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Cheap Auto Insurance Quotes in Montgomery, AL (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Montgomery is $191 per month, or $2292 annually.
- Car insurance in Montgomery is $28 more than the average cost of car insurance in Alabama.
- The cheapest car insurance provider in Montgomery on average is Amigo USA, but you should always compare quotes to find your best personal rate.
Car Insurance in Montgomery, AL
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.
Quotes by Top Companies
State Farm$80
Allstate$91
GEICO$113
Travelers$119
Direct Auto$140
Cheapest Car Insurance in Montgomery, AL
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Montgomery | Quotes |
|---|---|
| State Farm | $80 /mo |
| Allstate | $91 /mo |
| GEICO | $113 /mo |
| Travelers | $119 /mo |
| Direct Auto | $140 /mo |
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Best Car Insurance in Montgomery, AL
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 company reviews. The following are the top rated companies that offer car insurance in Montgomery. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Nationwide | 89 | $200 /mo |
| American Family | 89 | $226 /mo |
| Safeco | 86 | $169 /mo |
| Liberty Mutual | 82 | $237 /mo |
| Travelers | 80 | $135 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Alabama Cities | |
|---|---|
| Birmingham | $152/mo |
| Mobile | $134/mo |
| Huntsville | $129/mo |
| Tuscaloosa | $136/mo |
| Montgomery | $135/mo |
| Alabama | $137/mo |
Huntsville$129
Mobile$134
Montgomery$135
Tuscaloosa$136
Average for AL$137
Birmingham$152
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in AL
Alabama's minimum liability car insurance limits are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Montgomery Car Insurance Rates by Driver Age
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 | Avg. Monthly Cost |
|---|---|
| teens | $382 |
| 20s | $243 |
| 30s | $178 |
| 40s | $159 |
| 50s | $165 |
| 60s | $150 |
| 70s | $160 |
| 80s | N/A |
Montgomery Car Insurance Rates by Driving and Accident History
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $178 |
| Speeding Ticket | $250 |
| At-Fault Accident | $254 |
| Failure to Stop for Red Light / Stop Sign | $276 |
Montgomery Car Insurance Rates by Credit Tier
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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $167 |
| Good | $196 |
| Average | $203 |
| Poor | $186 |
See More: Bad Credit Car Insurance Alabama
Find local Montgomery agents
Shaw Insurance Agency
75 Market Pl,
Montgomery, AL 36117American Small Business & Family Insurance Specialists, LLC
9164 East Chase Parkway #332,
Montgomery, AL 36117-6883Steinhilber & Strawbridge, Inc.
2100 Mt. Meigs Road,
Montgomery, AL 36107Palomar Insurance Corporation
4525 Executive Park Dr,
Suite 202, Montgomery, AL 36116-1624Belcher Agency, Inc.
416 South Perry Street,
Montgomery, AL 36104Aronov Insurance, Inc.
3500 Gatsby Lane,
Montgomery, AL 36106Harmon Dennis & Bradshaw, Inc.
4131 Carmichael Rd.,
Montgomery, AL 36106Thompson Insurance, Inc.
3300 Gatsby Ln,
Montgomery, AL 36106-2696Starke Agency, Inc.
210 Commerce St,
Montgomery, AL 36010-4Starr Insurance Group dba The Whitecotton Agency LLC
1736 W 2nd St,
Montgomery, AL 36106-1502
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.
FAQs - Montgomery, AL Car Insurance
Some residents can qualify for a hardship license, allowing them to operate a vehicle under specific circumstances. If you need a driver’s license and are not eligible for a traditional one, you may want to explore the option of a hardship license. Alabama stipulates that drivers must maintain a minimum of $25,000 for bodily injury liability and $25,000 for property damage. While you aren’t required to have collision insurance, it’s highly recommended. There are several local agents in the area; however, if you’re looking for the best deal on a policy, Insurify is the place to visit. With just a few clicks, you can explore real-time quotes from a range of insurance companies and select the policy that best fits your driving habits.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Montgomery Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Montgomery, Alabama below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Montgomery drivers measure up to their fellow motorists across Alabama in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Montgomery
#12
City with the Most Speeding Tickets Rank in Alabama
#24
City with the Most Moving Violations Rank in Alabama
#23
City with the Most DUIs Rank in Alabama
#4
City with the Most Suspended Licenses in Alabama
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.
- Rank within state: #12
- Percent of drivers in Montgomery with an accident: 11.38%
- Drivers in Montgomery, AL with an accident in their driving history pay on average 49.07% more than drivers with a clean record
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.
- Rank within state: #12
- Percent of drivers in Montgomery with a speeding ticket: 12.19%
- Drivers in Montgomery, AL with a speeding ticket in their driving history pay on average 54.66% more than drivers with a clean record
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.
- Rank within state: #23
- Percent of drivers in Montgomery with a DUI: 0.94%
- Drivers in Montgomery, AL with a DUI in their driving history pay on average 0% more than drivers with a clean record
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.
- Rank within state: #4
- Percent of drivers in Montgomery with a reckless driving violation: 2.05%
- Drivers in Montgomery, AL with a reckless driving violation in their driving history pay on average 57.14% more than drivers with a clean record.
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.
- Rank within state: #7
- Percent of drivers in Montgomery with clean record: 78.53%
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.
- Rank within state: #6
- Percent of drivers in Montgomery with a failure to yield violation: 0.21%
- Drivers in Montgomery, AL with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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.
- Rank within state: #7
- Percent of drivers in Montgomery with a reckless driving offense: 0.04%
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.
- Rank within state: #20
- Percent of drivers in Montgomery with a hybrid/electric vehicle: 0.55%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others