Situated in northern Alabama, Huntsville boasts significant landmarks such as the U.S. Space & Rocket Center.
However, if you happen to be a resident driver, it’s advisable to explore the optimal car insurance options for your specific needs.
Average Car Insurance Costs in Huntsville
Huntsville residents spend an average of $1,431 annually on car insurance, slightly below the Alabama average of $1,450 and significantly less than the national average of $1,548.
To find affordable car insurance in Huntsville, individuals are advised to explore tailored offers based on their unique circumstances.
Insurer Disparities in Huntsville
According to The Zebra, Geico and USAA provide the lowest average rates in Huntsville at $881 and $882 per year, respectively.
Allstate follows with an average of $1,503 per year, trailed by Progressive at $1,564 and Safeway at $1,614 annually.
Minimum Liability Limits in Alabama
- NerdWallet minimum liability limits in Alabama:
- $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
Age-Related Variations in Huntsville Auto Insurance Premiums
Car insurance premiums in Huntsville vary by age. Drivers in their fifties and sixties pay the least at $1,282 and $1,310 per year, respectively.
Conversely, teen drivers face the highest average annual rate of $5,963. Upon turning 20, teen drivers experience an average reduction of $3,909.
Average yearly rates across age groups:
- Teens: $5,963
- Twenties: $2,054
- Thirties: $1,409
- Forties: $1,365
- Fifties: $1,282
- Sixties: $1,310
- Seventies: $1,566
Marital Status and Gender Influence on Car Insurance Rates
Marital status and gender play a role in car insurance rates in Huntsville.
Married drivers generally pay $109 less per year than single drivers.
Surprisingly, widowed drivers pay more than singles, while female drivers pay an average of $7 less per year than males.
Average annual auto insurance costs based on credit score tier:
- Very Poor: $3,114
- Fair: $1,767
- Good: $1,431
- Very Good: $1,286
- Exceptional: $1,143
Expensive Huntsville
Zip codes play a significant role in determining car insurance costs, considering factors such as weather conditions, vandalism rates, theft rates, local traffic, and other elements affecting auto costs.
In Huntsville, the most expensive zip codes are 35899, 35898, and 35897.
Cheaper Huntsville Zip Codes
Conversely, the least expensive zip codes for auto insurance in Huntsville are 35803, 35802, and 35801.
List of Insurance Companies in Huntsville
- Geico
- Progressive
- USAA
- Allstate
- Safeway
- State Farm
- ALFA
No-fault Insurance in Huntsville Information
Alabama is not a no-fault state, meaning that Huntsville drivers causing an accident must use their insurance to cover costs related to medical treatment, auto damage, property damage, and other expenses.
Being informed about the local car insurance market enables making prudent decisions and substantial savings.
Huntsville drivers with good insurance coverage can feel assured in case of unfortunate situations.
Certainly! Below are some key details presented in table format for better clarity:
Minimum Liability Requirements in Huntsville, AL:
| Coverage Type | Minimum Amount |
|---|---|
| Bodily Injury Liability per Person | $25,000 |
| Bodily Injury Liability per Accident | $50,000 |
| Property Damage Liability Per Accident | $25,000 |
Penalties for Driving Without Insurance in Huntsville, AL:
| Penalty | Amount/Fine |
|---|---|
| Fine | Up to $500 |
| Registration Suspension | 30 days |
| Registration Reinstatement Fee | $200 |
| SR-22 Form Requirement | One year |
| Second Offense Fine | Up to $1,000 |
| Possible Prison Term | Up to 6 months |
| Registration Reinstatement Fee (Second Offense) | $400 |
Affordable Car Insurance Rates Comparison by Cities in Alabama:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Birmingham | $159 | $49 |
| Decatur | $132 | $41 |
| Mobile | $149 | $47 |
| Montgomery | $149 | $46 |
| Tuscaloosa | $143 | $45 |
Low-Cost Car Insurance Rates by Zip Code in Huntsville, AL:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 35649 | $131 | $41 |
| 35756 | $133 | $43 |
| 35757 | $138 | $46 |
| 35801 | $137 | $45 |
| 35802 | $139 | $46 |
| 35803 | $140 | $47 |
| 35804 | $140 | $47 |
| 35805 | $138 | $46 |
| 35806 | $137 | $46 |
| 35808 | $139 | $47 |
| 35809 | $140 | $47 |
| 35810 | $140 | $46 |
| 35811 | $139 | $46 |
| 35815 | $140 | $47 |
| 35816 | $139 | $46 |
| 35824 | $136 | $45 |
| 35896 | $140 | $47 |
| 35899 | $138 | $45 |
Low-Cost Car Insurance Rates by Age in Huntsville, AL:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $527 | $194 |
| 20s | $158 | $52 |
| 30s | $134 | $44 |
| 40s | $128 | $43 |
| 50s | $122 | $41 |
| 60s | $124 | $43 |
| 70s | $149 | $55 |
These tables provide a concise overview of insurance-related information for Huntsville, Alabama.
Also read: Cheap Renters Insurance Arizona
FAQs for Drivers in Huntsville, AL:
1. What Is the Minimum Liability Coverage Requirement in Huntsville, AL?
In Huntsville, Alabama, drivers must adhere to the following minimum liability coverage requirements:
- $25,000: Bodily injury coverage per person (Maximum payment for serious or permanent injury or death to a single person)
- $50,000: Bodily injury coverage per accident (Maximum payment for serious or permanent injury or death to multiple people)
- $25,000: Property damage per accident (Maximum payment for all damaged property in an accident caused by you)
Additionally, Alabama mandates a minimum of $25,000 per person and $50,000 per accident of uninsured motorist coverage, unless waived in writing.
While meeting the legal requirements, many drivers opt for additional optional coverages for broader financial protection and peace of mind.
2. What Is the Blood Alcohol Concentration (BAC) limit in Huntsville, AL?
It is illegal to drive in Huntsville, Alabama, with the following BAC percentages:
- .08% and above for individuals aged 21 or older
- .04% and above for commercial vehicle drivers
- .02% and above for individuals under 21 years old
Furthermore, Alabama implemented stricter penalties in 2011 for DUI offenders registering a BAC of 0.15% or greater, doubling the minimum penalties compared to lower BAC levels.
3. Does Alabama allow the use of digital insurance cards?
Yes, Alabama permits the use of digital insurance cards.
Drivers can request a digital proof-of-coverage image from their insurance company, allowing them to present it on mobile devices.
This eliminates the need to search through the glove compartment for physical proof of insurance.