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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 $70 per month for liability insurance and $195 per month for full coverage. The state-level averages for Alabama are $166 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
Auto-Owners, USAA, and State Farm 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners
4.0
$69
$37
Full coverage
USAA
4.5
$69
$37
Active-duty military an veterans
State Farm
4.5
$69
$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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$43/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.
$82/mo
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.
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified
Fair Prices from a Trustworthy Company
I've had zero issues!
Best insurer for military and veteran drivers: USAA
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$43/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.
$82/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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
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
Check out other companies and their rates before making a decision.
Perry - April 22, 2024
Verified
Pricing
Be careful of the price quoted. It can change.
Sandra - April 21, 2024
Verified
Fair
They are the cheapest car insurance around.
…
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.
Here are the most affordable liability-only car insurance companies in Montgomery.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
43
USAA
43
State Farm
44
Allstate
47
COUNTRY Financial
47
Travelers
59
National General
64
GEICO
65
Direct Auto
69
State Auto
73
Nationwide
74
Progressive
79
AssuranceAmerica
80
Farmers
80
Safeco
82
Clearcover
84
Foremost
89
Midvale Home & Auto
104
Liberty Mutual
112
Bristol West
142
GAINSCO
161
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
For extra protection while driving, 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.
The table below shows the cheapest full-coverage car insurance companies in Montgomery.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
82
USAA
82
State Farm
83
Allstate
89
COUNTRY Financial
91
Travelers
113
GEICO
123
Clearcover
138
Nationwide
140
Safeco
142
AssuranceAmerica
145
National General
145
Progressive
150
Farmers
153
Direct Auto
160
Midvale Home & Auto
180
State Auto
180
Liberty Mutual
208
Foremost
232
GAINSCO
264
Bristol West
330
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.
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
$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:
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.
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 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: USAA
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 $303 per month for full coverage and $109 for liability-only policies. The table below shows the cheapest car insurance companies for Montgomery drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
USAA
58
111
State Farm
59
110
Auto-Owners
60
114
Allstate
63
120
COUNTRY Financial
65
125
Travelers
81
155
National General
87
197
GEICO
88
166
Direct Auto
96
222
Nationwide
101
191
Farmers
108
207
Progressive
111
210
AssuranceAmerica
115
208
Safeco
120
207
Clearcover
122
200
Liberty Mutual
162
301
Bristol West
195
453
GAINSCO
212
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 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 $113 per month for minimum-coverage policies and $314 for full coverage. The table below shows the auto insurers with the cheapest car insurance quotes for Montgomery drivers with an at-fault accident.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
USAA
61
117
Auto-Owners
62
118
State Farm
62
117
Allstate
67
126
COUNTRY Financial
69
134
Travelers
85
162
GEICO
92
175
National General
93
210
Direct Auto
101
234
Nationwide
106
200
Farmers
114
217
Progressive
116
221
AssuranceAmerica
118
214
Safeco
126
219
Clearcover
140
231
Liberty Mutual
170
316
Bristol West
202
469
GAINSCO
225
369
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 $353 per month for full coverage and $127 for liability-only policies. Here’s a look at the average car insurance quotes for Montgomery drivers with a DUI on their records.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
72
138
USAA
72
138
State Farm
74
139
Allstate
79
149
COUNTRY Financial
79
153
Travelers
99
190
National General
107
243
GEICO
109
207
Direct Auto
116
269
Nationwide
124
235
Progressive
133
252
AssuranceAmerica
134
243
Farmers
134
257
Safeco
138
238
Clearcover
141
232
Foremost
149
390
Liberty Mutual
188
349
Bristol West
238
554
GAINSCO
270
443
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: State Farm
As drivers gain experience on the road and get older, car insurance premiums decrease. Average premiums usually decrease around age 35 and then increase a bit around age 70 due to age-related conditions that can impair reaction times and vision.[4] However, senior drivers typically pay lower-than-average premiums than many other age groups.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability
Full Coverage
State Farm
31
59
Auto-Owners
32
60
USAA
32
61
Allstate
35
67
COUNTRY Financial
35
69
Travelers
43
82
GEICO
48
90
National General
48
109
Direct Auto
49
114
Nationwide
51
97
Progressive
52
100
AssuranceAmerica
55
99
Farmers
58
111
Safeco
65
112
Clearcover
73
120
Liberty Mutual
85
158
Bristol West
106
246
GAINSCO
123
202
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 or lock in a good student discount.
Teen drivers in Montgomery pay, on average, $359 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
COUNTRY Financial
68
132
Auto-Owners
73
139
USAA
73
138
State Farm
77
145
Allstate
84
160
GEICO
105
198
Travelers
108
208
National General
124
281
Direct Auto
128
297
Nationwide
129
245
Farmers
142
272
Progressive
145
275
Safeco
149
259
Clearcover
153
251
AssuranceAmerica
157
284
Foremost
162
423
Liberty Mutual
193
358
Bristol West
241
561
GAINSCO
294
482
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.
Compare Auto Insurers in Montgomery
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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.
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 drivers pay, on average, $195 per month for full coverage car insurance and $70 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 $82 per month, according to Insurify data. USAA and State Farm are the second- and third-cheapest insurers in Montgomery, with liability-only rates as low as $82 and $83, 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
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.
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.
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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