Huntsville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Huntsville, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Low-end car insurance premiums in Huntsville, Alabama, start at $419
Zimlon recently surveyed half-yearly car insurance premiums in Huntsville, Alabama, and found that the cheapest premium rate of $419 is offered by Integon National Insurance Company for 62-year-old married men driving 2012 Ford F-250 super duty crew cabs. Insurance companies evaluate premiums after assessing a driver’s background, driving records, and the type of car being driven. An assessment of the low-end quotes showed that they ranged from $419 to $1,422. USAA Casualty Insurance Company offers a premium of $1,422 for 18-year-old single women driving a 2010 Chevy Silverado 1500 extended cab. For this analysis, Zimlon used data from the Alabama Department of Insurance.
While buying auto insurance, customers are usually asked to choose their coverage limits, deductible values, medical payment limits etc. For this survey, the following coverage limit and deductible values were used as reference points: the collision deductible as $500. The bodily injury per person, bodily injury per accident, and property damage limits as $25,000, $50,000, and $25,000 respectively. The medical payment limit as $1,000.
The difference between the cheapest and median car insurance prices gives an indication of the potential savings for each customer cohort. The study found that 18-year-old single women driving 2010 Chevy Silverado cabs have the highest potential savings if they invest in the right company, since the price deviation between the median and cheapest premium rates is the greatest for this cohort, at $1,232. The median policy for this group of drivers is provided by Alfa Mutual General Insurance Company, at $2,654.
The same cohort of drivers is generally found to pay the most expensive premium rates. Amica Mutual Insurance Company offers the most expensive premium for this cohort, at $8,797. Drivers belonging to this category can save up to $6,143 by investing in policies priced at the median ($2,654) value or lower. Amica Mutual also offers the most expensive premium rate of $5,117 for 30-year-old married men driving 2012 Ford F-250 cabs. The difference between this value and the median insurance rate for this category is significantly high, at $4,006.
Sifting of the low-end premiums shows that Allstate Property and Casualty offers the cheapest quotes in three of seven driver cohorts analyzed. In all seven of them, Amica offers the most expensive rates.
The following graph shows a comparison of premium rates across companies for Huntsville, AL.
The following table compares the car insurance premiums for key companies in Hunstville, Alabama, and provides the names of the companies and the differences between the median and cheapest or most expensive rates.
| Cohort | Cheapest car insurance companies in Huntsville, AL | Second cheapest car insurance companies in Huntsville, AL | Car insurance companies offering median rates in Huntsville, AL | Second most expensive car insurance companies in Huntsville, AL | Most expensive car insurance companies in Huntsville, AL | Difference between cheapest and median prices | Difference in price between most expensive and median prices |
|---|---|---|---|---|---|---|---|
| 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows | United Services Automobile Association ($1,422) | USAA Casualty Insurance Company ($1,513) | Alfa Mutual General Insurance Co ($2,654) | Infinity Select Insurance Company ($6,080) | Amica Mutual Ins Company ($8,797) | $1,232 | $6,143 |
| 18-year-old single women driving 2010 Toyota Camry LE four-door sedans | United Services Automobile Association ($1,236) | USAA Casualty Insurance Company ($1,323) | Garrison Property And Casualty Insurance Company ($2,464) | State Automobile Mutual Ins Co ($4,973) | Amica Mutual Ins Company ($8,455) | $1,228 | $5,991 |
| 25-year-old married men driving 2010 Chevy Silverao 1500 extended cabs with two windows | Allstate Property and Casualty Insurance Company ($670) | Standard Fire ($676) | Integon National Insurance Company ($1,239) | Infinity Select Insurance Company ($2,448) | Amica Mutual Ins Company ($2,764) | $569 | $1,525 |
| 25-year-old single women driving 2010 Toyota Camry LE four-door sedans | Allstate Property and Casualty Insurance Company ($745) | Farmers Insurance Exchange ($822) | Nationwide Mutual Fire Ins Company ($1,211) | Infinity Safeguard Insurance Company ($1,925) | Amica Mutual Ins Company ($3,432) | $466 | $2,221 |
| 30-year-old married men driving 2012 Ford F-250 super duty crew cabs | Allstate Property and Casualty Insurance Company ($648) | Encompass Indemnity Company ($649) | Alfa Mutual General Insurance Co ($1,111) | Infinity Safeguard Insurance Company ($2,708) | Amica Mutual Ins Company ($5,117) | $463 | $4,006 |
| 48-year-old single men driving 2012 Chevy Tahoe LS cars | Progressive Direct Insurance Company ($715) | Progressive Specialty Ins Company ($787) | Country Mutual ($1,078) | ACCC Insurance Company ($2,344) | Amica Mutual Ins Company ($4,195) | $363 | $3,117 |
| 62-year-old married men driving 2012 Ford F-250 super duty crew cabs | Integon National Insurance Company ($419) | Allstate Property and Casualty Insurance Company ($420) | State Farm Mutual Automobile Ins Company ($751) | Infinity Safeguard Insurance Company ($1,749) | Amica Mutual Ins Company ($3,173) | $332 | $2,422 |
Factors that can influence the cost of car insurance in Huntsville, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Huntsville, AL Auto Insurance Rates
- Huntsville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Huntsville, AL
- Multi Vehicle Insurance Savings in Huntsville, AL
- How Credit Score Affects Car Insurance Rates in Huntsville, AL
- How DUI Affects Auto Insurance Premiums in Huntsville, AL
- Top Auto Insurance Agents Near Huntsville, AL
- How Driving Violations Affect Auto Insurance Rates in Huntsville, AL
- Huntsville, AL Auto Insurance Discounts on Anti Theft Feature
- Huntsville, AL Auto Insurance Company Reviews
Huntsville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Huntsville, AL with that of other cities in and around Huntsville.
| Huntsville | Hazel Green | Madison County | Harvest | Redstone Arsenal | Meridianville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,328 | $1,454 | $1,166 | $1,480 | $1,953 | $1,502 |
Huntsville, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Huntsville, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Huntsville | $2,041 | $1,724 |
| Madison County | $1,030 | $870 |
| Meridianville | $1,261 | $1,065 |
| Moores Mill | $1,473 | $1,244 |
| Madison | $1,465 | $1,237 |
| Harvest | $1,466 | $1,238 |
| Redstone Arsenal | $2,012 | $1,699 |
| Hazel Green | $1,498 | $1,265 |
Huntsville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Huntsville, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,309 |
| 20 Years | $1,706 |
| 30 Years | $1,314 |
| 40 Years | $1,265 |
| 50 Years | $1,171 |
| 60 Years | $1,187 |
| 70 Years | $1,382 |
Huntsville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Huntsville, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,258 | $398 |
| 3 Vehicles | $3,386 | $598 |
| 4 Vehicles | $4,515 | $797 |
Savings on 2 Vehicles bundle:$398
Savings on 3 Vehicles bundle:$598
Savings on 4 Vehicles bundle:$797
Huntsville, AL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Huntsville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Huntsville | $1,328 | $2,355 |
| Madison County | $1,166 | $2,067 |
| Meridianville | $1,502 | $2,663 |
| Moores Mill | $1,490 | $2,642 |
| Madison | $1,407 | $2,495 |
| Harvest | $1,480 | $2,624 |
| Redstone Arsenal | $1,953 | $3,463 |
| Hazel Green | $1,454 | $2,578 |
Huntsville, AL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,139 |
| Excellent (740-799) | $1,301 |
| Good (670-739) | $1,384 |
| Average (580-669) | $1,805 |
| Poor (300-579) | $2,166 |
Huntsville, AL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Christina Smith | State Farm | 7262 Governors West NW Ste 103, Huntsville, 35806-2378 | 256-270-9898 |
| Burkett & Associates Insurance Agency Inc | Travelers | 2400 Bob Wallace Ave Ste 206, Huntsville, 35805 | None |
| Alex Adams Jr. | Allstate | 2413 Jordan Ln NW Ste B, Huntsville, 35816 | (256) 722-2045 |
| Tim Barron | State Farm | 151 Hughes Rd Ste A, Madison, 35758-1100 | 256-772-0136 |
| Tony Hodge | Allstate | 5650 Sanderson St NW Ste M, Huntsville, 35805 | (256) 895-6286 |
| Insurance Market Inc | Travelers | 2021 B CLINTON AVENUE WEST STE B, HUNTSVILLE, 35805 | 256-533-5274 |
| J Smith Lanier & Company | Travelers | 206 EXCHANGE PL NW, HUNTSVILLE, 35806 | 256-890-9000 |
| William Stanford | Allstate | 4040 Balmoral Dr SW, Huntsville, 35801 | (256) 881-1100 |
| Community Insurance Llc | Travelers | 401 HOLMES AVE NE, HUNTSVILLE, 35804 | 205-533-5600 |
| James Harris | State Farm | 3311 B Wallace Ave SW Ste 105, Huntsville, 35805-4064 | 256-533-6868 |
| Ted Miller | Farmers | 1871 Slaughter Rd Ste B, Madison, 35758 | (256) 325-9294 |
Huntsville, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$58 | $1,386 |
| Driver's Failure In Showing Documents | +$129 | $1,457 |
| Driving With An Expired Registration | +$137 | $1,465 |
| Driving At A Considerably Slow Pace | +$288 | $1,616 |
| Using A Cellphone While Driving | +$304 | $1,632 |
| Running A Red Light | +$309 | $1,637 |
| Speeding | +$325 | $1,653 |
| Driving A Vehicle Without The Required Permission | +$413 | $1,741 |
| Driving With An Expired/Suspended License | +$895 | $2,223 |
Huntsville, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,275 |
| Active Disabling Device | $1,275 |
| Tracking Device | $1,248 |
| Passive Disabling Device | $1,235 |
Latest Auto Insurance Reviews in Huntsville, AL | Back to Top
ProgressiveI do wait a long time on the phone to connect with a representative, and once connected I am often moved around several times and have to re explain my situation before I receive the correct assistance.
EsuranceI have spent several months looking for the lowest cost rate because I did have to add my family to the plan and esurance by far always gave the lowest price for the same amount of coverage other companies.
State FarmI get full coverage for very cheap because of my family plans and bundles. I cant get a price anywhere near what I pay from anyone else. Its actually close to double.
State Farmthe premium and ductile of the company is good.i satisfied more with it.it is helpful buy car in a easy way.
State Farmthe premium and ductile of the company is good.i satisfied more with it.it is helpful buy car in a easy way.
MetlifeI don't put very many miles on per year (5000-6000), so hopefully, I would receive some benefit from Met Life. Maybe 6,7 years ago I did have a claim (car stuck while parked) and MetLife did come through for me. Each year though, the policy does rise somewhat and they told me it was because other folks are making claims. That didn't sit too well with me. I just feel it's time for me to shop around a bit.
ProgressiveCompared to other companies, the premium is very low when talking about covering ALL of your possessions. The number of events protected against is a big plus as well. The premium is worth paying.
Farmer's InsuranceThe auto insurance company I have used for the past 14 years offers, uninsured, bodily, and accidental coverage options. Since, I have used the same company for so long I have not compared my coverage options against other companies in a few years. I am fairly satisfied with my current options.
AllstateMy company's policy offerings is similar to that of other companies, it's just affordable and easy to maintain.
Allstateit feels like I am talking to someone that genuinely is interested in helping me out. I have only had to call them once but it was a pleasant experience