Cheap Car Insurance in Huntsville, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Huntsville

Lowest Premium

$339 / YEAR

Average Premium

$539 / YEAR

Highest Premium

$830 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Huntsville is around $539 and can go upto $830. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Car Insurance Rates in Huntsville by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Huntsville. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
77320$540
77340$532

Insurance Agents in Huntsville, TX and Near by

  • 0 mi
    Professional Agencies
    440 Fm 2821 Rd W Unit D, Huntsville, TX 77320
    (936) 228-5301
  • 0 mi
    EZ Select Insurance Agency
    440 Fm 2821 Rd W Ste D, Huntsville, TX 77320
    (936) 649-0818
  • 0 mi
    Texas Farm Bureau Insurance
    1101 10th St, Huntsville, TX 77320
    (936) 291-2136
  • 0 mi
    TWFG Insurance Services - Ann Moore
    1212 10th St, Huntsville, TX 77320
    (936) 293-8121
  • 0 mi
    Grayless-Cannon Insurance Group
    1312 10th St, Huntsville, TX 77320
    (936) 435-1111
  • 0 mi
    Lem Gillikin Insurance Agency
    84 Spring Circle Dr, Huntsville, TX 77320
    (936) 291-3502
  • 0 mi
    Bass Insurance
    1316 10th St, Huntsville, TX 77320
    (936) 577-6782
  • 0 mi
    Cates Insurance Agency & Financial Services
    14 State Highway 75 N Ste A, Huntsville, TX 77320
    (936) 295-5054
  • 0 mi
    Larry Hallam
    64 State Highway 75 N, Huntsville, TX 77320
    (936) 293-1500
  • 0 mi
    Gus Hernandez
    901 Normal Park Dr Ste 105, Huntsville, TX 77320
    (936) 291-3318
  • 0 mi
    Integra Insurance Services
    253 State Highway 75 N Ste B, Huntsville, TX 77320
    (936) 755-8067
  • 0 mi
    Assurance One of Texas - Cole Insurance
    253 State Highway 75 N Ste B, Huntsville, TX 77320
    (936) 295-8888
  • 0 mi
    All Risk Insurance Specialists of Texas
    325 State Highway 75 N Ste A, Huntsville, TX 77320
    (936) 438-8898
  • 0 mi
    Rebecca Hawley
    325 State Highway 75 N Ste A, Huntsville, TX 77320
    (936) 438-8898
  • 11.1 mi
    Acceptance Auto Insurance
    3011 Highway 30 W Ste 304, Huntsville, TX 77340
    (936) 435-1255
  • 11.1 mi
    Rollo Insurance Group
    140 State Highway 19, Huntsville, TX 77340
    (936) 295-6000
  • 11.1 mi
    Cleveland Insurance Agency
    2021 Sycamore Ave, Huntsville, TX 77340
    (936) 438-8525
  • 11.1 mi
    Diana K Barnes
    1227 11th St, Huntsville, TX 77340
    (936) 295-2686
  • 11.1 mi
    SIG - Matthys Agency
    1305 11th St Ste A, Huntsville, TX 77340
    (936) 650-7311
  • 11.1 mi
    Associated Insurance Managers - Wharton Insurance Network
    1300 11th St Ste 430a, Huntsville, TX 77340
    (936) 291-1560
  • 11.1 mi
    All Access Bookkeeping & Tax Services
    1302 Sam Houston Ave Ste A, Huntsville, TX 77340
    (936) 439-9214
  • 11.1 mi
    Larry Hallam
    1329 Sam Houston Ave, Huntsville, TX 77340
    (936) 295-6306
  • 11.1 mi
    Chris Batten Agency
    1524 11th St Ste D, Huntsville, TX 77340
    (936) 291-8313
  • 11.1 mi
    Thomas Lucher Insurance Agency
    1623 14th St, Huntsville, TX 77340
    (936) 291-8869
  • 11.1 mi
    Beathard Insurance Agency
    2412 Sam Houston Ave, Huntsville, TX 77340
    (936) 294-9888
  • 11.1 mi
    Joe Monteleone
    130 Col Etheredge Blvd Ste D1, Huntsville, TX 77340
    (936) 291-9364
  • 11.1 mi
    Danny Dougherty
    2914 Montgomery Rd, Huntsville, TX 77340
    (936) 295-2067
  • 11.1 mi
    Susan Gledhill
    4925 State Highway 30 W, Huntsville, TX 77340
    (936) 661-5103
View all agents ↓

Learn More About Car Insurance in Huntsville, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.