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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Car insurance in Huntsville, Texas, costs an average of $172 per month — lower than the national average of $151, according to Compare.com data. Several factors affect local rates, including accident statistics, claim increases, car repair costs, and severe weather.[1]
Fortunately, many insurance companies have premiums well below the city average. For example, State Farm offers coverage for as little as $39 per month.
In this guide, we break down the cheapest car insurance companies in Huntsville, how different factors affect your rates, and how to find the best rates based on your driving profile.
State Farm, GEICO, and Allstate are the cheapest auto insurers in Huntsville.
Huntsville drivers pay an average rate of $114 per month for liability insurance and $231 for full coverage.
Teen drivers in Huntsville pay a monthly average of $329, but they may find cheaper rates with State Farm.
While average rates provide a useful benchmark, many insurers price policies below the local average, giving you opportunities to save money.
The table below showcases the most affordable car insurance companies in Huntsville, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $39 |
| GEICO | $42 |
| Allstate | $55 |
| Mile Auto | $59 |
| USAA | $69 |
| Nationwide | $87 |
| Mercury | $89 |
| Root | $103 |
| Progressive | $107 |
| Dairyland | $113 |
| Safeco | $117 |
| Chubb | $118 |
| Clearcover | $127 |
| National General | $129 |
| The General | $129 |
| Direct Auto | $130 |
| AssuranceAmerica | $131 |
| Bristol West | $132 |
| 21st Century | $136 |
| Commonwealth Casualty | $136 |
| Elephant | $149 |
| GAINSCO | $165 |
| Foremost | $219 |
| Liberty Mutual | $230 |
| State Auto | $261 |
State Farm offers the lowest average rate of $39 per month. But since your actual premium depends on various factors, the cheapest option overall might not be the most affordable option for you.
To understand these factors better, let’s break them down to see how they influence insurance rates in Huntsville.
Compare personalized quotes from Huntsville’s top insurers.
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While the above insurers offer competitive rates, your premium could be higher or lower depending on personal information such as your age, driving record, and ZIP code.
We’ve analyzed the cheapest insurance companies for different coverage levels and driver profiles in the table below. It shows the cheapest insurer and its average monthly premium for each group, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $39 |
| Full coverage | State Farm | $71 |
| Teens | State Farm | $73 |
| Seniors | State Farm | $29 |
| Drivers with a speeding ticket | State Farm | $50 |
| Drivers with an at-fault accident | State Farm | $52 |
| Drivers with a DUI | State Farm | $63 |
| Drivers with excellent credit | State Farm | $34 |
| Drivers with poor credit | GEICO | $50 |
Compare personalized quotes and get cheaper rates in minutes.
The type of car insurance policy you buy can greatly affect your costs. On average, Huntsville drivers pay $114 per month for minimum-liability insurance, according to our data.
While state-minimum coverage meets Texas’s legal requirements, many insurance experts recommend buying more than the minimum. For example, adding uninsured motorist coverage can protect you if someone without insurance (or enough insurance) injures you or damages your car in an accident.[2]
The chart below shows five of the most affordable insurers for state-minimum car insurance in Huntsville, according to Compare.com data.
State Farm provides the most affordable state-minimum coverage, with an average monthly rate of $39. Next, let’s explore full-coverage options.
Full-coverage car insurance policies go beyond liability protection by including comprehensive coverage and collision coverage. With these coverages, you’ll have protection if you get into an accident with another driver or hit an object. Both are optional, but most lenders will require them if you have a car loan or lease your vehicle.
Huntsville drivers pay an average of $231 per month for full coverage, but some insurers offer more affordable options.
Here are the five cheapest in the city, according to Compare.com data.
Due to their higher crash and fatality rates, teen drivers pay some of the highest car insurance premiums. Research shows that 16- and 17-year-olds experience fatal crashes at three times the rate of drivers 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[3]
The average teen driver pays $329 per month for car insurance in Huntsville, but several insurers offer more affordable options.
The chart below lists the five cheapest companies for area teens, according to Compare.com data.
In Huntsville, teen drivers can find the most affordable car insurance with State Farm, which offers an average monthly rate of $73.
Seniors typically enjoy lower rates since they have fewer accidents than other age groups, according to the National Safety Council (NSC).[4] But premiums tend to increase in the mid-70s as accident rates rise.[5]
In Huntsville, senior drivers pay an average of $135 per month for car insurance.
To help you find savings, we’ve listed the cheapest car insurance companies for seniors in Huntsville, according to Compare.com data.
For seniors in Huntsville, State Farm offers the most affordable car insurance, with an average rate of $29 per month.
A single speeding ticket can lead to a noticeable increase in car insurance rates. Our research shows that premiums rise by an average of 27% nationwide after a ticket. Huntsville drivers with a recent speeding ticket pay around $235 per month.
The chart below shows the five cheapest insurers for Huntsville drivers with recent tickets, according to Compare.com data.
At an average cost of $50 per month, State Farm charges the lowest rate for car insurance for area drivers with a recent speeding ticket.
Getting into a car accident can also raise your insurance premiums. We found that an at-fault accident increases premiums by an average of 33% nationwide. The average Huntsville driver with a recent accident on their record pays a monthly average of $243.
But the chart below highlights Huntsville’s five cheapest insurance options after an at-fault accident, according to Compare.com data.
Huntsville drivers with an at-fault accident can often find the cheapest coverage with State Farm, which offers an average rate of $52 per month.
Car insurance rates typically see a significant spike after a DUI. In fact, rates increase nationally by an average of 61% after a DUI conviction, according to our research. Huntsville drivers with a DUI pay an average of $277 per month for coverage.
But even drivers with a DUI can find good deals. The chart below shows the most affordable insurers for Huntsville drivers with a DUI, according to Compare.com data.
If you have a DUI, State Farm offers the lowest rates on average in Huntsville, with premiums around $63 per month.
It’s a good idea to work with an insurance agent to review your coverage options and learn about additional ways to save after a DUI.
Your credit history also plays a role in determining your car insurance rate in many states. Nationally, drivers with poor credit pay about 40% more than those with excellent credit, according to our research. Huntsville drivers with poor credit pay an average monthly premium of $215, but some insurers charge less.
Here are the most affordable car insurance options if you have bad credit in Huntsville, according to Compare.com data.
If you have poor credit, GEICO is the most budget-friendly option, with an average monthly premium of $50.
Compare quotes side by side and lock in cheaper rates.
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Texas, like most states, requires drivers to have at least a minimum liability insurance policy. The limits are 30/60/25 in Texas, which includes:
$30,000 for bodily injury protection per person
$60,000 for bodily injury protection per accident
$25,000 for property damage protection per accident
Texas also requires insurers to offer additional coverage options, including personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage. A PIP policy covers medical expenses and lost income for you and your passengers, regardless of who caused the accident. Your UM/UIM coverage provides financial protection if you’re involved in a crash with a driver with little or no insurance.
You must opt out in writing if you don’t want these extra coverages. Otherwise, your insurance company will automatically include them in your policy.
Many experts advise purchasing more auto coverage than Texas’s state minimums, as the required limits may not be enough to cover damages after a major accident. The Texas Department of Insurance also encourages drivers to get higher liability limits to minimize their out-of-pocket costs if they cause an accident.
Additionally, your lender likely requires comprehensive and collision coverage if you finance or lease your car.
We’ve answered common questions about Huntsville car insurance questions to help you find the best company with the cheapest rates.
State Farm offers the most affordable car insurance in Huntsville, with monthly rates starting at just $39, according to our research. But, because rates depend on many personal factors, comparing quotes is key to finding your best price.
In Huntsville, the average cost for car insurance is $172, according to our data. Liability insurance costs an average of $114 per month, while full-coverage car insurance averages $231.
On average, car insurance in Texas costs $176 per month, according to Compare.com data. Liability coverage runs about $123 per month, while full-coverage policies typically cost around $230.
Yes, GEICO offers cheap coverage to many drivers in Texas. With GEICO, Texas drivers pay an average of $44 per month for liability coverage and $79 for full coverage. But that doesn’t guarantee that GEICO will be your cheapest option. Always compare rates to find out.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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