Cheap Auto Insurance in Montgomery, Alabama (2024)

Auto-Owners offers the cheapest car insurance rates in Mobile, with minimum-coverage policies starting at $43 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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Reviewed byDaniel Roccato
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  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated July 14, 2024

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Cheapest recent rates near Montgomery, Alabama

Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $69/mo for full coverage in Montgomery and other Alabama cities.

*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $69 per month for liability insurance and $185 per month for full coverage. The state-level averages for Alabama are $160 for full coverage and $60 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, State Farm, and USAA 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners8.5$68$37Full coverage
USAA9.4$68$37Active-duty military an veterans
State Farm9.3$69$37Bundling
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.

Best insurer for full coverage: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
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.
$79/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.

Pros
  • Plenty of add-on coverage options advertised

  • Offers purchase price guarantee coverage

Cons
  • No SR-22 filing available

  • Doesn’t offer online quotes

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Best insurer for military and veteran drivers: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
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.
$79/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

Cons
  • Doesn’t offer gap insurance

  • Restrictive membership requirements

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for bundling: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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.
$80/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

Cons
  • Gap insurance not available

  • No option to purchase a policy online

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

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. Liability-only policies generally work best for drivers who have an older, less-expensive, and paid-off vehicle.

Here are the most affordable liability-only car insurance companies in Montgomery.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$43
State Farm$43
USAA$43
Allstate$46
COUNTRY Financial$47
Travelers$59
National General$62
GEICO$64
Direct Auto$66
Nationwide$73
Progressive$77
Farmers$79
Safeco$85
AssuranceAmerica$88
Clearcover$89
Foremost$100
Midvale Home & Auto$102
GAINSCO$129
Liberty Mutual$134
Bristol West$137
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

Though more expensive than liability-only coverage, 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. And, if you lease or finance your car, your leasing company or lender will require you to buy full-coverage car insurance.

The table below shows the cheapest full-coverage car insurance companies in Montgomery.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$79
USAA$79
State Farm$80
Allstate$85
COUNTRY Financial$88
Travelers$107
GEICO$118
Nationwide$135
Safeco$141
National General$143
Progressive$144
Farmers$145
Clearcover$151
AssuranceAmerica$158
Direct Auto$163
Midvale Home & Auto$174
Liberty Mutual$229
Foremost$252
GAINSCO$277
Bristol West$333
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 recent rates near Montgomery, Alabama

Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $70/mo for full coverage in Montgomery and other Alabama cities.

*Quotes generated for Insurify users in and around Montgomery, Alabama within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers vehicle damages from non-collision events, such as theft and windshield damage from a rock.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage is a lot like personal injury protection (PIP) coverage and pays for medical expenses and funeral costs, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    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 driving 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.

Shop for Auto Insurance in Montgomery, AL

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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 $295 per month for full coverage and $110 for liability-only policies. The table below shows liability car insurance rates for Montgomery drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
Auto-Owners$43$60
State Farm$43$59
USAA$43$59
Allstate$46$64
COUNTRY Financial$47$66
Travelers$59$82
National General$62$86
GEICO$64$89
Direct Auto$66$91
Nationwide$73$102
Progressive$77$107
Farmers$79$109
Safeco$85$119
AssuranceAmerica$88$124
Clearcover$89$124
Foremost$100$151
Midvale Home & Auto$102$146
GAINSCO$129$194
Liberty Mutual$134$202
Bristol West$137$189
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 $114 per month for minimum-coverage policies and $305 for full coverage. The table below shows the auto insurers with the cheapest liability-only car insurance quotes for Montgomery drivers with an at-fault accident.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
Auto-Owners$43$62
State Farm$43$62
USAA$43$62
Allstate$46$67
COUNTRY Financial$47$70
Travelers$59$86
National General$62$90
GEICO$64$93
Direct Auto$66$97
Nationwide$73$106
Progressive$77$113
Farmers$79$114
Safeco$85$120
AssuranceAmerica$88$127
Clearcover$89$137
Foremost$100$157
Midvale Home & Auto$102$156
GAINSCO$129$180
Liberty Mutual$134$210
Bristol West$137$196
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 $342 per month for full coverage and $127 for liability-only policies. Here’s a look at average minimum-coverage car insurance quotes for Montgomery drivers with a DUI on their records.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
Auto-Owners$43$76
State Farm$43$76
USAA$43$76
Allstate$46$81
COUNTRY Financial$47$83
Travelers$59$104
National General$62$109
GEICO$64$113
Direct Auto$66$117
Nationwide$73$129
Progressive$77$136
Farmers$79$139
Safeco$85$150
AssuranceAmerica$88$155
Clearcover$89$157
Foremost$100$177
Midvale Home & Auto$102$180
GAINSCO$129$228
Liberty Mutual$134$237
Bristol West$137$242
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 25 and then increase a bit around age 70 due to age-related conditions that increase accident risks.[4] However, senior drivers typically pay lower-than-average premiums than many other age groups.

Car insurance for seniors in Montgomery averages $134 per month for full coverage and $50 for liability-only policies. Here’s a look at the lowest auto insurance quotes for Montgomery senior drivers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiabilityFull Coverage
State Farm$31$58
Auto-Owners$32$58
USAA$32$59
Allstate$35$64
COUNTRY Financial$35$65
Travelers$43$79
National General$45$105
Direct Auto$48$118
GEICO$48$88
Nationwide$51$94
Progressive$51$96
Farmers$58$106
AssuranceAmerica$62$112
Safeco$65$108
Clearcover$67$114
Foremost$73$185
Midvale Home & Auto$73$125
GAINSCO$100$216
Liberty Mutual$101$173
Bristol West$103$250
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, complete an approved driver education course, or lock in a good student discount.

Teen drivers in Montgomery pay, on average, $344 per month for their own full-coverage policies, and $128 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
COUNTRY Financial$71$132
USAA$73$134
State Farm$74$139
Auto-Owners$75$138
Allstate$82$152
GEICO$103$190
Travelers$108$196
Direct Auto$122$302
National General$122$281
Nationwide$128$236
Progressive$141$265
Farmers$142$260
AssuranceAmerica$166$299
Clearcover$176$298
Midvale Home & Auto$179$306
Safeco$179$297
Foremost$181$456
GAINSCO$233$501
Bristol West$238$578
Liberty Mutual$251$429
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.

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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.

CityFull CoverageLiability Only
Birmingham$185$69
Huntsville$147$64
Madison$170$61
Mobile$186$71
Tuscaloosa$173$64
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 car insurance FAQs

Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about Montgomery car insurance.

  • How much is car insurance in Montgomery?

    Montgomery drivers pay, on average, $185 per month for full coverage car insurance and $69 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 $79 per month, according to Insurify data. State Farm and USAA are the second- and third-cheapest insurers in Montgomery, with liability-only rates as low as $79 and $80, 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.

Sources

  1. Nolo. "Alabama Car Accident Laws."
  2. Alabama Department of Insurance. "Automobile Insurance FAQs."
  3. Alabama Department of Transportation. "2022 Crash Facts."
  4. Insurance Information Institute. "Senior driving safety and insurance tips."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Anna Baluch
Anna BaluchInsurance Writer

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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