Cheap Auto Insurance in Montgomery, Alabama (2025)

National General offers the cheapest car insurance rates in Mobile, with minimum-coverage policies starting at $59 per month.

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Cheapest recent rates near Montgomery, Alabama

Recent Montgomery, Alabama car insurance prices for Hyundai, Honda, GMC , and more.

*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 6, 2025. 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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 $73 per month for liability insurance and $162 per month for full coverage. The state-level averages for Alabama are $137 for full coverage and $63 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
  • National General, Direct Auto, and Progressive 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$102$71Full coverage
USAA9.1$102$71Active-duty military an veterans
State Farm9.3$103$71Bundling
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
3.9
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.
8.2 /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.
$85/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.
$122/mo
3.9
A solid optionBased on 210 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

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

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (124)
James
Verified Review
Dissatisfied
Reviewed in Alabama on August 2025
I'm tired of the constant coverage rate increases even though I have a perfect driving record. There are no discounts whatsoever.
Gerald
Verified Review
Car Insurance
Reviewed in Florida on August 2025
Excellent, but the price is higher.
Timothy
Verified Review
Good Insurance Company
Reviewed in Georgia on July 2025
Check around every year for different rates.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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.
9.1 /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.
$84/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.
$122/mo
4.9
Best choiceBased on 2,129 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

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

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,205)
Richard
Verified Review
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Reviewed in Connecticut on August 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 2025
Top Notch! Best Insurance for Veterans!
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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
4.1
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.
$85/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.
$123/mo
4.1
Best choiceBased on 11,395 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,083)
Robert
Verified Review
State Farm Doing the Lord's Work
Reviewed in Florida on August 2025
They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.
Christopher
Verified Review
State Farm too expensive.
Reviewed in Florida on August 2025
Constant price increases are never a good thing.
Scott
Verified Review
State Farm: High on Cost, Low on Actual Service
Reviewed in Texas on August 2025
Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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: National General

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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$59
Direct Auto$66
Progressive$83
USAA$84
State Farm$85
Auto-Owners$85
Allstate$91
Bristol West$91
The General$92
COUNTRY Financial$93
Root$96
AssuranceAmerica$104
GAINSCO$109
Travelers$116
Safeco$117
GEICO$127
Dairyland$131
Nationwide$144
Farmers$156
Liberty Mutual$236
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$122
Auto-Owners$122
State Farm$123
National General$131
Allstate$132
Progressive$135
COUNTRY Financial$135
Direct Auto$146
The General$156
Travelers$166
Root$170
GEICO$183
Safeco$207
Nationwide$208
AssuranceAmerica$217
Farmers$224
Bristol West$237
GAINSCO$274
Liberty Mutual$312
Dairyland$386
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

Recent Montgomery, Alabama car insurance prices for Lexus, Nissan, Jeep , and more.

*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 6, 2025. 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 August 6, 2025. 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $25,000 per accident

If you’re looking for additional protection as a Montgomery driver, you may want to consider these optional car insurance policies:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers vehicle damages from non-collision events, such as theft and windshield damage from a rock.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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: National General

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 $215 per month for full coverage and $97 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Ticket
sort ascsort desc
National General$59$75
Direct Auto$66$85
Progressive$83$110
USAA$84$107
State Farm$85$107
Auto-Owners$85$109
Allstate$91$115
Bristol West$91$117
The General$92$124
COUNTRY Financial$93$119
Root$96$128
AssuranceAmerica$104$128
GAINSCO$109$133
Travelers$116$149
Safeco$117$153
GEICO$127$166
Dairyland$131$167
Nationwide$144$184
Farmers$156$199
Liberty Mutual$236$305
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: National General

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 $100 per month for minimum-coverage policies and $222 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Accident
sort ascsort desc
National General$59$77
Direct Auto$66$89
Progressive$83$114
USAA$84$110
State Farm$85$111
Auto-Owners$85$111
Allstate$91$119
Bristol West$91$120
The General$92$126
COUNTRY Financial$93$123
Root$96$124
AssuranceAmerica$104$130
GAINSCO$109$140
Travelers$116$153
Safeco$117$162
GEICO$127$158
Dairyland$131$173
Nationwide$144$190
Farmers$156$205
Liberty Mutual$236$315
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: National General

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 $206 per month for full coverage and $93 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With DUI
sort ascsort desc
National General$59$82
Direct Auto$66$92
Progressive$83$106
USAA$84$117
State Farm$85$119
Auto-Owners$85$119
Allstate$91$127
Bristol West$91$127
The General$92$129
COUNTRY Financial$93$130
Root$96$134
AssuranceAmerica$104$145
GAINSCO$109$152
Travelers$116$162
Safeco$117$167
GEICO$127$178
Dairyland$131$183
Nationwide$144$201
Farmers$156$218
Liberty Mutual$236$330
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: National General

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 $139 per month for full coverage and $63 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability
sort ascsort desc
Full Coverage
sort ascsort desc
National General$46$101
Direct Auto$52$115
State Farm$67$97
USAA$68$99
Auto-Owners$68$98
Progressive$71$116
Allstate$74$107
The General$75$126
Bristol West$75$194
COUNTRY Financial$78$113
Root$81$143
AssuranceAmerica$81$168
GAINSCO$91$229
Travelers$92$131
GEICO$100$144
Safeco$102$180
Dairyland$107$315
Nationwide$109$158
Farmers$123$177
Liberty Mutual$198$261
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: National General

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, $342 per month for their own full-coverage policies, and $154 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
National General$127$283
Direct Auto$138$306
COUNTRY Financial$156$227
USAA$165$239
Auto-Owners$168$240
The General$170$289
State Farm$172$249
Progressive$175$285
Bristol West$175$456
Root$181$320
Allstate$190$276
GAINSCO$218$548
AssuranceAmerica$220$459
Dairyland$236$694
GEICO$244$352
Travelers$245$351
Safeco$255$452
Nationwide$297$429
Farmers$318$456
Liberty Mutual$458$605
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
sort ascsort desc
Full Coverage
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Liability Only
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Birmingham$161$73
Huntsville$133$67
Madison$129$66
Mobile$151$75
Tuscaloosa$150$69
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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, $162 per month for full coverage car insurance and $73 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?

    National General is the cheapest car insurance company for Montgomery drivers. Its liability-only policies start at $122 per month, according to Insurify data. Direct Auto and Progressive are the second- and third-cheapest insurers in Montgomery, with liability-only rates as low as $122 and $123, 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 500+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Nolo. "Alabama Car Accident Laws."
  2. Alabama Department of Insurance. "Automobile Insurance FAQs."
  3. Alabama Department of Transportation. "2022 Crash Facts."
  4. Insurance Information Institute. "Senior driving safety and insurance tips."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Anna Baluch
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.

Anna has been a contributor at Insurify since December 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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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