The Cheapest Auto Insurance Companies in Huntsville, Alabama, in 2025
In Huntsville, National General offers the cheapest average car insurance, at just $48 per month.
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Written byJ.J. Starr
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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In This Article
On average, drivers in Huntsville, Alabama, spend $95 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.
Key Takeaways
National General offers the cheapest car insurance in Huntsville, with average rates starting at $48 per month.
On average, Huntsville drivers pay $122 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 are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| National General | $48 |
| Auto-Owners | $53 |
| USAA | $53 |
| State Farm | $54 |
| Direct Auto | $56 |
| Allstate | $58 |
| COUNTRY Financial | $59 |
| The General | $71 |
| Travelers | $72 |
| Bristol West | $74 |
| GEICO | $79 |
| AssuranceAmerica | $82 |
| Root | $85 |
| Nationwide | $91 |
| GAINSCO | $92 |
| Foremost | $93 |
| Safeco | $95 |
| Farmers | $99 |
| Dairyland | $106 |
| Liberty Mutual | $172 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 | $48 |
| Full coverage | Auto-Owners | $90 |
| Teens | COUNTRY Financial | $100 |
| Seniors | National General | $38 |
| Recent speeding ticket | National General | $61 |
| Recent at-fault accident | National General | $64 |
| DUI conviction | National General | $69 |
| Excellent credit | National General | $42 |
| Poor credit | National General | $59 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 $68 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.
Cheapest Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $122 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.
Cheapest Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $192 per month. Even so, the following companies offer much cheaper rates to Huntsville teens.
Cheapest Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $84, according to our data. But they often find a lower rate with one of the following cheapest car insurance companies.
Cheapest Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $126 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.
Cheapest Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $128 per month on car insurance premiums, based on our research.
But these companies tend to limit their rate hikes for Huntsvillians with speeding tickets.
Cheapest Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $132 per month on car insurance premiums.
But many insurers offer cheaper-than-average rates. Here’s the lowest, according to Compare.com data.
Cheapest Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $119 per month for car insurance, according to our data. That’s quite a bit more than the $83 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.
Cheapest Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 | 4.3 |
|---|---|
| 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. | 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. | $52/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. | $92/mo |
4.3
Best choiceBased on 119 verified guest reviews and ratings
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
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
Reviews (65)
Lonny
Verified Review
SCAM
Reviewed in Georgia on September 2025
Be sure all the numbers match your conversation with the agent! My outcome is $80 more a month than when I purchased the plan!
Clifford
Verified Review
Rate hikes yet again. Leaving USAA after 28 years.
Reviewed in Arizona on July 2025
They have significantly increased rates over the last few years. I have excellent credit, a clean driving record, and no claims, yet rates increased again this renewal by another $160 per 6 months. My rate has increased over $400 in the last 18 months to now $1562.68 for 6 months.
Natalya
Verified Review
SCAM
Reviewed in Colorado on July 2025
Our experience with USAA was horrendous. We lost our home to Hurricane Beryl. Having been a member for 27 years and never making any claims, this experience was indescribable.
USAA, to whom we had paid $410.36 for years, had me doing their job. No tickets, no DUI, and a 20-year-old driver. That is too expensive for anyone.
After Beryl, there was no power, which meant no electricity, no internet, no open stores, no food, and no gas.
By the beginning of the second month, USAA tried to make Texas Wind and Air responsible, then FEMA, for paying for the broken roof, fallen trees, flooded home, and damaged AC. We decided to pack up and move on our own dime again.
USAA is and always will be a ripoff. Very expensive to be a USAA member. Never again. We are just fine with AAA. Personally, the old ways of taking care of folks with insurance are only found and available with AAA.
USAA has not stopped offering me a job with their claims department since Hurricane Beryl, though. I must know what I am doing better than my agent, who got fired for drinking and falsifying claims documents.
There's more to the storyline with USAA. Plan on having to call them constantly to make sure they are at work.
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 | 4.3 |
|---|---|
| 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. | 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. | $52/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. | $93/mo |
4.3
Best choiceBased on 14 verified guest reviews and ratings
How drivers feel about Auto-Owners Insurance
Drivers value the excellent customer service and coverage but feel the prices, especially for homeowners, can be high.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Auto-Owners Insurance
Drivers value the excellent customer service and coverage but feel the prices, especially for homeowners, can be high.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (9)
Elizabeth
Verified Review
Good but expensive
Reviewed in Alabama on January 2025
Good but expensive
Elizabeth
Verified Review
Excellent
Reviewed in Alabama on January 2025
Good, but expensive.
Elizabeth
Verified Review
Good but expensive
Reviewed in Alabama on January 2025
Good but expensive
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. | $47/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. | $100/mo |
3.3
A solid optionBased on 47 verified guest reviews and ratings
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
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
Reviews (24)
James
Verified Review
Won’t pay a claim without a fight
Reviewed in Missouri on November 2025
I had one very small claim and had to get my agent involved for them to pay.
Sarah
Verified Review
I would never recommend National General to a friend. They delayed for more than a year on paying for a significant claim. We were fully covered, and they initially refused to pay. I don't know what happened in the end that they did pay, but somebody had to intervene.
Reviewed in Washington on July 2025
I would never recommend National General to a friend. They delayed for more than a year on paying for a significant claim. We were fully covered, and they initially refused to pay. I don't know what happened in the end that they did pay, but somebody had to intervene.
Ernest
Verified Review
Worst Insurance Company
Reviewed in Kentucky on February 2025
This is the worst insurance company on the market. They are dishonest and seem to take our money unfairly. I'm currently looking for a different insurance company. I wouldn't recommend them to anyone. Stay away.
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.
NRAM 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).
NRWhy 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
Find the Best Company for You
Local rates start as low as $48 per month.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
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 $95 per month, with liability policies costing $68 and full coverage averaging $122.
What’s the cheapest auto insurance company in Huntsville?
National General offers the cheapest average car insurance rate in Huntsville, at just $48 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 $95 per month on car insurance premiums, compared to the national average of $137.
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.
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.
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."
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J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.