Huntsville Car Insurance

Your Complete Car Insurance Guide for Huntsville, AL

Find the right car insurance policy for you.

In 1811, Huntsville became the first incorporated town in Alabama. Today it is the third-largest city in the state and is home to the second-largest research park in the nation. Huntsville ranks among the top 25 most educated cities in the U.S. and is also considered one of the nation’s high-tech hotspots. Many defense workers and engineers also live and work in Huntsville. No matter where you live or work in Huntsville, you face danger on the crowded roadways. Unfortunately, auto theft can be a problem in the city, as well. 

With car insurance, you can feel secure that you can recover if your car is stolen or you are involved in a crash. And no one is better suited to help you than an Independent Insurance Agent. Our local agents will assess the unique risks you face, and your agent will work hard to find you a Huntsville car insurance policy that meets your needs while staying within your budget.

Cost of Car Insurance in Huntsville

Did you know? The average cost of Huntsville car insurance is $149 per month. 

Huntsville car insurance is affordable, in general. But everyone’s car insurance rates are personal. To determine your rates, insurance companies look at where you live, the car you drive, and how far you drive to and from work or school, and more. If you feel you are paying more than you should, it might be time to shop around. 

Our agents will find a policy that tackles your risks and fits within your price range, giving you peace of mind when you're behind the wheel. Independent agents can offer options from multiple insurance companies, so you can be sure you are getting the best deal. 

Huntsville Car Insurance Requirements

Car insurance is essential for all Alabama drivers. It can help you pay for injuries or damage if you cause an accident. And it can help you repair or replace your car if it is stolen or damaged in some other way. Be aware that the minimum coverage amount required in the state of Alabama probably won’t be sufficient if you’re in a serious accident. Here are just a few of the ways that a Huntsville car insurance policy can help you.

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $25,000 required
  • Personal Injury Protection (PIP): Not required

Who Pays If the Accident Wasn’t My Fault?

The driver who caused the accident, of course. Approximately 19.6% of drivers in Alabama are uninsured. If you’re in an accident with an uninsured driver, you’re on the hook for your own vehicle damage, even if the accident was the other driver’s fault. That's why Alabama drivers need “uninsured motorist coverage.” If you are hit by an uninsured driver, it will pay to fix your vehicle and handle your medical bills. Uninsured motorist coverage is required in some states. But Alabama does not require you to have uninsured motorist coverage. 

What Affects the Cost of Huntsville Car Insurance?

Monthly auto insurance premiums vary greatly from city to city, and from person to person. It’s a good idea to know the factors that influence your own car insurance rates. Insurance companies look at:

  • Your age
  • Your gender
  • Where you live
  • Your history of accidents and claims
  • The kind of car you drive
  • The number of cars and drivers in your household

The type of car you drive is one of the biggest factors in the cost of a Huntsville car insurance policy. Insurance companies are concerned with the costs of repairing and replacing your vehicle if it is stolen, damaged or totaled. It’s pretty simple. New cars cost more to insure than older models. Luxury vehicles cost more to insure than modestly-priced vehicles. Hybrids cost more to insure than similar gas-powered cars. And cars with powerful engines cost more to insure than those that won’t tempt you to drive too fast. 

If you really want to lower your car insurance rates, stick to an older, less-expensive car that is not likely to be stolen, is cheaper to repair, and won’t increase the likelihood of speeding tickets or accidents.

City Factors That Will Affect Your Rate:

Commute Time

It’s simple: the more time you spend on the roads, the more likely it is that you'll be in an accident. Huntsville drivers spend less time on the road than most, which can help keep insurance rates relatively low.

  • National average: 25.4 minutes
  • Huntsville average: 17.7 minutes

Number of Auto Thefts in Huntsville

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Huntsville: 4.01 

Vehicle theft in Huntsville is higher than in the U.S. overall. Residents of the city can expect auto insurance rates to be higher for this reason. Without car insurance, could you afford to pay out-of-pocket for a stolen or vandalized vehicle? Car insurance is necessary to help reimburse you should you become a victim of auto theft. Huntsville residents can try to prevent auto theft with some common sense deterrents:

  • Never leave your car keys in your vehicle
  • Keep your vehicle in the garage whenever possible
  • Never leave valuables in your vehicle, especially where they can be seen
  • Never leave your vehicle running when you leave it 
  • Always roll up the windows and lock your car, even at home
  • Always park in high-traffic, well-lit areas
  • Consider installing a mechanical device that locks the steering wheel, steering column or brakes
  • Consider installing a car alarm

If your car is stolen, report it to the police and your insurance agent immediately.

Find Affordable Car Insurance in Huntsville

Our independent insurance agents can get quotes from numerous insurance carriers so you have a variety of options. They will assess your risks and answer your questions so they can find the coverage that best fits your needs and budget. Quality, affordable coverage for Huntsville residents is just a few clicks away. 

Start your search for a local agent now.

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