UPDATED: Mar 13, 2020
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Cheap Car Insurance in Huntsville, AL
Do you need cheap auto insurance in Huntsville, AL? At AutoInsuranceEZ.com, you could find the best insurance rates where you live. To find free car insurance quotes from the leading providers today, enter your zip code into the quote box on this page.
Huntsville is Alabama’s 4th largest city. It is located in beautiful Madison County and has a long and complex history. Though featured prominently in the American Civil War, today the city is a thriving center of art, culture, and aviation. NASA has a space center located in Huntsville, as well as an Aviation and Missile Command post for the US Army.
- Fun fact: Did you know that Huntsville, AL is #17 on the list of “Top 101 cities with largest percentage of females in occupations: Accountants and auditors (population 50,000+)”?
Auto Insurance Coverage Requirements in Alabama
Huntsville drivers, like all Alabama motorists, require the following minimum coverage:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||20,000/40,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
If you’re trying to save money by only buying the minimum insurance coverage needed, remember that Liability coverage only pays claims if you get into an accident that was your fault. If anything else happens to your vehicle – such as vandalism, theft, or an accident that wasn’t your fault – it could cost you. See more information on car insurance in Alabama below.
The average Alabama driver could end up paying as much as $174 per month, depending on many factors. However, if you choose the right company, have a clean record, and a good credit score, you could be paying as low as $34/month* on average.
According to the data in the chart, Farmers and ALFA are offering the lowest price in the Huntsville area. But just because their rates are the lowest doesn’t mean you’ll get the best value. It might be worth it to pay a little extra each month if your provider has stellar customer service and an easy claims process.
Auto insurance companies evaluate many factors when establishing insurance quotes, including driving violations, accident claims, credit score/rating, driving distance to work, and whether or not you are insuring multiple cars and drivers. In addition, premiums change from provider to provider. To make sure you’re still getting the most favorable rate, compare cheap Huntsville auto insurance quotes online.
Major Car Insurance Factors in Huntsville
Insurance companies take several factors into account when crafting an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your gender or where you live. Other factors your car insurance company may consider include:
Your Zip Code
Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Huntsville is 186,254. The average household income is around $48,199.
Zip codes with a high rate of reported accidents tend to have higher insurance rates, on average. In 2013, there were 21 reported accident-related fatalities in Huntsville, which was down from the previous year.
Auto Thefts in Huntsville
Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Huntsville last year was 703, which reflects a slight decline from previous years. Of course, if you’re worried about theft, you’ll have to add Comprehensive coverage to your auto policy. But doing so will increase your rates, as you can see in the chart below.
Your Credit Score
Your credit score can have a bigger impact on your monthly premiums than you might think. Just look at the data presented in the following chart. For someone with excellent credit, their monthly premium is anywhere from 50-75% cheaper than the monthly costs for someone with poor credit.
The younger you are, and the less experience you have behind the wheel, the more you can expect to pay for your automotive insurance each month. As you can see in the chart below, a teenage driver (without any Good Student or Defensive Driving discounts) has to pay a lot more each month.
Your Driving Record
A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or serious violations such as a DUI, might result in a loss of coverage all together. Be sure to talk to your insurer about Accident Forgiveness discounts in order to save some money.
Naturally, you’ll have to pay more for your insurance when you are insuring an expensive, luxury vehicle. Such cars cost more to replace or repair, should you file a claim, and you will need more than just the state minimum coverage in order to protect your investment.
Minor Car Insurance Factors in Huntsville
Sometimes, even the tiniest detail of your life gets factored into your monthly premium calculation. While one or two of these probably won’t make a huge difference, they can pile up and really alter your monthly payment if you aren’t careful. They are:
Your Marital Status
For individual policies, marital status will only alter the cost of your policy by 2-3%, if at all. However, married couples can get big discounts by bundling their policies together. And if you have homeowner’s or renter’s insurance, you can save even more by bundling those, too.
Believe it or not, most insurance companies don’t charge radically different rates for males or females. Some companies might charge 2-3% more based on gender. However, the growing trend is to charge adults the same monthly rate, regardless of gender. Check with your provider for more information.
Your Driving Distance to Work
Average commute times for Huntsville are a little over 20 minutes, but less for the surrounding areas. Only about 59% of local employees drive to work alone, while 12-13% carpool.
Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.
Your Coverage and Deductibles
Want more than minimum coverage, but don’t have a lot of money? You might consider raising your deductible. A higher deductible can lower your monthly rate, while opening up room in your budget for more coverage.
Education in Huntsville, AL
A fancy job with a high salary can certainly help you pay your premiums each month, but it won’t net you any discounts. However, most motorists can save money on their car insurance by attaining a higher level of education. For Huntsville, many of its citizens have a bachelor’s degree in addition to a high school diploma.
While Huntsville is a popular city for satellite locations of larger universities, it has its own unique institutions as well. The University of Alabama in Huntsville boasts a wide array of engineering and scientific programs with nearly 8,000 students enrolled. Oakwood University is renowned for not just its medical program, but athletics as well.
Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.
How We Conducted the Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Locate Companies that Offer Lowest Rates on Auto Insurance in Huntsville, AL by entering your Zip Code into the calculator below.