120+ more*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6+ years writing about insurance, travel, and personal finances
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NPN: 21630969
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
Montgomery residents pay an average of $76 per month for a liability-only car insurance policy and $158 monthly for a full-coverage auto insurance policy.
Montgomery’s auto insurance coverage rates align with Mobile’s rates of $74 for liability-only coverage and $160 for full coverage, despite Mobile being a coastal city and having a higher hurricane risk. But smaller Alabama cities, like nearby Dothan, have cheaper car insurance averages.
Rates in Alabama may fluctuate based on a number of factors, including weather risks, population density, and accident levels. More than 4% of Montgomery drivers have an accident on their record, according to Insurify data, which increases rates for everyone. Additionally, Montgomery residents spend an average of 20 minutes commuting to work, which is less than the state average.
Alabama’s insurance minimums only require proof of $25,000/$50,000 of bodily injury liability insurance and $25,000/$75,000 of property damage insurance.[1] This type of insurance usually has the lowest average cost for Montgomery drivers because it only includes two insurance coverages.
National General offers the cheapest liability car insurance in Montgomery, at an average of $46 per month. This is below the state average of $67 per month.
The cheapest car insurance in Montgomery that meets Alabama’s minimum requirements is listed in the table below.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| National General | $46 |
| Auto-Owners | $50 |
| State Farm | $50 |
| USAA | $50 |
| Allstate | $54 |
| Country Financial | $55 |
| Progressive | $56 |
| Direct Auto | $57 |
| AssuranceAmerica | $68 |
| First Acceptance | $68 |
| The General | $68 |
| Travelers | $68 |
| Trexis | $71 |
| GEICO | $73 |
| Bristol West | $80 |
| GAINSCO | $83 |
| Nationwide | $83 |
| Farmers | $91 |
| Safeco | $98 |
| Dairyland | $108 |
| Root | $114 |
| Liberty Mutual | $146 |
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Full-coverage policies typically include comprehensive and collision coverage, which protects your car. Alabama is an at-fault state, which means if you cause an accident, any damage done to your car isn’t covered if you only carry a minimum liability policy.
Enhanced coverage lends peace of mind to Montgomery drivers who frequently drive on I-65. This highway often sees heavy congestion and construction, which increases the likelihood of an accident.
Companies like USAA and National General offer the cheapest full-coverage car insurance in Montgomery.
Check out the cheapest rates for full-coverage car insurance in Montgomery below.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| National General | $104 |
| USAA | $104 |
| Auto-Owners | $105 |
| State Farm | $105 |
| Allstate | $113 |
| Country Financial | $115 |
| Direct Auto | $120 |
| Progressive | $124 |
| Travelers | $142 |
| AssuranceAmerica | $144 |
| GEICO | $155 |
| The General | $156 |
| Safeco | $176 |
| Trexis | $176 |
| Nationwide | $177 |
| Root | $179 |
| Farmers | $192 |
| First Acceptance | $194 |
| Bristol West | $196 |
| GAINSCO | $218 |
| Liberty Mutual | $226 |
| Dairyland | $275 |
Montgomery and Birmingham share commonalities, including easy access to Atlanta Highway I-285, but Alabama’s capital has lower average rates for full-coverage policies. One reason is that Birmingham has significantly more annual motor vehicle thefts than Montgomery.
Dothan has far fewer instances of car theft than Montgomery, which may be why its average full-coverage rates are lower.
The table below shows average monthly car insurance quotes in Montgomery compared to other cities.
City | Average Monthly Quote |
|---|---|
| Birmingham | $123 |
| Dothan | $94 |
| Enterprise | $93 |
| Huntsville | $102 |
| Madison | $99 |
| Mobile | $117 |
| Montgomery | $117 |
| Tuscaloosa | $110 |
Montgomery County has one of the highest counts of intersection-related crashes, non-intersection-related crashes, and traffic fatalities with apparent alcohol or drug involvement in the state, according to the Alabama Department of Transportation.[2]
Accident rates, fatality frequency, and driving under the influence (DUI) convictions can increase the overall average cost of car insurance in a specific area, especially in a city like Montgomery that has a dense population.
*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Even a single at-fault accident, speeding ticket, or DUI can increase premiums for Montgomery drivers. While Montgomery has a low percentage of drivers with DUI convictions, drivers should be aware of the following car insurance companies that offer lower rates despite imperfect driving records.
Cheapest car insurance for Montgomery drivers with a clean driving record: National General
Cheapest car insurance for drivers with a speeding ticket in Montgomery: National General
Cheapest car insurance for Montgomery drivers with an at-fault accident: National General
Cheapest car insurance for drivers with a DUI in Montgomery: National General
Nearly 80% of accidents in Montgomery County occur at intersections, particularly on Eastern Boulevard, which includes high-risk intersections at Carmichael Road and I-85.[3] More than 4% of Montgomery drivers have an at-fault accident on their driving records, according to Insurify data. Average full-coverage premiums in the city jump from $158 to $218 per month specifically for this incident.
Look at the table below to see how speeding tickets, accidents, and DUIs increase rates in Montgomery.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $117 |
| Speeding ticket | $157 |
| At-fault accident | $162 |
| DUI | $169 |
Accidents happen, but even on empty roads Montgomery drivers still face challenges. One study suggests that the poor conditions of city roadways cost the average driver more than $1,300 per year in additional vehicle operating costs.
The approximately 2,500 parking spaces within a quarter mile of The Alley present two obstacles: more vehicles present increases the chances for fender benders at traffic lights, and accidental or vandalism damages in parking lots. This is especially true since The Alley’s diverse restaurant and entertainment options attract tourists who may not be familiar with the roads.[4]
Drivers on the northern side of Montgomery should also be aware of potential flood events from the Alabama River. Roadways, including portions of River Road, are subject to flooding if the water level rises 30 feet. Comprehensive coverage includes full coverage and can cover flood damage.
Montgomery’s traffic congestion is unique: The state capital employs more than 6,000 government officials, while Alabama State University welcomes approximately 4,000 students each year. Throughout the year, tourism brings more stop-and-go traffic, which may only increase if the Dexter Avenue King Memorial Baptist Church becomes a UNESCO World Heritage Site.
The city is also rated the second-worst in the country for Thanksgiving traffic. More cars on the road, especially out-of-state visitors and young drivers, increases the chances for accidents and policy premium increases.
Montgomery teenagers as young as 15 can get behind the wheel if they have a learner’s license.[5] Driver inexperience causes nearly 25% of fatal accidents in Alabama, which is why rates for teens in Montgomery are twice as high as for drivers in their 30s and 40s.[6]
Minimum-coverage policies for teen drivers cost an average of $151 per month. But National General and USAA offer the lowest monthly rates for Montgomery teens.
Let’s look closer at the cheapest rates for teenage drivers in Montgomery in the table below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Country Financial | $93 |
| National General | $96 |
| USAA | $97 |
| State Farm | $102 |
| Auto-Owners | $106 |
| Progressive | $111 |
| Allstate | $112 |
| Direct Auto | $116 |
| The General | $128 |
| First Acceptance | $135 |
| GEICO | $138 |
| Trexis | $141 |
| AssuranceAmerica | $147 |
| Travelers | $148 |
| Bristol West | $149 |
| GAINSCO | $155 |
| Nationwide | $169 |
| Farmers | $190 |
| Dairyland | $198 |
| Safeco | $208 |
| Root | $208 |
| Liberty Mutual | $269 |
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Seniors 65 and older make up 16% of Montgomery’s population. National General and USAA offer senior drivers in Montgomery some of the lowest rates in the city.
Look at the table below to see how low other insurance agencies in Montgomery price rates for senior drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| National General | $37 |
| State Farm | $40 |
| Auto-Owners | $40 |
| USAA | $41 |
| Country Financial | $45 |
| Allstate | $45 |
| Direct Auto | $48 |
| Progressive | $50 |
| AssuranceAmerica | $55 |
| Travelers | $56 |
| The General | $59 |
| GEICO | $59 |
| First Acceptance | $61 |
| Trexis | $64 |
| Nationwide | $65 |
| Bristol West | $68 |
| GAINSCO | $73 |
| Farmers | $74 |
| Safeco | $87 |
| Dairyland | $94 |
| Root | $97 |
| Liberty Mutual | $124 |
Before you speak to a local agent or compare rates online, consider this additional information about auto insurance in Montgomery, Alabama.
Montgomery’s average monthly car insurance rate is $117, according to Insurify data. But averages can range from $76 for liability coverage to $158 for full coverage. Your rate could be lower or higher depending on your driving history and vehicle type.
National General has the cheapest average liability coverage in Montgomery, at $46 per month.
Alabama’s average auto insurance rates are cheaper than the national average and only more expensive than 14 other states. One reason may be that Alabama faces a significant risk of hurricanes compared to those 14 states. Additionally, 4.7% of Alabama drivers have accidents on their record, which increases rates for everyone.
The best car insurance companies in Montgomery offer the right coverage for your needs and budget. For instance, USAA is the best car insurance company in Montgomery for the city’s 12,000 veterans who want low rates. Other good insurers include State Farm, Auto-Owners, and COUNTRY Financial.
Age, driving record, what vehicle you drive, and your credit can all affect insurance rates in Montgomery. For example, Alabama has a graduated license program for drivers aged 15 to 17. These drivers tend to pay higher premiums, especially if they have imperfect driving records.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.