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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Many who drive the streets of Montgomery would never know it’s the capital city of Alabama, as the area is home to only about 200,000 people. A popular destination in the South, Montgomery features a wide range of attractions within its bustling downtown area. Traffic can be difficult in some parts of the city; however, the area contains several major highways and is laid out in such a way that places are easy to get to. Drivers in Montgomery are encouraged to evaluate their auto insurance policy regularly because even though driving here isn’t terribly stressful, it’s always smart to make sure you have the best coverage for your needs.
The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Montgomery, AL to find you the cheapest quotes in the area.
Here are the cheapest carriers in Montgomery for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $80/mo |
 Allstate | $91/mo |
 GEICO | $113/mo |
 Travelers | $119/mo |
 Direct Auto | $140/mo |
| Best Companies | Quotes | |
|---|---|---|
 Nationwide | $200/mo | |
 American Family | $226/mo | |
 Safeco | $169/mo | |
 Liberty Mutual | $237/mo | |
Travelers | $135/mo |
Alabama Cities | |
|---|---|
| Birmingham | $152/mo |
| Mobile | $134/mo |
| Huntsville | $129/mo |
| Tuscaloosa | $136/mo |
| Montgomery | $135/mo |
| Alabama | $137/mo |
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Alabama's minimum liability car insurance limits are as follows:
At $389, quite a few teens will be able to afford car insurance payments with or without help from their parents. Alabamians can expect the premiums to go down as they increase the number of years behind the wheel. That’s why young adults see a $100 cut over the youngest drivers with just a few more years of experience. From there, prices progress down, and everyone over 30 pays less than the state average of $208. Those in their 60s did the best, with a price that’s less than half of what the teens pay.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $382 |
| 20s | $243 |
| 30s | $178 |
| 40s | $159 |
| 50s | $165 |
| 60s | $150 |
| 70s | $160 |
| 80s | N/A |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $178 |
| Speeding Ticket | $250 |
| At-Fault Accident | $254 |
| Failure to Stop for Red Light / Stop Sign | $276 |
In the Heart of Dixie, driving safe means winning on and off the road. Defensive driving gives drivers peace of mind as they navigate the streets, and off the road, they qualify for the “good driver” and “accident-free” discounts from insurance companies. But running a stop sign or red light could cause the rate to spike by over $90 per month. And an at-fault accident makes the bill $70 more per month. The good news is people get to reset their driving record after three years of careful driving.
Montgomery residents are scratching their heads trying to figure out what their Visa has to do with their ability to drive. But Alabama, like most states, allows insurance companies to use credit as a factor when setting rates. Generally, people with the worst credit pay the most for car insurance. So why do people with poor credit pay less than those with average or good credit? Those with better credit may finance costlier cars and need more coverage to protect their assets. Either way, moving from average credit to excellent credit offers a savings of over $35 per month.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $167 |
| Good | $196 |
| Average | $203 |
| Poor | $186 |
Drivers who need to renew their license or registration will find that accessing DMV services in Montgomery is fairly easy. The city has several offices available, with each one focusing on a different set of services. Most offices are open Monday through Friday from 8:30 a.m. to 4:30 p.m., making it somewhat difficult for people who work full-time, who would need to take time off of work just to complete their tasks.
Any history buff will know that Montgomery has a robust bus system as it’s the one where Rosa Parks began her boycott. Today’s routes travel around the downtown area and also serve some of the outlying communities. Those without a vehicle can also utilize a trolley that runs downtown Monday through Saturday from 9 a.m. to 4 p.m. Uber and Lyft are popular options as well, but Montgomery has yet to see alternative means of transportation like the scooters that have become popular in other parts of the nation.
Driving in Montgomery is a nice mixture of big-city freeways and the feeling of a much smaller town. Most residents find that they can reach their destinations with ease, and as long as you’re familiar with your route and give yourself plenty of time on the road, you shouldn’t run into many problems navigating the city.
While you may be perfectly happy with your current auto insurance, it doesn’t hurt to see if there’s a better option out there. Visit Insurify today to compare quotes, discover discounts that you’re eligible for, and enroll in the car insurance option that’s best for you. Most people find that they save more money than they thought possible through Insurify.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Montgomery stacks up for the state of Alabama:
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Phenix City won Insurify's Most Patriotic Cities Award for the state of Alabama. The city is just a stone's throw away from the Fort Benning army base on the Alabama-Georgia border.
