Best Huntsville, TX Car Insurance in 2024
Car insurance in Huntsville, TX averages $335 a month. Huntsville, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Huntsville car insurance rates, compare quotes from the top car insurance companies in Huntsville, TX.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Huntsville for teen drivers is USAA
- Average car insurance rates in Huntsville, TX after a DUI are $4,557/year
- The cheapest car insurance company in Huntsville is USAA
If you need to buy Huntsville, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Huntsville, TX is right here.
You’ll find Huntsville car insurance rates, the cheapest Huntsville, TX car insurance companies, and information on Texas car insurance laws. You can also compare Huntsville, Texas car insurance rates to San Antonio car insurance rates, Corpus Christi car insurance rates, and Plano car insurance rates.
Ready to find affordable Huntsville, TX car insurance today? Enter your ZIP code for fast, free Huntsville car insurance quotes.
Cheapest Huntsville, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Huntsville, TX car insurance rates? Every Huntsville, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,488 | $3,514 | $3,441 | $3,441 | $9,265 | $11,175 | $4,311 | $4,485 |
| American Family | $3,319 | $3,735 | $3,170 | $3,672 | $9,490 | $12,359 | $4,913 | $5,606 |
| Geico | $2,293 | $2,472 | $2,223 | $2,512 | $4,961 | $5,153 | $2,472 | $2,463 |
| Nationwide | $2,343 | $2,382 | $2,070 | $2,191 | $6,668 | $8,561 | $2,755 | $2,980 |
| Progressive | $2,533 | $2,399 | $2,262 | $2,299 | $10,870 | $12,150 | $3,004 | $3,047 |
| State Farm | $2,058 | $2,058 | $1,828 | $1,828 | $4,885 | $6,219 | $2,234 | $2,306 |
| USAA | $1,546 | $1,557 | $1,475 | $1,466 | $4,337 | $4,728 | $2,062 | $2,215 |
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Minimum Car Insurance in Huntsville, TX
Every driver must carry the minimum car insurance required by the state in Huntsville, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Huntsville, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Huntsville, TX. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Huntsville from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,847 | $5,021 | $4,302 |
| American Family | $7,832 | $5,085 | $4,432 |
| Geico | $4,729 | $2,683 | $1,794 |
| Nationwide | $4,490 | $3,607 | $3,134 |
| Progressive | $5,413 | $4,694 | $4,354 |
| State Farm | $4,148 | $2,579 | $2,054 |
| USAA | $3,564 | $2,054 | $1,651 |
Cheapest Huntsville, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Huntsville, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,167 | $6,475 | $6,752 | $4,167 |
| American Family | $5,247 | $6,743 | $5,894 | $5,247 |
| Geico | $2,607 | $3,438 | $2,877 | $3,353 |
| Nationwide | $3,247 | $3,247 | $4,813 | $3,668 |
| Progressive | $4,198 | $5,456 | $4,905 | $4,723 |
| State Farm | $2,606 | $2,982 | $3,514 | $2,606 |
| USAA | $1,808 | $2,664 | $3,146 | $2,075 |
Cheapest Huntsville, TX Car Insurance for Teen Drivers
Teen car insurance in Huntsville, TX can be expensive. Take a look at rates from the top car insurance companies in Huntsville for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,265 | $11,175 |
| American Family | $9,490 | $12,359 |
| Geico | $4,961 | $5,153 |
| Nationwide | $6,668 | $8,561 |
| Progressive | $10,870 | $12,150 |
| State Farm | $4,885 | $6,219 |
| USAA | $4,337 | $4,728 |
Cheapest Huntsville, TX Car Insurance for Seniors
Take a look at Huntsville, TX rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,441 | $3,441 |
| American Family | $3,170 | $3,672 |
| Geico | $2,223 | $2,512 |
| Nationwide | $2,070 | $2,191 |
| Progressive | $2,262 | $2,299 |
| State Farm | $1,828 | $1,828 |
| USAA | $1,475 | $1,466 |
Cheapest Huntsville, TX Car Insurance Rates After a DUI
A DUI in Huntsville, TX increases car insurance rates. Compare Huntsville, Texas car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,752 |
| American Family | $5,894 |
| Geico | $2,877 |
| Nationwide | $4,813 |
| Progressive | $4,905 |
| State Farm | $3,514 |
| USAA | $3,146 |
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Cheapest Huntsville, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Huntsville, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,256 | $5,524 |
| American Family | $5,783 | $5,783 |
| Geico | $3,012 | $3,125 |
| Nationwide | $3,744 | $3,744 |
| Progressive | $4,820 | $4,820 |
| State Farm | $2,927 | $2,927 |
| USAA | $2,393 | $2,454 |
Cheapest Huntsville, TX Car Insurance Rates by ZIP Code
Huntsville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Huntsville, TX.
| ZIP Code | Average Annual Rates |
|---|---|
| 77320 | $6,172 |
| 77340 | $5,916 |
| 77341 | $6,032 |
The Best Cheap Car Insurance Companies in Huntsville, TX
Take a look at a side-by-side comparison of the top car insurance companies in Huntsville, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,390 |
| American Family | $5,783 |
| Geico | $3,069 |
| Nationwide | $3,744 |
| Progressive | $4,820 |
| State Farm | $2,927 |
| USAA | $2,423 |
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Category Winners: Cheapest Car Insurance in Huntsville, Texas
Find the cheapest car insurance companies in Huntsville, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Cheapest Huntsville, TX Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Huntsville car insurance rates. Find the cheapest Huntsville, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,269 | $5,345 | $5,556 |
| American Family | $5,316 | $5,529 | $6,503 |
| Geico | $2,905 | $3,029 | $3,272 |
| Nationwide | $4,031 | $3,583 | $3,617 |
| Progressive | $4,579 | $4,798 | $5,083 |
| State Farm | $2,781 | $2,918 | $3,082 |
| USAA | $2,345 | $2,414 | $2,510 |
What affects car insurance rates in Huntsville, Texas?
What are the factors that affect car insurance rates in Huntsville, TX? There are several reasons why Huntsville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Huntsville, Texas.
Car Theft in Huntsville
High levels of vehicle theft can make car insurance more expensive. Huntsville, TX car theft statistics from the FBI indicate 53 vehicle thefts a year.
Commute Time in Huntsville
The more time you spend in your car the higher the risk of an accident. The average commute length in Huntsville, TX is 25.3 minutes according to City-Data.
Traffic in Huntsville
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Huntsville, TX traffic data from INRIX ranks Huntsville as the 819th-most congested in the world.
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Compare Car Insurance Quotes in Huntsville, TX
Ready to find affordable Huntsville, Texas car insurance today? Enter your ZIP code for fast, free Huntsville, TX car insurance quotes.
Frequently Asked Questions
What are the car insurance requirements in Huntsville, TX?
In Huntsville, Texas, the car insurance requirements are 30/60/25. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How does my age, gender, and marital status affect car insurance rates in Huntsville, TX?
Age, gender, and marital status can impact car insurance rates in Huntsville, TX. Each car insurance company weighs these factors differently. Generally, younger drivers, male drivers, and unmarried drivers tend to have higher insurance rates.
Does my credit score affect car insurance costs in Huntsville, TX?
Yes, your credit score can affect car insurance costs in Huntsville, TX. If you have good credit, you may be eligible for a good credit discount. Car insurance companies consider credit history when determining rates, so maintaining a good credit score can help lower your premiums.
How does my driving record impact car insurance rates in Huntsville, TX?
Your driving record is a significant factor in determining car insurance rates in Huntsville, TX. Having a clean driving record with no accidents or traffic violations generally results in lower premiums. On the other hand, a bad driving record with accidents or traffic tickets can lead to higher insurance rates.
Are there affordable car insurance options for teen drivers in Huntsville, TX?
Car insurance for teen drivers in Huntsville, TX can be expensive. However, by comparing quotes from different insurance companies, you can find more affordable options. It’s important to encourage safe driving habits and consider adding your teen driver to your existing policy or exploring discounts for good grades or driver’s education completion.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.