Find Car Insurance in Huntsville, Alabama

What You Should Know About Car Insurance in Huntsville, AL

Huntsville, founded in 1805, was incorporated as the first city in Alabama in 1811, and today has the most residents of all cities in the state. You may hear as many as 100 languages in Huntsville due to about 10% of these residents having relocated from other countries, including Germany, Korea, and Japan. In 1819, upon Alabama’s admission to the Union, delegates made Huntsville the state’s capital. This designation, however, was transferred to other cities before ending up in Montgomery.

When you are out and about, you may notice an airplane and rocket theme around town. These features reflect that NASA’s Marshall Space Flight Center, the Army’s Aviation and Missile Command, and U.S. Space and Rocket Center — where you can participate in simulated astronaut training — are all located in Huntsville, also referred to as Rocket City. The city also has plentiful parks, a number of arts organizations, including museums and a symphony orchestra, as well as the renowned Robert Trent Jones Golf Trail that covers 21 courses in eight Alabama cities.

Huntsville sees a lot of traffic, especially on the US-231 and US-431, where the two converge at I-565. Be sure to protect yourself from the daily risks these busy highways pose by having the best car insurance in Alabama. You can find it with expert agents ready to compare high-quality insurance to find you a personalized plan at competitive rates.

How Much Does Car Insurance Cost in Huntsville, Alabama?

If you are an Alabama resident who drives, you can expect to pay about $441 for minimum liability and $1,843 for full coverage auto insurance premiums. This is less than the national average of $622 for minimum and $2,014 for full coverage.

What Does It Mean If Alabama Is an At-Fault State?

Alabama is an at-fault state for vehicle accidents, which means the driver determined to be at fault is responsible for covering all damages, including repairs for vehicle or other property damage and medical expenses. Insurance adjusters look at accident reports and available security camera footage, witness interviews, and photos taken by the drivers to help them determine fault.

If you only have liability coverage, your own damage and medical expenses will be excluded, and paying out of pocket could put a wrench in your bank account. Your agent can provide you with the specifics of the extra coverage available to make sure you are protected.

Affordable Car Insurance Rates Comparison by Cities in Alabama

You might wonder why your friend in another Huntsville zip code pays more for insurance than you. Agents take into account certain statistics in each location, such as car theft rates and the number of cars on the road. Here are some average prices for coverage in different Alabama cities:

City	Full Coverage Insurance	Liability Insurance Coverage
Huntsville	$120	$35
Birmingham	$141	$40
Mobile	$136	$39
Jacksonville	$121	$33
Tuscaloosa	$127	$36

How Bundling Your Car and Homeowners Insurance Can Save You Money in Huntsville

If you are looking for an easy way to save money on your car policy and you also need another type of coverage, like homeowners insurance for your home in Mountain Brook or in any other Huntsville neighborhood, you might consider bundling. Simply put, bundling is buying both policies from one insurer. Bundling provides notable savings (up to 25% off your policies) and means just one bill to pay and one policy to manage.

Your InsureOne agent can provide you with one-stop-shop service by providing you with both these policies and any other insurance, such as RV, boat, motorcycle, renters, or landlord coverage.

What Types of Car Insurance Discounts Are Available in Huntsville?

Ask your agent about additional discounts besides bundling. You may qualify for any of the following:

• Paperless billing
• Anti-theft features
• Good student grades
• Clean driving record
• Completion of safe driving class
• Low mileage

Notable Car Insurance Laws in Huntsville

Huntsville follows Alabama-mandated laws that require all state residents who are drivers to have liability insurance. This coverage proves you are responsible for covering damage if you are found at fault in an accident. While this insurance provides valuable protection, you will need to purchase additional coverage to cover your own vehicle and your medical expenses. Your agent can help you figure out the appropriate coverage choices for your lifestyle.

What Are the Mandatory Car Insurance Requirements in Huntsville?

The minimum insurance Alabama drivers must carry is as follows:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability

Your agent can provide you with information about add-on coverage, like collision insurance, as well as comprehensive, which covers non-accident damage such as loss from theft and certain natural disasters, to help you find the right amount of coverage.

If you still owe money to your lender on your vehicle, gap insurance will cover the difference between what you owe and your car’s depreciated value. Your expert agent can answer all your questions about policy options and come up with a customized plan just for you.

What Is the Penalty for Driving Without Insurance in Huntsville?

If you are caught driving uninsured in Huntsville or anywhere else in Alabama, which is illegal, you may suffer the following consequences:

• Fines of up to $1,000
• Jail time between three and six months
• Vehicle registration suspension
• License suspension
• Fees for reinstatement

What Factors Go into My Car Insurance Cost in Huntsville?

There are other factors agents review besides your zip code statistics when determining your rates. These include:

• Your credit history
• Vehicle make and model
• Vehicle age
• Years of driving experience
• Driving record (e.g., tickets and accidents)
• Number of miles you drive
• Marital status

Typical Driving Conditions in Huntsville

There are more than 3,200 miles of paved roads in Huntsville. The city’s Public Works department team completes regular pothole, sinkhole, curb, and gutter repairs for driver safety.

Despite the city’s efforts to maintain safe driving conditions, accidents can happen in an instant, especially due to such factors as the upsurge in speeders around Redstone Arsenal. A few of the other busy roadways include the intersection of Old Madison Pike and Research Park Boulevard, or the intersection of Memorial Parkway and Governors Drive. Knowing you have the right high-quality insurance can give you peace of mind as you travel.

How Many Car Accidents Happen in Huntsville Per Year?

Larger cities have more cars on the road. The highway hustle and bustle, especially during rush hour, can lead to accidents. Here is how Huntsville’s car accident statistics compare to some other Alabama cities:

City	Annual Average Number of Fatal Car Crashes
Huntsville	26
Birmingham	43
Mobile	36
Jacksonville	0
Tuscaloosa	6

How Many Uninsured/Underinsured Motorists Are in Huntsville?

Alabama ranks 15th out of the 50 states for the number of uninsured drivers. Statistics from 2023 show 16.8% of the state’s drivers lack insurance. These numbers prove the importance of uninsured/underinsured motorist coverage. This little extra payment provides peace of mind by protecting you from the financial hardship you may experience due to an encounter with one of these drivers.