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 $165 per month for liability insurance and $260 per month for full coverage. 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

An average liability policy in Montgomery is 18% more expensive than the state average.
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]

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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.

Best insurer for full coverage: Auto-Owners

Full CoverageAuto-Owners

Compare personalized, real-time quotes

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.	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.	$42/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

Overview

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 and cons

Pros

Plenty of add-on coverage options advertised
Offers purchase price guarantee coverage

Cons

No SR-22 filing available
Doesn’t offer online quotes

Reviews

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019

Verified

Good customer service

Debora - February 12, 2019

Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018

Verified

Read our Auto-Owners review

Best insurer for military and veteran drivers: USAA

Military and Veteran DriversUSAA

Compare personalized, real-time quotes

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.	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.	$42/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

Overview

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 and cons

Pros

SafePilot usage-based insurance program
Above-average J.D. Power customer satisfaction rating

Cons

Doesn’t offer gap insurance
Restrictive membership requirements

Reviews

The representative was very helpful and caring. I felt valued.

Tawana - January 17, 2023

Verified

I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.

Christina - January 17, 2023

Verified

Exceptional customer service

Anthony - January 15, 2023

Verified

Read our USAA review

Best insurer for bundling: State Farm

BundlingState Farm

Compare personalized, real-time quotes

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.	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.	$80/mo

Overview

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 and cons

Pros

Generous bundling discount
Select Service program for vehicle claims and repairs

Cons

Gap insurance not available
No option to purchase a policy online

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

Cheapest liability-only car insurance in Montgomery

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Auto-Owners	42
USAA	42
State Farm	44
Allstate	47
COUNTRY Financial	47
Travelers	59
National General	61
GEICO	64
Direct Auto	72
State Auto	75
Progressive	78
Farmers	79
Foremost	80
AssuranceAmerica	81
Safeco	84
Clearcover	95
Midvale Home & Auto	105
Liberty Mutual	114
Bristol West	144
GAINSCO	157

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

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Auto-Owners	80
State Farm	80
USAA	80
Allstate	87
COUNTRY Financial	88
Travelers	118
GEICO	119
Nationwide	130
Direct Auto	133
Clearcover	141
National General	146
Progressive	146
AssuranceAmerica	147
Farmers	148
Safeco	153
Midvale Home & Auto	181
State Auto	203
Foremost	205
Liberty Mutual	214
GAINSCO	259
Bristol West	325

Estimate your Montgomery car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 39%

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.

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.

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 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

In 2020, speeding was the top cause of fatal crashes 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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	127	66
State Farm	127	70
USAA	127	66
Allstate	138	74
COUNTRY Financial	139	74
Travelers	187	93
GEICO	188	101
Direct Auto	210	114
Clearcover	223	150
National General	231	96
Progressive	231	123
AssuranceAmerica	233	128
Farmers	234	125
Safeco	242	133
Midvale Home & Auto	286	166
State Auto	321	119
Foremost	324	127
Liberty Mutual	339	180
GAINSCO	410	248
Bristol West	514	228

Cheapest car insurance for drivers with an at-fault accident

In 2020, there were 9,028 car accidents and 36 traffic fatalities in Montgomery County.^[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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	128	67
State Farm	128	70
USAA	128	67
Allstate	139	75
COUNTRY Financial	140	75
Travelers	188	94
GEICO	190	102
Direct Auto	212	115
Clearcover	225	151
National General	233	97
Progressive	233	124
AssuranceAmerica	234	129
Farmers	236	126
Safeco	244	134
Midvale Home & Auto	288	167
State Auto	324	120
Foremost	327	128
Liberty Mutual	341	182
GAINSCO	413	250
Bristol West	518	230

Cheapest car insurance for drivers with a DUI

Alabama reported 158 deaths in 5,106 crashes with suspected alcohol or drug impairment in 2020.^[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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	144	75
State Farm	144	79
USAA	144	75
Allstate	156	84
COUNTRY Financial	158	84
Travelers	212	106
GEICO	213	115
Direct Auto	239	129
Clearcover	253	170
National General	262	109
Progressive	262	140
AssuranceAmerica	264	145
Farmers	265	142
Safeco	274	151
Midvale Home & Auto	325	188
State Auto	364	135
Foremost	368	144
Liberty Mutual	384	205
GAINSCO	465	282
Bristol West	583	258

Cheapest car insurance for seniors

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 75 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.

Here’s a look at the lowest auto insurance quotes for Montgomery senior drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	41	21
State Farm	41	22
USAA	41	21
Allstate	44	24
COUNTRY Financial	45	24
GEICO	60	32
Travelers	60	30
Direct Auto	67	36
Clearcover	71	48
AssuranceAmerica	74	41
National General	74	31
Progressive	74	40
Farmers	75	40
Safeco	78	43
Midvale Home & Auto	92	53
State Auto	103	38
Foremost	104	41
Liberty Mutual	108	58
GAINSCO	131	80
Bristol West	165	73

Cheapest car insurance for teens

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 2020.^[3] To save money on auto insurance, teens can stay on their parents’ policy or lock in a good student discount.

Here are the cheapest auto insurance companies in Montgomery for teens and young drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	150	79
State Farm	150	83
USAA	150	79
Allstate	163	88
COUNTRY Financial	165	88
Travelers	222	111
GEICO	224	120
Direct Auto	250	135
Clearcover	265	178
National General	274	115
Progressive	274	147
AssuranceAmerica	276	152
Farmers	278	148
Safeco	287	158
Midvale Home & Auto	340	197
State Auto	381	141
Foremost	385	150
Liberty Mutual	402	214
GAINSCO	487	295
Bristol West	611	271

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.

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.^[5]

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.^[6]

For example, full-coverage quotes for Montgomery are cheaper than they are in Bessemer, possibly because Jefferson County, where Bessemer is located, reported more than 100 traffic fatalities in 2020, while Montgomery County reported 36.^[3] Montgomery’s average cost of car insurance is also cheaper than Mobile’s, likely due to Mobile’s coastal location and history of hurricanes.

More cities in Alabama

Here’s how the average quote for full-coverage car insurance in Montgomery compares to other Alabama cities’ quotes.

City	Average Monthly Quote	Compared to Montgomery
Bessemer	$287	10%
Birmingham	$254	-2%
Huntsville	$229	-12%
Madison	$252	-3%
Mobile	$280	8%
Tuscaloosa	$260	0%

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?
The average cost of car insurance in Montgomery is $165 a month for liability-only coverage and $260 a month for full-coverage insurance.
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.^[2]
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.^[6]

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.

More cities in Alabama

Popular cities

Sources

Nolo. "Alabama Car Accident Statute of Limitations, Alabama Contributory Negligence Rule." Accessed August 7, 2023
Alabama Department of Insurance. "Automobile Insurance FAQs." Accessed August 7, 2023
Alabama Department of Transportation. "2020 Crash Facts." Accessed August 7, 2023
III. "Senior driving safety and insurance tips." Accessed August 7, 2023
Alabama Department of Insurance. "How Credit-Based Insurance Scores Affect Your Premium." Accessed August 7, 2023
III. "What determines the price of an auto insurance policy?." Accessed August 7, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

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.

Read Editorial Guidelines

View Full Bio

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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Montgomery, Alabama

Best car insurance companies in Montgomery

Best insurer for full coverage: Auto-Owners

Full CoverageAuto-Owners

Best insurer for military and veteran drivers: USAA

Military and Veteran DriversUSAA

Best insurer for bundling: State Farm

BundlingState Farm

Cheapest liability-only car insurance in Montgomery

Cheapest full-coverage car insurance in Montgomery

Estimate your Montgomery car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Alabama

Comprehensive coverage

Collision coverage

Uninsured/underinsured motorist coverage

Medical payments coverage

Rental car reimbursement

Cheapest car insurance for drivers with an incident

Shop for Auto Insurance in Montgomery, AL

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Montgomery

Compare Auto Insurers in Montgomery

Montgomery car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Montgomery?

More cities in Alabama

Montgomery car insurance FAQs

Methodology

Related articles

More cities in Alabama

Popular cities

Sources

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