Car Insurance in Huntsville, AL – 2025 Rates, Rankings, Cheapest Quotes

• Huntsville car insurance cost averages $2,278 per year, or approximately $190 per month, for a full-coverage policy.
• For cheap car insurance in Huntsville, compact SUV models like the Volkswagen Tiguan, Buick Encore, Hyundai Venue, and Chevrolet Trailblazer have better auto insurance rates.
• Auto insurance quotes in Huntsville can vary significantly from as little as $37 per month for minimum liability limits to well over $696 per month for accident or violation prone drivers.

How much is car insurance in Huntsville, AL?

Average car insurance cost in Huntsville is $2,278 per year, which is about $190 per month. Huntsville car insurance costs 2.5% more than the U.S. overall average rate of $2,221.

The average cost of car insurance in Alabama is $2,300 per year, so Huntsville, Alabama, drivers pay an average of $22 less per year than the overall Alabama state-wide average rate. The cost of car insurance in Huntsville compared to other Alabama locations is $48 per year cheaper than in Tuscaloosa, $210 per year cheaper than in Birmingham, and $56 per year cheaper than in Montgomery.

Driver age significantly impacts the price of auto insurance. The list below illustrates this by showing average car insurance rates in Huntsville for drivers from 16 to 60.

Average car insurance cost for Huntsville drivers age 16 to 60

• 16 year old – $8,110 per year or $676 per month
• 17 year old – $7,857 per year or $655 per month
• 18 year old – $7,043 per year or $587 per month
• 19 year old – $6,417 per year or $535 per month
• 20 year old – $4,584 per year or $382 per month
• 30 year old – $2,430 per year or $203 per month
• 40 year old – $2,278 per year or $190 per month
• 50 year old – $2,020 per year or $168 per month
• 60 year old – $1,892 per year or $158 per month

The chart below shows a summary of auto insurance rates in Huntsville for 2024 model year vehicles, averaged based on a range of driver ages, policy deductibles, and potential risk scenarios.

The average cost of car insurance per month in Huntsville is $190, with policy prices ranging from $158 to $437 for the data shown in the chart above.

Huntsville car insurance rates can cost very different amounts for different drivers and small changes in a driver’s risk profile can cause significant changes in car insurance premiums. The high chance of significant rate differences increases the need to get multiple auto insurance quotes when trying to find a cheaper policy.

Popular vehicle models in Huntsville tend to be small or midsize cars like the Volkswagen Jetta and Honda Accord and small or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.

Some additional popular models in Huntsville from other segments include luxury SUVs like the Acura MDX, Cadillac XT5, and Lexus RX 350, luxury cars like the Infiniti Q50, BMW 530i, and Acura ILX, and pickup trucks like the Ram 1500, Chevy Silverado, and Ford F-150.

We cover auto insurance rates for many more models in the upcoming sections, but before that, let’s quickly revisit some of the key concepts that were presented up to this point.

• Huntsville car insurance costs more than the U.S. average – $2,278 (Huntsville average) versus $2,221 (U.S. average)
• Auto insurance rates drop a lot from age 20 to 30 – The average 30-year-old Huntsville, Alabama, driver will pay $2,154 less each year than a 20-year-old driver, $2,430 versus $4,584.
• A low deductible policy costs more – A 20-year-old driver pays an average of $1,222 more per year for $250 deductibles compared to $1,000 deductibles.
• Car insurance costs less the older you are – Insurance rates for a 60-year-old driver in Huntsville are $2,692 per year cheaper than for a 20-year-old driver.
• Car insurance for teenagers costs a lot – Average cost ranges from $5,424 to $8,110 per year to insure a teenager in Huntsville.

In Huntsville, which vehicles are cheapest to insure?

When all vehicles are compared, the models with the most affordable car insurance prices in Huntsville tend to be compact SUVs and crossovers like the Subaru Crosstrek, Kia Soul, and Hyundai Venue. Average auto insurance quotes for those small SUVs cost $1,850 or less per year, or $154 per month, for full coverage.

Some additional vehicles that have very good car insurance rates in the comparison table below are the Volkswagen Taos, Nissan Murano, Buick Encore, and Buick Envista. The average rates are a few dollars per month higher for those models than the cheapest crossovers and compact SUVs at the top of the list, but they still have an average insurance cost of $1,984 or less per year, or around $165 per month in Huntsville.

The following table details the 20 models with the cheapest car insurance in Huntsville, ordered by annual cost.

The above table containing 20 vehicle models with cheap Huntsville car insurance is great if you just want the lowest rates. Considering the fact that we have over 700 models in our database, a lot of vehicles get left off the list.

Let’s rethink this, dig deeper, and display the models with the cheapest rates in a format that makes more sense, by vehicle segment. The six sections below break out the models with the cheapest insurance rates for each of the primary automotive segments.

Cheapest car insurance rates in Huntsville, Alabama

The four most affordable 2-door and 4-door sedans and hatchbacks to insure in Huntsville are the Toyota GR Corolla at $1,980 per year, Nissan Leaf at $1,996 per year, Honda Civic at $2,018 per year, and Nissan Sentra at $2,088 per year.

Some other cars that have cheaper rates include the Kia K5, Honda Accord, Chevrolet Malibu, and Toyota Prius, with an average cost of $2,218 per year or less.

From a cost per month standpoint, full-coverage auto insurance in Huntsville on this segment for the average driver can cost as low as $165 per month, depending on your location. The rate comparison table below ranks the cars with the most affordable average car insurance rates in Huntsville, starting with the Toyota GR Corolla at $165 per month and ending with the Mazda 3 at $196 per month.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Huntsville car insurance quotes from the best companies in Alabama.

Cheapest SUV insurance rates in Huntsville, AL

Ranking at the top for the most affordable Huntsville car insurance rates in the non-luxury SUV segment are the Kia Soul, Nissan Kicks, Subaru Crosstrek, Chevrolet Trailblazer, and Honda Passport. Auto insurance rates for these models average $151 or less per month.

Additional models that are affordable to insure include the Ford Bronco Sport, Buick Envision, Hyundai Venue, and Toyota Corolla Cross, with average rates of $1,866 per year or less.

From a monthly standpoint, auto insurance in Huntsville on this segment for a safe driver starts at around $140 per month, depending on where you live.

When prices are compared by vehicle size, the most affordable compact SUV to insure in Huntsville is the Subaru Crosstrek at $1,682 per year. For midsize models, the Honda Passport has the best rates at $1,816 per year. And for large SUVs, the Chevrolet Tahoe has the best rates at $2,140 per year.

The next table ranks the twenty SUVs with the most affordable average insurance rates in Huntsville, starting with the Subaru Crosstrek at $1,682 per year ($140 per month) and ending with the Subaru Ascent at $1,982 per year ($165 per month).

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Alabama.

Cheapest luxury car insurance rates

Taking the top spot in Huntsville for the lowest-cost average insurance in the luxury car segment is the Acura Integra, costing $2,026 per year. Second place is the BMW 330i costing $2,320 per year, and third place goes to the Mercedes-Benz CLA250, at an average of $2,344 per year.

Some other luxury cars that have affordable average insurance rates are the Lexus ES 350, Genesis G70, Lexus RC 300, and Cadillac CT4, with average insurance cost of $2,394 per year or less.

In the lower half of the top 20 luxury cars to insure, models like the Jaguar XF, BMW 228i, Lexus ES 250, BMW 230i, and Cadillac CT5 cost between $2,394 and $2,556 to insure per year.

On a monthly basis, car insurance on this segment in Huntsville for a safe driver will start around $169 per month, depending on your company and location.

The comparison table below ranks the twenty luxury cars with the lowest-cost average car insurance rates in Huntsville, starting with the Acura Integra at $2,026 per year and ending with the Audi S3 at $2,556 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see rates for your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Huntsville car insurance quotes from top companies in Alabama.

Cheapest luxury SUV insurance rates

When comparing 2024 models, the top five cheapest SUVs to insure in Huntsville are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Auto insurance rates for these five SUVs range from $1,904 to $2,150 per year.

Other models that have cheaper rates are the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 450h, and Lexus UX 250h, with average annual insurance rates of $2,196 per year or less.

Ranked in the lower half of the top 20, models like the Land Rover Evoque, Lexus NX 350, Infiniti QX50, Infiniti QX60, and Mercedes-Benz GLA250 average between $2,196 and $2,286 to insure per year in Huntsville.

Auto insurance in this segment for a middle-age safe driver starts at around $159 per month, depending on the company and your location.

If rates are ranked by vehicle size, the cheapest compact luxury SUV to insure in Huntsville is the Acura RDX at $1,904 per year, or $159 per month. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,130 per year, or $178 per month. And for large luxury SUVs, the Infiniti QX80 has the cheapest rates at $2,556 per year, or $213 per month.

The next table ranks the SUVs with the most affordable insurance rates in Huntsville, starting with the Acura RDX at $1,904 per year ($159 per month) and ending with the Lexus RX 350 at $2,286 per year ($191 per month).

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Need rates for a different luxury SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Huntsville car insurance quotes from top companies in Alabama.

Cheapest pickups to insure

Taking the top ranking in Huntsville for cheapest auto insurance in the pickup segment is the Chevrolet Colorado, with a cost of $2,008 per year. Second place is the Nissan Titan costing $2,130 per year, the third most affordable is the Nissan Frontier, at an average of $2,156 per year, and coming in fourth is the Ford Ranger, costing an average of $2,178 per year.

Additional models that rank well in our comparison are the Honda Ridgeline, Toyota Tacoma, GMC Sierra 2500 HD, and GMC Canyon, with an average cost of $2,344 per year or less.

On a monthly basis, full-coverage car insurance in this segment for an average middle-age driver starts at an average of $167 per month, depending on your location. The next table ranks the pickups with the most affordable car insurance in Huntsville, starting with the Chevrolet Colorado at $2,008 per year and ending with the Ram Truck at $2,636 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Huntsville car insurance quotes from top companies in Alabama.

Cheapest sports cars to insure in Huntsville

The four cheapest sports cars to insure in Huntsville are the Mazda MX-5 Miata at $2,108 per year, Toyota GR86 at $2,400 per year, Ford Mustang at $2,502 per year, and BMW Z4 at $2,518 per year.

Also ranking in the top 10 are models like the Lexus RC F, BMW M2, Nissan Z, and Toyota GR Supra, with average insurance cost of $2,722 per year or less.

Additional cars that made the list include the Jaguar F-Type, Mercedes-Benz AMG GT53, Porsche Taycan, Porsche 911, and Chevrolet Camaro, which cost between $2,722 and $3,858 per year for insurance in Huntsville.

From a monthly standpoint, car insurance rates in Huntsville on this segment will start around $176 per month, depending on your location and insurance company. The table below ranks the twenty sports cars with the lowest-cost insurance in Huntsville, starting with the Mazda MX-5 Miata at $176 per month and ending with the Porsche Taycan at $322 per month.

Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Huntsville.

How to find cheaper car insurance

Drivers should always be thinking of ways to reduce their monthly insurance expenses. So take a minute or two to look through the money-saving tips below and maybe you’ll be able to save some money.

• Good credit scores mean better rates. Drivers who maintain a credit score over 800 could save $358 per year versus a good rating of 670-739. Conversely, a mediocre credit score could cost up to $415 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Keep your claim-free discount. Most insurers offer discounts for not having any claims. Auto insurance should be used in the case of large financial hits, not small claims that can be paid out-of-pocket.
• Reduce coverage on older cars. Deleting physical damage coverage from vehicles whose value has dropped to the point where coverage is not cost effective will cut the cost of car insurance considerably.
• Earn policy discounts to save money. Discounted rates may be available if the insured drivers insure their home and car with the same company, take a defensive driving course, are good students, work in certain occupations, drive low annual mileage, or many other policy discounts which could save the average Huntsville driver as much as $384 per year.
• Compare the cost of insurance before buying a car. Different cars, trucks, and SUVs have very different costs for insurance, and insurance companies can sell coverages with widely varying rates. Get plenty of comparison quotes before you buy a different car so you can avoid any surprises when buying coverage for your new car.