Cheap Auto Insurance in Montgomery, Alabama (2024)
Auto-Owners offers the cheapest car insurance rates in Mobile, with minimum-coverage policies starting at $44 per month.
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Courtney MikulskiSenior Editor, Auto
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Updated November 20, 2024
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Table of contents
Montgomery is the capital of Alabama and one of the state’s most populous cities, which contributes to the city’s higher-than-average car insurance rates. Montgomery drivers pay an average of $68 per month for liability insurance and $173 per month for full coverage. The state-level averages for Alabama are $143 for full coverage and $60 for liability-only policies.
But it’s still possible for drivers in Montgomery to find cheap premiums. Here’s what you need to know about finding the most affordable coverage in Montgomery.
Quick Facts
Auto-Owners, State Farm, and USAA are the cheapest insurers in Montgomery.
Montgomery car insurance premiums may be higher than average because of colleges in the area with younger, less experienced drivers, such as Alabama State University and Huntingdon College.
Because of the contributory negligence laws in Alabama, you might not be able to recover damages from another party’s car insurance policy if you’re partially responsible for a car accident.[1]
Best car insurance companies in Montgomery
If you’re on the lookout for the best car insurance company, consider factors like your budget, driving record, coverage preferences, and personal needs. To help you get started, Insurify identified the best car insurance companies in Montgomery, based on AM Best ratings, average quotes, customer service reviews, and more.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $70 | $37 | Full coverage |
| USAA | 9.4 | $70 | $37 | Active-duty military an veterans |
| State Farm | 9.3 | $71 | $37 | Bundling |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best insurer for full coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners car insurance started in 1916 in Lansing, Michigan. It provides standard car insurance as well as unique policies, such as coverage for additional expenses, diminished value, purchase price guarantee, and at-fault accident forgiveness.
The auto insurer also earned an A++ (Superior) financial strength rating from AM Best.
Pros
Plenty of add-on coverage options advertised
Offers purchase price guarantee coverage
Cons
No SR-22 filing available
Doesn’t offer online quotes
Best insurer for military and veteran drivers: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers various insurance products to the military community, including car insurance, home insurance, and boat insurance. To purchase an auto policy, you must join USAA and be an active, retired, and reserve military member. Membership also extends to USAA members’ spouses and children.
Pros
SafePilot usage-based insurance program
Above-average J.D. Power customer satisfaction rating
Cons
Doesn’t offer gap insurance
Restrictive membership requirements
Best insurer for bundling: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the largest, most reliable insurance companies in the U.S. and has offered car insurance for more than 100 years. It provides a variety of standard and add-on insurance policies. Plus, State Farm offers a bundling discount of up to 23%. The company received an A++ (Superior) rating from AM Best.
Pros
Generous bundling discount
Select Service program for vehicle claims and repairs
Cons
Gap insurance not available
No option to purchase a policy online
How to get the cheapest car insurance in Montgomery
You’ll need to put in some work to find the cheapest car insurance for your unique situation. These tips can help you land the best deal on an auto policy in Montgomery:
Shop around. It may be tempting to choose a policy from the first car insurance company you come across. But if you’d like to save as much money as possible and secure the best rate, get quotes from at least three different companies and compare your insurance options.
Ask about discounts. It’s typical for car insurance companies to offer various discounts. A few examples include the multi-car discount and loyalty discount. Visit an insurer’s website or ask an insurance agent to learn more about discounts you might qualify for.
Bundle policies. You likely need more than one type of insurance policy. If this is true, you can usually secure a discount for bundling an auto policy with homeowners insurance, renters insurance, or even life insurance.
Consider pay-per-mile insurance. If you’re an infrequent driver because you’re retired or work remotely, for example, pay-per-mile insurance may make sense. You’ll only pay for the number of miles you drive.
Cheapest liability-only car insurance in Montgomery: Auto-Owners
Alabama requires liability car insurance for all drivers. To drive legally, you must carry minimum limits of 25/50/25.[2] A liability policy pays for the other party’s property damage and injury costs after an at-fault accident, but it doesn’t cover your own injuries or vehicle damages. It’s typically the cheapest type of car insurance policy drivers can purchase because it offers such limited coverage. Liability-only policies generally work best for drivers who have an older, less-expensive, and paid-off vehicle.
Here are the most affordable liability-only car insurance companies in Montgomery.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $44 |
| State Farm | $44 |
| USAA | $44 |
| Allstate | $47 |
| COUNTRY Financial | $49 |
| Travelers | $59 |
| National General | $63 |
| Direct Auto | $64 |
| GEICO | $65 |
| Nationwide | $75 |
| Progressive | $79 |
| Farmers | $81 |
| Root | $81 |
| Clearcover | $94 |
| AssuranceAmerica | $100 |
| Foremost | $103 |
| Safeco | $113 |
| Bristol West | $119 |
| GAINSCO | $122 |
| Liberty Mutual | $199 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Montgomery: Auto-Owners
Though more expensive than liability-only coverage, full-coverage car insurance may be worthwhile. It usually includes liability, collision, and comprehensive insurance, which extends coverage to pay for your vehicle damages, even after an at-fault accident. It may also include medical payments (MedPay) or personal injury protection (PIP) to cover your injuries.
Full-coverage insurance is especially beneficial for drivers with expensive vehicles or who live in theft- and accident-prone areas. And, if you lease or finance your car, your leasing company or lender will require you to buy full-coverage car insurance.
The table below shows the cheapest full-coverage car insurance companies in Montgomery.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $83 |
| USAA | $83 |
| State Farm | $84 |
| Allstate | $90 |
| COUNTRY Financial | $93 |
| Travelers | $114 |
| GEICO | $125 |
| Root | $128 |
| Nationwide | $142 |
| National General | $145 |
| Progressive | $152 |
| Farmers | $154 |
| Clearcover | $159 |
| Direct Auto | $163 |
| AssuranceAmerica | $197 |
| Safeco | $200 |
| Foremost | $265 |
| GAINSCO | $292 |
| Liberty Mutual | $300 |
| Bristol West | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Montgomery, Alabama
Drivers in and around Montgomery, Alabama have found policies from AssuranceAmerica, Farmers, Dairyland, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Alabama
Alabama is an at-fault state, also called a tort state. This means a driver who causes an accident is responsible for the medical expenses and property damage costs of the other parties. In addition, Alabama adheres to the contributory negligence rule — so if you’re partly at fault for an accident, you might not be able to recover damages. Drivers must also show proof of insurance while driving, or they may face legal and financial consequences.
Here are Alabama’s minimum car insurance requirements:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
If you’re looking for additional protection as a Montgomery driver, you may want to consider these optional car insurance policies:
Comprehensive coverage
Comprehensive insurance covers vehicle damages from non-collision events, such as theft and windshield damage from a rock.
Collision coverage
Collision insurance kicks in to repair or replace your vehicle if you get into an accident with another driver or stationary object, no matter who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can help you avoid costly out-of-pocket expenses if a driver without car insurance or with insufficient coverage hits you.
Medical payments coverage
Medical payments coverage is a lot like personal injury protection (PIP) coverage and pays for medical expenses and funeral costs, regardless of fault.
Rental car reimbursement
If you can’t drive your vehicle after a car accident because it needs repairs, rental car reimbursement can help cover the cost of a rental car.
Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions can increase your car insurance rates. Montgomery residents with clean driving records typically land the lowest prices. Fortunately, you can still find cheap car insurance, even if you have a spotty driving record. Here are the cheapest insurers in Montgomery for drivers with incidents on their records.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
In 2022, speeding was a leading factor in accidents in Alabama.[3] Speeding can make it difficult to react quickly and take proper action in dangerous situations. Insurance companies consider drivers with speeding tickets to be high-risk and raise rates as a result, even if the driver didn’t cause a car accident.
In Montgomery, getting a speeding ticket can land you with average car insurance rates of $270 per month for full coverage and $106 for liability-only policies. The table below shows liability car insurance rates for Montgomery drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $44 | $61 |
| State Farm | $44 | $60 |
| USAA | $44 | $61 |
| Allstate | $47 | $65 |
| COUNTRY Financial | $49 | $70 |
| Travelers | $59 | $82 |
| National General | $63 | $87 |
| Direct Auto | $64 | $88 |
| GEICO | $65 | $90 |
| Nationwide | $75 | $104 |
| Progressive | $79 | $108 |
| Farmers | $81 | $111 |
| Root | $81 | $119 |
| Clearcover | $94 | $130 |
| AssuranceAmerica | $100 | $138 |
| Foremost | $103 | $152 |
| Safeco | $113 | $158 |
| Bristol West | $119 | $165 |
| GAINSCO | $122 | $180 |
| Liberty Mutual | $199 | $294 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
In 2022, Montgomery County had 9,224 traffic accidents.[3] If you’re responsible for an accident, your car insurance rates will likely increase due to your classification as a high-risk driver. You may be able to dodge higher rates if you purchased accident forgiveness, but it’s not guaranteed.
Montgomery drivers with at-fault accidents on their records see average car insurance rates of $112 per month for minimum-coverage policies and $286 for full coverage. The table below shows the auto insurers with the cheapest liability-only car insurance quotes for Montgomery drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $44 | $65 |
| State Farm | $44 | $64 |
| USAA | $44 | $64 |
| Allstate | $47 | $69 |
| COUNTRY Financial | $49 | $74 |
| Travelers | $59 | $87 |
| National General | $63 | $92 |
| Direct Auto | $64 | $95 |
| GEICO | $65 | $95 |
| Nationwide | $75 | $111 |
| Progressive | $79 | $116 |
| Farmers | $81 | $118 |
| Root | $81 | $126 |
| Clearcover | $94 | $147 |
| AssuranceAmerica | $100 | $143 |
| Foremost | $103 | $160 |
| Safeco | $113 | $164 |
| Bristol West | $119 | $174 |
| GAINSCO | $122 | $171 |
| Liberty Mutual | $199 | $308 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Alcohol- or drug-impairment was a suspected factor in 5,005 crashes that killed 197 people in Alabama in 2022.[3] A DUI can lead to hefty fines and jail time as well as more expensive car insurance coverage, especially if you have to file an SR-22.
In Montgomery, a DUI conviction pushes average car insurance rates to $320 per month for full coverage and $126 for liability-only policies. Here’s a look at average minimum-coverage car insurance quotes for Montgomery drivers with a DUI on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $44 | $77 |
| State Farm | $44 | $77 |
| USAA | $44 | $77 |
| Allstate | $47 | $82 |
| COUNTRY Financial | $49 | $86 |
| Travelers | $59 | $103 |
| National General | $63 | $110 |
| Direct Auto | $64 | $112 |
| GEICO | $65 | $114 |
| Nationwide | $75 | $131 |
| Progressive | $79 | $138 |
| Farmers | $81 | $142 |
| Root | $81 | $128 |
| Clearcover | $94 | $164 |
| AssuranceAmerica | $100 | $175 |
| Foremost | $103 | $180 |
| Safeco | $113 | $184 |
| Bristol West | $119 | $208 |
| GAINSCO | $122 | $213 |
| Liberty Mutual | $199 | $348 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
As drivers gain experience on the road and get older, car insurance premiums decrease. Average premiums usually decrease around age 25 and then increase a bit around age 70 due to age-related conditions that increase accident risks.[4] However, senior drivers typically pay lower-than-average premiums than many other age groups.
Car insurance for seniors in Montgomery averages $132 per month for full coverage and $52 for liability-only policies. Here’s a look at the lowest auto insurance quotes for Montgomery senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $33 | $63 |
| State Farm | $33 | $62 |
| USAA | $34 | $64 |
| Allstate | $36 | $69 |
| COUNTRY Financial | $38 | $72 |
| Travelers | $44 | $85 |
| National General | $46 | $106 |
| Direct Auto | $48 | $122 |
| GEICO | $50 | $96 |
| Nationwide | $54 | $101 |
| Progressive | $54 | $105 |
| Farmers | $61 | $115 |
| Root | $65 | $103 |
| AssuranceAmerica | $72 | $142 |
| Clearcover | $78 | $132 |
| Foremost | $79 | $203 |
| Bristol West | $92 | $238 |
| Safeco | $93 | $164 |
| GAINSCO | $98 | $235 |
| Liberty Mutual | $160 | $242 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Compared to older drivers, teenagers and young adults have less experience behind the wheel, which is why they can expect higher car insurance costs. Drivers younger than 24 made up the highest percentage of drivers involved in car accidents in Alabama in 2022.[3] To save money on auto insurance, teens can stay on their parents’ policy, complete an approved driver education course, or lock in a good student discount.
Teen drivers in Montgomery pay, on average, $329 per month for their own full-coverage policies, and $129 for liability only. Here are the cheapest auto insurance companies in Montgomery for teens and young drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $75 | $143 |
| Auto-Owners | $78 | $148 |
| USAA | $78 | $148 |
| State Farm | $80 | $153 |
| Allstate | $89 | $170 |
| GEICO | $110 | $212 |
| Travelers | $113 | $218 |
| Direct Auto | $124 | $315 |
| Root | $129 | $204 |
| National General | $131 | $300 |
| Nationwide | $139 | $263 |
| Progressive | $147 | $282 |
| Farmers | $150 | $285 |
| Clearcover | $182 | $309 |
| AssuranceAmerica | $194 | $382 |
| Foremost | $194 | $498 |
| Bristol West | $213 | $554 |
| GAINSCO | $223 | $534 |
| Safeco | $229 | $406 |
| Liberty Mutual | $362 | $546 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Montgomery car insurance quotes by credit tier
Insurance companies believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. For this reason, car insurance companies consider your credit score when determining premiums. While a handful of states prohibit insurers from considering credit history, Alabama allows it.
In Montgomery, a driver with poor credit pays around 100% more on average than a driver with excellent credit. Here’s how credit tiers affect average quotes in Montgomery.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Montgomery?
Car insurance rates in Montgomery are higher than the national average. It’s important to note that car insurance premiums differ by city and ZIP code within Alabama due to factors like population, crime rates, and the number of uninsured drivers.[5]
For example, cities with fewer traffic fatalities may have lower liability car insurance rates, while areas more at risk of damage from coastal weather may have higher full-coverage car insurance rates.
More cities in Alabama
Here are average monthly quotes for car insurance in other Alabama cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Birmingham | $164 | $67 |
| Huntsville | $141 | $63 |
| Madison | $147 | $64 |
| Mobile | $159 | $70 |
| Tuscaloosa | $158 | $64 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Montgomery car insurance FAQs
Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about Montgomery car insurance.
How much is car insurance in Montgomery?
Montgomery drivers pay, on average, $173 per month for full coverage car insurance and $68 for liability-only coverage. It's important to realize that location isn't the only factor that affects car insurance rates. Your costs may be more or less than the average based on personal factors like your age, gender, driving history, and vehicle.
What are the cheapest car insurance companies in Montgomery?
Auto-Owners is the cheapest car insurance company for Montgomery drivers. Its liability-only policies start at $83 per month, according to Insurify data. State Farm and USAA are the second- and third-cheapest insurers in Montgomery, with liability-only rates as low as $83 and $84, respectively.
What are the best car insurance companies in Montgomery?
Some of the best car insurance companies in Montgomery include Auto-Owners, State Farm, and USAA. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from.
But the best insurer for you depends on your coverage needs and budget. Compare car insurance quotes from at least three different companies to see which one offers the best price for the coverage you need.
What is the minimum car insurance in Alabama?
Alabama requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.
What factors affect the cost of car insurance premiums in Montgomery?
The factors out of your control that can affect your car insurance costs in Montgomery are the city’s rates of car thefts and accidents, as well as how many uninsured drivers are on the road. Plus, the number of residents in Montgomery compared to other cities can affect overall premiums.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Alabama
Sources
- Nolo. "Alabama Car Accident Laws."
- Alabama Department of Insurance. "Automobile Insurance FAQs."
- Alabama Department of Transportation. "2022 Crash Facts."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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