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How much is car insurance in Huntsville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage 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. It's about $17 cheaper to insure your vehicle in Huntsville compared to the average rate for the U.S. as a whole.
While these numbers represent the average monthly payments for coverage in Huntsville, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Huntsville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Huntsville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Huntsville may see their rates rise again once they hit retirement.
Huntsville Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Huntsville, this difference shakes out to about $9 a month. As illustrated in the table above, female drivers in the area pay about $59 on average, while male drivers pay around $68 each month.
Huntsville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Huntsville, a driving record with one accident will usually get you a rate around $88 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $66.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Huntsville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$56|
The cheapest vehicles to insure in Huntsville are typically SUVs, with each type typically costing about $57 per month.
Truck and van drivers will see rates of about $64 to insure their car, while car owners usually pay around $65 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Huntsville are vehicles less than one year old.
Huntsville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Huntsville follows that pattern, with the difference totaling to around $12 a month.
Huntsville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your living situation is another factor that affects your monthly rate. In Huntsville, homeowners can expect to pay around $11 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 car insurance premiums.
Car Insurance Companies in Huntsville, TX
Recent trends in car insurance for Huntsville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Car insurance rates in Huntsville had been increasing from 2017-2018, before leveling out in 2019. They finished down in 2022, at $57 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 lot of factors when they're choosing how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Amount of drivers in the area
- Road Safety (frequency of local car accidents)
- Area laws
- Off-street parking accessibility
- Rate of crime
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Huntsville in no time.
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Huntsville Auto Insurance FAQs
What factors affect car insurance quotes in Huntsville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and 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?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Huntsville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Huntsville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Huntsville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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