Car insurance is a necessity for drivers but finding an affordable policy can be a challenge. This is especially true in Huntsville Texas, where rates are higher than the national average. Fortunately, there are ways for Huntsville drivers to secure cheap car insurance.
At Insurify, we compared rates from top providers to find the most budget-friendly options in Huntsville. Here’s what drivers need to know about getting low-cost coverage in the Rocket City.
Average Car Insurance Costs in Huntsville
According to Insurify data, Huntsville drivers pay an average of $176 per month for car insurance. This is slightly less than the statewide average premium of $183 per month in Texas.
While Huntsville’s rates are lower than other Texas cities, they are still higher than national averages. Across the U.S., drivers pay approximately $178 per month for coverage.
Huntsville’s higher than average premiums may be influenced by a few key factors
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Population density: With over 2,100 residents per square mile, Huntsville has a high population density compared to statewide averages. Densely populated areas often have higher insurance rates.
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Auto theft rates: Huntsville has a slightly higher than average auto theft rate, which can contribute to more expensive premiums.
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High traffic areas: Busy roads and intersections increase the likelihood of accidents occurring. Huntsville has congested areas like I-45 that insurers may view as high-risk.
Ways to Find Cheap Car Insurance in Huntsville
The good news is Huntsville drivers have options when it comes to securing an affordable auto policy. Here are some tips for lowering your costs:
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Compare quotes. Rates can vary widely between insurers. Comparing at least three quotes yields the best chance at finding the lowest price.
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Maintain good credit. In Texas, insurers use credit-based insurance scores to set premiums. Keeping your credit score in good shape can lower your costs.
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Ask about discounts. Most insurers offer discounts that can help offset high base rates. Asking about all available discounts can help you save.
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Raise your deductible. Opting for a higher deductible decreases monthly premiums. Make sure you can afford the out-of-pocket costs before raising your deductible.
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Bundle policies. Bundling auto insurance with homeowners or renters insurance earns a multi-policy discount from most providers.
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Consider usage-based programs. Usage-based or telematics programs track driving habits and offer discounted rates for safe driving.
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Drop unnecessary coverage. Consider dropping comprehensive and collision coverage on older cars worth less than 10 times the yearly premiums.
Cheapest Car Insurance Companies in Huntsville
To find affordable car insurance options in Huntsville, we looked at companies with the lowest average rates in the city. Here are some top cheap car insurance providers for Huntsville drivers:
State Farm
With an average monthly premium of just $62 for full coverage, State Farm offers some of the lowest rates in Huntsville. The insurer earns high customer satisfaction marks and offers many discounts to reduce costs further.
GEICO
Known for its affordable premiums and abundant discount opportunities, GEICO is another budget-friendly option in Huntsville. Full coverage policies average $68 per month.
Allstate
Allstate beats the city average by a wide margin, with average full coverage premiums of $88 per month. It offers accident forgiveness and safe driving bonuses for long-term savings.
Mile Auto
A newcomer to the insurance scene, Mile Auto uses technology to offer ultra-low rates without compromising coverage. Full coverage runs only $108 per month on average.
Clearcover
For drivers who prefer a streamlined, online insurance buying experience, Clearcover could be a good fit. Average monthly premiums sit at $135 in Huntsville.
Required Auto Insurance Coverage in Texas
Under Texas law, all drivers must carry a minimum level of liability insurance. The required coverage amounts are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
Without this coverage, you risk fines and a suspended license if stopped by police. Many drivers opt for more than just basic liability insurance for better financial protection.
Full coverage insurance is highly recommended but not legally required in Texas. It safeguards against pricey accident repairs and damage from weather, theft, vandalism and more.
Average Car Insurance Rates by Age and Gender in Huntsville
Insurance companies set rates based on the level of risk a driver represents. Factors like age and gender play a role in determining your risk profile. Here’s how Huntsville car insurance prices break down by age and gender:
Annual Full Coverage Rates by Age
- Teen drivers under 18: $4,104
- 18-25 year old drivers: $2,868
- 25-35 year old drivers: $2,088
- 35-60 year old drivers: $1,788
- Drivers over 60: $1,956
Younger drivers pay significantly more for coverage due to lack of experience behind the wheel. But once teenager rates drop off, premiums stay relatively steady until a senior discount kicks in around age 60 to 65.
Annual Rates by Gender
- Annual premiums for men: $2,844
- Annual premiums for women: $2,544
Gender plays a smaller role in rates, with men paying about 10% more per year compared to women in Huntsville. Insurers consider men riskier drivers based on historical crash data.
Married couples can save by having the lower risk spouse as the primary policyholder. Bundling together can also help offset higher individual rates.
How Your Driving Record Impacts Insurance Costs
Driving history plays a major role in determining premiums. Listed below are how common driving incidents impact average annual rates for Huntsville drivers with otherwise clean records:
- At-fault accident: $516 increase
- Speeding ticket: $198 increase
- DUI: $1,104 increase
- Two at-fault accidents: $864 increase
- Two speeding tickets: $468 increase
Multiple incidents lead to exponentially higher rate hikes. Maintaining a clean driving record is key for affordable premiums.
Average Insurance Rates for Senior Drivers
Senior drivers tend to pay less for auto insurance, thanks to their lower risk profiles. Here are some average full coverage rates for older drivers in Huntsville:
- Ages 60-64: $1,872 per year
- Ages 65-69: $1,680 per year
- Ages 70-74: $1,596 per year
- Ages 75-79: $1,548 per year
In addition to lower baseline rates, many insurers offer senior-specific discounts starting between ages 50 and 65. Common discounts include:
- Defensive driving course discounts
- Mature driver discounts
- Retiree discounts
- Low mileage discounts
Seniors should ask providers about all possible ways to save. Bundling home insurance can also lower premiums.
Average Insurance Rates for Teen Drivers
Due to lack of driving experience, teens pay the highest rates for auto insurance. Here are the average annual full coverage rates teen drivers face in Huntsville:
- 16 year olds: $4,104
- 17 year olds: $3,864
- 18 year olds: $3,600
- 19 year olds: $3,204
Adding a teen to your policy will increase your family’s overall premium. But there are ways to offset the spike in rates:
- Have teen share the oldest available vehicle
- Ask about good student discounts
- See if teen qualifies for low mileage discounts
- Have teen take a defensive driving course
- Consider usage-based programs to track teen’s driving
As teens gain experience on the road, rates will fall each year. Rates start to drop more significantly around age 25.
Average Rates by Credit Tier in Huntsville
Insurers in Texas use credit-based insurance scores to set premiums. Drivers with poor credit pay significantly higher rates. Here are some average rates in Huntsville based on credit tier:
Average Annual Rate by Credit Tier
- Excellent credit (781-850 score): $1,794
- Good credit (661-780 score): $2,172
- Average credit (601-660 score): $2,412
- Poor credit (500-600 score): $2,724
Maintaining at least a good credit score keeps rates affordable. Check your credit reports regularly and take steps to improve your score if needed.
Shopping for Cheap Car Insurance in Other Texas Cities
Rates can vary across the Lone Star State. Here’s a look at average monthly full coverage premiums in other major Texas cities:
- Houston: $247
- San Antonio: $207
- Dallas: $283
- Austin: $192
- El Paso: $168
- Arlington: $251
- Fort Worth: $272
Car insurance requirements in Texas
The Lone Star State requires drivers to carry a minimum amount of insurance to legally operate a vehicle. [1] In this at-fault state, you’ll need insurance that at least meets the following requirements:
| Coverage▲▼ | Minimum Requirements▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person $60,000 per accident |
| Property damage liability | $25,000 |
Personal injury protection of at least $2,500 per person per accident must be included in all Texas auto policies. [2] If you get hurt in an accident, this coverage helps pay for your medical bills, lost wages, and other costs that come with it. If you want to refuse this coverage, you must do so by writing to your insurer. [1].
Liability-only coverage is a bare minimum option. If you want more financial protection, consider the following coverages:
- Collision coverage: If your car gets damaged in an accident with another car or something else, like a tree or telephone pole, collision coverage will pay to fix it.
- Comprehensive coverage: This type of coverage pays to fix or replace your car if it gets damaged by something other than a crash, like bad weather or vandalism.
- Coverage for uninsured or underinsured drivers: This covers damage if you get into an accident with a driver who doesn’t have enough insurance.
Best insurer for discounts: GEICO
| User Reviews | 3.1 |
|---|---|
| IQ ScoreThe Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| Liability OnlyLiability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $ 38/mo |
| Full CoverageFull-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $ 68/mo |
GEICO is one of the largest insurers in the country, offering a wide range of coverages. It has affordable rates, a variety of discounts, and an accident forgiveness program. It also has an excellent financial strength rating of A++ (Superior) from AM Best.
- Many available discounts
- Offers accident forgiveness
Cons
- Below-average J.D. Power customer satisfaction rating in Texas
- No rideshare insurance
AverageThese days, its way too expensive.Deborah – August 21, 2024 Verified
Their prices have gotten out of hand. I had a windshield claim due to a rock hitting my windshield on the highway. My son had a claim because he hit a curb when he swerved to avoid an accident. This caused two tires to blow out and the rim to become bent. Our policy increased by $500 a month. However, because of these two claims, we cant find anything cheaper. The adjuster they sent out for my son was rude and obnoxious. I would love to find another insurance company with cheaper rates. Their prices have gotten out of hand. I had a windshield claim due to a rock hitting my windshield on the highway. My son had a claim because he hit a curb when he swerved to avoid an accident. This caused two tires to blow out and the rim to become bent. Our policy increased by $500 a month. However, because of these two claims, we cant find anything cheaper. The adjuster they sent out for my son was rude and obnoxious. I would love to find another insurance company with cheaper rates. Irene – August 21, 2024 Verified.
High Rates for Personal DrivingThe cost is too high for the few miles I drive per month!
10 Cheapest Car Insurance Companies in 2024
FAQ
Who has the cheapest car insurance in Texas?
Who typically has the cheapest car insurance?
What is the average price of full coverage car insurance in Texas?
Who has the most affordable car insurance in Huntsville?
According to our data, Texas Farm Bureau Group generally has the most affordable car insurance in Huntsville coming in around $78.59 per month. Other companies to consider if you live in Huntsville is SafeAuto with an average cost of $98.04 per month and State Farm which typically runs around $98.81 per month. Check out the full list below.
How much does car insurance cost in Huntsville?
In general, car insurance rates for women are usually cheaper than they are for men. In Huntsville, this difference shakes out to about $9 a month. As illustrated in the table above, female drivers in the area pay about $59 on average, while male drivers pay around $68 each month. Your rates can vary wildly depending on your driving record.
What is the cheapest car insurance in Texas?
USAA’s sample rate is the cheapest in the Lone Star State at $998 per year, on average. Most drivers will find Progressive has the cheapest average annual rate after a ticket: $1,142. The average cost of car insurance in Texas for drivers after one speeding violation is $1,510.
Is state Farm the cheapest car insurance company in Texas?
State Farm is often cited as the cheapest car insurance company in Texas—but customers in our survey rated it 3.4 out of 5 for cost, with some customers praising their good rates and others reporting that they were overcharged and saw their rates increase frequently.