Cheap Auto Insurance Quotes in Montgomery, AL (September 2022)

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.

Minimum Car Insurance Requirements in Alabama

All motor vehicles operated or parked on Alabama roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Alabama^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Alabama is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $50,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Montgomery, AL DMV Information

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.

Public Transportation in Montgomery, AL

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.

How to get the best and cheapest car insurance in Montgomery, AL

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.