Find Cheap Car Insurance in Huntsville, AL

Huntsville is known as “Rocket City” due to its strong connection to NASA and the history of this country’s space exploration. The Saturn V rocket was developed here and carried astronauts to the moon. Residents and visitors with an interest in the history of U.S. space technology can visit the U.S. Space and Rocket Center located here.

Aside from these important milestones in our country’s history, Huntsville is a place that offers an affordable cost of living, as well as plenty for families. There is a thriving arts and culture scene and several Fortune 500 companies make their home here, as well.

For those who love the outdoors, this part of the country offers almost year-round water activities, such as fishing, boating and swimming, as well as trails to hike and camping. Because the area draws plenty of tourists, it is important to carry enough coverage to protect you and your finances. At Acceptance, you can find cheap, customized and flexible car insurance in Alabama. Our agents are your neighbors, so give them a call or stop by an office.

There are many different auto insurance choices in Huntsville, all the way from the basic liability required by the state up to full coverage and more. Basic coverage averages $34 monthly. That’s lower than the national average of $52.

For more protection, you might consider full auto insurance which will average out to $118 monthly. That’s $50 less than the national average of $168. Remember, your quotes will be different, since insurance rates are based on individual factors.

What Does Full vs. Minimum Mean?

As mentioned, full coverage provides more protection and here’s why. With full coverage, you’ll be getting the liability you need to protect you from lawsuits, as well as other coverages (comprehensive and collision) that will repair your car, which liability will not do.

Comprehensive insurance takes car of repairs if your car is damaged by something outside of your control, such as a hail storm, a deer in the road or theft. Collision will pay for your repairs or replacement (market value) no matter who is at fault for the wreck.

Minimum coverage typically refers to only liability insurance and then, only the minimum required by the state. This will never pay for your own damages and injuries. It is only there to help you pay for the damages and injuries you cause others when you are at fault.

Your car insurance costs depend on many different factors, some of which are unique to you. However, what city you live in is a shared factor by everybody else who lives there. Is your city congested and accident prone? You may pay more than someone living in a more rural, quiet area. Here are some cities in Alabama for a comparison.

Compare Car Insurance Rates by Zip Code in Huntsville

Although not as popular, insurers will look at your specific zip code to see how many claims are coming from that area of the city. Here is a sampling of some zip codes in Huntsville.

Low-Cost Car Insurance Rates by Age in Huntsville

No matter where you live, new drivers will pay the highest rates, while more mature drivers with a good driving record will pay the least. Car insurance for teens can be found at an affordable rate, and as long as they drive with care, their rates will drop as they get older.

*To figure out the average costs, we use the following approach: we consider a 30-year-old male, with the state’s minimum liability coverage and full 100/300/100 coverage.

How Many Fatal Accidents Happen Per Year in Huntsville, AL?

Unfortunately, Huntsville tends to have a high number of fatal accidents each year. In 2023, there were 26 fatal accidents. In 2022, there were 24 fatal accidents with 38 deaths. Nine of these wrecks involved a drunk driver. Many cities in Alabama have high annual fatalities on the roads which is attributed to distracted driving, poor road conditions and drivers going to fast.

Some of the notably dangerous roads in Huntsville include South Memorial Parkway (especially near Drake Ave SW), Mastin Lake Road NW, Hobbs Island Road SE near Ditto Marina Parkway SE and Baley Cove Road SE.

It reinforces the importance of driving defensively and following traffic rules. Avoiding distractions will help you stay safer behind the wheel.

Are Road Infrastructure and Bridges in Huntsville Well Maintained?

Potholes and other poor road conditions are cited as a factor in some accidents in and around Huntsville. There are projects underway to improve these conditions, including:

• Pratt Avenue Streetscape Improvements
• Mastin Road Improvements
• Northern Bypass
• North Memorial Parkway at Mastin Lake Road

In Alabama, all drivers are required to have at least the following minimum liability insurance coverage:

• $25,000 for bodily injury/death per individual
• $50,000 for bodily injury/death per accident
• $25,000 for property damage per accident

These are the minimum required limits to drive legally. You can always increase these limits for better financial protection. For example, if you are found to be at fault in an accident that totals someone’s brand new Mercedes, you’ll be responsible for all damages over the $25,000 property damage liability.

The state of Alabama does not want to be cough up the money to pay for the injuries and damages you cause in an accident. This is why they take having insurance so seriously. Fines range from $500 to $1,000, you could have your license and registration suspended and you may face jail time for repeat offenders.

If convicted of driving without insurance, you’ll be required to purchase SR-22 insurance in order to drive. This type of insurance is twice or even three times as expensive as regular insurance. Do you think insurance is too expensive now? You may find out it is more expensive to drive without it.

Your insurance premiums can be impacted by factors like your age, your location and your past. But there are many different factors insurers look at before providing you with a quote. Some of those include:

• How old or new your car is
• Your credit score
• Your level of education and your job title
• How many miles you drive annually

Huntsville offers a mix of urban and suburban driving experiences. The city’s road network includes major thoroughfares like Memorial Parkway (U.S. 231/431), which sees over 100,000 vehicles daily and serves as a primary route for commuters and freight. Interstate 565 and U.S. 72 are also key corridors connecting Huntsville to neighboring areas.​

Traffic congestion is generally moderate, with peak periods typically occurring during weekday mornings and evenings. Construction projects, such as the ongoing overpass work at Mastin Lake Road, can cause delays, and drivers should be prepared for lane shifts and reduced speeds.​

In winter, icy conditions can lead to hazardous driving, particularly on bridges and elevated roadways. The city employs plows and salt spreaders to mitigate these risks, but drivers are advised to stay informed through local alerts and exercise caution during adverse weather.​

For real-time traffic updates and road conditions, the ALGO Traffic website and app are valuable resources.​

Although most people feel like their car insurance costs too much, there are some ways you can pay less. Let’s take a look at a few discounts that are available to lower that bill, including:

Anytime you renew or your circumstances change, you may qualify for new or better discounts. For example, if you start working from home or retire and drive less, you may qualify for a low-mileage discount. Ask your friendly neighborhood agent!