69 USAA reviews
Verified Review
Reviewed in Maryland on April 3, 2026
USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.
Verified Review
Reviewed in Florida on February 21, 2026
Fair price.
Verified Review
Reviewed in Georgia on February 15, 2026
Very good. Reliable. Comprehensive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Perks designed for military members
Excellent customer service
Superior AM Best financial strength rating
Cons
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 |
4.9
Best choiceBased on 14 verified guest reviews and ratings
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 |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
At-fault accident forgiveness available
Deductible savings programs
Many available discounts
Cons
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. | $46/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. | $98/mo |
3.3
A solid optionBased on 64 verified guest reviews and ratings
National General Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.1 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 2.8 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 3.1 | 2.9 |
How drivers feel about National General Insurance
Drivers value the affordable initial rates and good coverage but dislike the unexpected price increases and poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 27 National General Insurance reviews
Verified Review
Reviewed in Ohio on April 13, 2026
My agent Rob is very personable and is always there when I need help.
Verified Review
Reviewed in Washington on April 10, 2026
It became expensive when we got a new insurance policy.
Verified Review
Reviewed in California on February 21, 2026
Too expensive, looking for cheaper insurance as we speak.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
602NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not ratedWhy we picked this company
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.
Pros
Cheaper rates for high-risk drivers
Easy policy management
Lifetime repair guarantees
Cons
Lower-than-average customer satisfaction rating
Below-average claims satisfaction
Few advertised discounts
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Local rates start as low as $46 per month.
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Alabama Auto Insurance Requirements
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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.
Is minimum coverage enough in Huntsville?
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.
Huntsville Auto Insurance FAQs
We’ve answered the most common questions Huntsville drivers ask about car insurance below.
How much is car insurance in Huntsville?
Car insurance in Huntsville, Alabama, averages $100 per month, with liability policies costing $70 and full coverage averaging $129.
What’s the cheapest auto insurance company in Huntsville?
National General offers the cheapest average car insurance rate in Huntsville, at just $46 per month.
Is car insurance in Huntsville expensive?
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 $100 per month on car insurance premiums, compared to the national average of $140.
What are the top five insurance companies in Alabama?
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.
Sources
- IIHS. "Teenagers."
- National Highway Traffic Safety Administration. "Traffic Safety Facts."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance: A Report to Congress By the Federal Trade Commission."
- Texas Department of Insurance. "Use of Credit Information by Insurers in Texas."
- Alabama Department of Revenue. "Mandatory Liability Insurance."
- Alabama Department of Insurance. "The Tort System."
Methodology
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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J.J. StarrInsurance Writer
Nick VersawSenior Managing Editor