Table of Contents:
- Huntsville Rates vs. State + National Averages
- Huntsville Auto Insurance Costs by Insurer
- Huntsville Auto Insurance Premiums by Driver Age
- Huntsville Car Insurance Premiums by Gender and Marital Status
- Huntsville Insurance Rates after a Violation or Accident
- Huntsville Auto Insurance Premiums by Credit Tier
- Expensive Huntsville Zip Codes
- Cheaper Huntsville Zip Codes
- List of Insurance Companies in Huntsville
- No-Fault Insurance in Huntsville Information
Huntsville is located in northern Alabama and is home to many important landmarks, like the U.S. Space & Rocket Center. It also has a well-designed road infrastructure system, but if you are a local driver, you may want to research what car insurance is best for you.
Huntsville Rates vs. State + National Averages
Huntsville car owners pay an average of $1,431 per year on car insurance. This is slightly less expensive than the Alabama average of $1,450 and significantly less expensive than the national average of $1,548. You can get cheap car insurance in Huntsville, AL, if you look for personalized offers based on your situation.
Huntsville Auto Insurance Costs by Insurer
The Zebra reports that the auto insurance company with the lowest average rates in Huntsville is Geico at $881 per year, followed by USAA at $882 per year. There is a significant gap between these two and the next companies on the list, with the third-cheapest auto insurer in town being Allstate, with an average of $1,503 per year, followed by Progressive at $1,564 per year and Safeway with an average car insurance rate of $1,614 per year.
According to NerdWallet, the minimum liability limits in Alabama are:
- $25,000 per person for bodily injury liability coverage
- $50,000 per crash for bodily injury liability coverage
- $25,000 per crash for property damage liability coverage
Huntsville Auto Insurance Premiums by Driver Age
Drivers in their fifties pay the least for car insurance in Huntsville, with an average rate of $1,282 per year, closely followed by drivers in their sixties at $1,310 per year. Teen drivers, on the other hand, have to pay the most for car insurance, with an average annual rate of $5,963, which is significantly higher than that of any other age group. In fact, the single best thing a Huntsville-based teen driver can do to lower their car insurance rate is to turn 20 years old, as the costs are then reduced by an average of $3,909.
The average annual rates for all age groups are:
- Teens: $5,963
- Twenties: $2,054
- Thirties: $1,409
- Forties: $1,365
- Fifties: $1,282
- Sixties: $1,310
- Seventies: $1,566
Huntsville Car Insurance Premiums by Gender and Marital Status
A driver's gender and marital situation can influence their car insurance rates. In most situations, married drivers pay less than single drivers, as data suggests that they are less likely to file insurance claims. Huntsville is no different, with married drivers paying $109 less per year than single ones. However, widowed Huntsville drivers pay more than single ones, which is an interesting fact considering that in most other places it is the other way around. Auto insurance rates are also influenced by the driver's gender. Female Huntsville drivers pay $7 less per year on average than male drivers.
The average yearly rates based on marital status and gender are:
- Female: $1,424
- Male: $1,431
- Single: $1,429
- Married: $1,323
- Divorced: $1,431
- Widowed: $1,396
Huntsville Insurance Rates after a Violation or Accident
Having a spotless driving record is a good way to keep your auto insurance costs to a minimum. On the other hand, any incidents such as speeding tickets, DUIs or DWIs, reckless driving situations, and accidents where you are at fault all usually contribute to a significant rise in your auto insurance premiums. The legal blood alcohol limit in Alabama is 0.08, Cheapcarinsurance.net states.
The traffic incidents that cause the biggest rise in auto insurance costs are reckless driving, which increases your car insurance spending by an average of $875 per year, and DUI violations, which cost drivers an average of $912 per year in increased insurance premiums. The driving violation that produces the smallest average auto insurance increase is getting a speeding ticket, with an average insurance premium increase of $227.
The average yearly rates after a violation or accident are:
- DWI/DUI: $2,343
- Reckless driving: $2,306
- At-fault accident with less than $1,000 in damages produced: $1,933
- At-fault accident with more than $1,000 in damages produced: $2,000-$2,068
- Speeding violation by no more than 16-20 miles per hour over the limit: $1,657
Huntsville Auto Insurance Premiums by Credit Tier
Having a good credit score usually results in lower auto insurance premiums, with Value Penguin saying that the costs for drivers with poor credit can be up to 60% higher than for those with good credit. Huntsville makes no exception to this general rule, as drivers with "very poor" credit scores can expect to have auto insurance costs that are up to 63% higher than drivers with "exceptional" credit scores.
Moving up from the "very poor" bracket to "fair" can still help you save a lot of money on car insurance costs, with the average premium for the latter being $1,346 lower on average than for the former.
The average annual auto insurance costs based on credit score tier are:
- Very Poor: $3,114
- Fair: $1,767
- Good: $1,431
- Very Good: $1,286
- Exceptional: $1,143
Expensive Huntsville Zip Codes
According to Insurify, zip codes can significantly influence how much you pay for car insurance, as companies use zip code information to assess various risks, such as weather phenomena, vandalism and theft rates, the local traffic situation, and any other element that would lead to an increase or reduction in auto costs. The most expensive zip codes in Huntsville are 35899, 35898, and 35897.
Cheaper Huntsville Zip Codes
The least expensive zip codes in Huntsville when it comes to auto insurance are 35803, 35802, and 35801.
List of Insurance Companies in Huntsville
Some of the most widely-used car insurance companies in Huntsville are Geico, Progressive, USAA, Allstate, Safeway, State Farm, ALFA, Country Financial, and Travelers.
No-fault Insurance in Huntsville Information
Alabama is not a no-fault state, meaning that Huntsville drivers that cause an accident must use their insurance to pay any costs in medical treatment, auto damage, property damage, or others.
Knowing your local car insurance market can help you make an informed decision and save lots of money on insurance costs. Huntington drivers with good insurance can feel at ease knowing that they are covered in case of an unfortunate situation.
Check this out if you need additional information, resources, or guidance on car insurance. https://www.caranddriver.com/car-insurance/
Sources:
https://www.thezebra.com/auto-insurance/alabama-car-insurance/huntsville-al-car-insurance/
https://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-alabama-al/
https://www.valuepenguin.com/cheap-car-insurance-alabama-study
https://www.cheapcarinsurance.net/huntsville-alabama-car-insurance.html
