Huntsville Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 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

Progressive
I 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.
Esurance
I 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 Farm
I 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 Farm
the premium and ductile of the company is good.i satisfied more with it.it is helpful buy car in a easy way.
State Farm
the premium and ductile of the company is good.i satisfied more with it.it is helpful buy car in a easy way.
Metlife
I 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.
Progressive
Compared 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 Insurance
The 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.
Allstate
My company's policy offerings is similar to that of other companies, it's just affordable and easy to maintain.
Allstate
it 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