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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 | |
|---|---|
 State Farm | $80/mo |
 Allstate | $91/mo |
GEICO | $113/mo |
 Travelers | $119/mo |
 Direct Auto | $140/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Montgomery. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Nationwide | $200/mo | |
 American Family | $226/mo | |
 Safeco | $169/mo | |
 Liberty Mutual | $237/mo | |
Travelers | $135/mo |
| 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 | |
|---|---|
| teens | $382 |
| 20s | $243 |
| 30s | $178 |
| 40s | $159 |
| 50s | $165 |
| 60s | $150 |
| 70s | $160 |
| 80s | N/A |
| Driving History | |
|---|---|
| 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 | |
|---|---|
| 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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Montgomery drivers measure up to their fellow Alabama motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Montgomery drivers rank 12 in the number of car accidents per driver across all cities in Alabama.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Alabama, Montgomery drivers rank 12 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Montgomery drivers rank 23 in the number of DUI’s per driver across all cities in Alabama.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Montgomery is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Alabama, Montgomery drivers rank 4 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Montgomery drivers rank 7 in clean driving records across all cities in Alabama.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Montgomery drivers rank 6 in failure to yield violations per driver across all cities in Alabama.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Alabama, Montgomery drivers rank 7 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Montgomery drivers rank 20 in hybrid and electric vehicle ownership across all cities in 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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
