Lowest Premium
$339 / YEAR
Average Premium
$539 / YEAR
Highest Premium
$830 / YEAR
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.
| Company | Annual premium (50/100/50) | Market share | Complaints |
|---|---|---|---|
| Geico | $350 | 6.00% ($1,151,485,019) | 1 |
| Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
| State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
| Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
| Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
| Progressive | $660 | 8.75% ($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.
| Zip | Avg. Premium |
|---|---|
| 77320 | $540 |
| 77340 | $532 |
Insurance Agents in Huntsville, TX and Near by
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0 miProfessional Agencies440 Fm 2821 Rd W Unit D, Huntsville, TX 77320(936) 228-5301View |
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0 miEZ Select Insurance Agency440 Fm 2821 Rd W Ste D, Huntsville, TX 77320(936) 649-0818View |
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0 miTexas Farm Bureau Insurance1101 10th St, Huntsville, TX 77320(936) 291-2136View |
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0 miTWFG Insurance Services - Ann Moore1212 10th St, Huntsville, TX 77320(936) 293-8121View |
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0 miGrayless-Cannon Insurance Group1312 10th St, Huntsville, TX 77320(936) 435-1111View |
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0 miLem Gillikin Insurance Agency84 Spring Circle Dr, Huntsville, TX 77320(936) 291-3502View |
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0 miBass Insurance1316 10th St, Huntsville, TX 77320(936) 577-6782View |
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0 miCates Insurance Agency & Financial Services14 State Highway 75 N Ste A, Huntsville, TX 77320(936) 295-5054View |
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0 miLarry Hallam64 State Highway 75 N, Huntsville, TX 77320(936) 293-1500View |
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0 miGus Hernandez901 Normal Park Dr Ste 105, Huntsville, TX 77320(936) 291-3318View |
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0 miIntegra Insurance Services253 State Highway 75 N Ste B, Huntsville, TX 77320(936) 755-8067View |
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0 miAssurance One of Texas - Cole Insurance253 State Highway 75 N Ste B, Huntsville, TX 77320(936) 295-8888View |
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0 miAll Risk Insurance Specialists of Texas325 State Highway 75 N Ste A, Huntsville, TX 77320(936) 438-8898View |
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0 miRebecca Hawley325 State Highway 75 N Ste A, Huntsville, TX 77320(936) 438-8898View |
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11.1 miAcceptance Auto Insurance3011 Highway 30 W Ste 304, Huntsville, TX 77340(936) 435-1255View |
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11.1 miRollo Insurance Group140 State Highway 19, Huntsville, TX 77340(936) 295-6000View |
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11.1 miCleveland Insurance Agency2021 Sycamore Ave, Huntsville, TX 77340(936) 438-8525View |
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11.1 miDiana K Barnes1227 11th St, Huntsville, TX 77340(936) 295-2686View |
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11.1 miSIG - Matthys Agency1305 11th St Ste A, Huntsville, TX 77340(936) 650-7311View |
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11.1 miAssociated Insurance Managers - Wharton Insurance Network1300 11th St Ste 430a, Huntsville, TX 77340(936) 291-1560View |
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11.1 miAll Access Bookkeeping & Tax Services1302 Sam Houston Ave Ste A, Huntsville, TX 77340(936) 439-9214View |
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11.1 miLarry Hallam1329 Sam Houston Ave, Huntsville, TX 77340(936) 295-6306View |
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11.1 miChris Batten Agency1524 11th St Ste D, Huntsville, TX 77340(936) 291-8313View |
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11.1 miThomas Lucher Insurance Agency1623 14th St, Huntsville, TX 77340(936) 291-8869View |
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11.1 miBeathard Insurance Agency2412 Sam Houston Ave, Huntsville, TX 77340(936) 294-9888View |
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11.1 miJoe Monteleone130 Col Etheredge Blvd Ste D1, Huntsville, TX 77340(936) 291-9364View |
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11.1 miDanny Dougherty2914 Montgomery Rd, Huntsville, TX 77340(936) 295-2067View |
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11.1 miSusan Gledhill4925 State Highway 30 W, Huntsville, TX 77340(936) 661-5103View |
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 registered | 24,527,939 |
| Total uninsured motorists | 14.1% |
| 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.