Table of contents
How much is car insurance in Huntsville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Huntsville are in line with rates across the rest of Texas.
Similarly, car insurance rates in Huntsville are often favorable when viewed against the rest of the country. You can expect to pay about $18 less for your policy in Huntsville than in the rest of U.S.
While these are the average monthly costs for auto insurance coverage in Huntsville, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Huntsville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Huntsville may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Huntsville is about $7 a month. As illustrated in the table above, female drivers in the area pay about $60 on average, while male drivers pay around $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Huntsville, a driving record with one accident will usually get you a rate around $84 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $66.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$56|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Huntsville, with drivers paying around $58 per month for auto insurance coverage.
Truck and van drivers will see rates of about $64, while the rates for car owners average out to about $65 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Huntsville, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Huntsville as well, where the difference is around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
One other element taken into consideration is your housing status. Renters can expect to pay around $11 a month more than those who own their own home in Huntsville. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Huntsville, TX
Recent trends in car insurance for Huntsville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Huntsville, auto insurance rates went up from 2017-2018, before leveling out in 2019. Policy premiums finished down in 2022, at $43 a month
How does Huntsville compare to neighboring areas?
Why are car insurance rates in Huntsville different from other areas?
Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of car accidents
- Local laws
- Amount of drivers in the region
- Off-street parking availability
- Regional crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Huntsville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Huntsville.
Huntsville Insurance FAQs
What factors affect car insurance quotes in Huntsville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Huntsville different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Huntsville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Huntsville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Huntsville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.