Compare the Cheapest Car Insurance Quotes in Montgomery, AL

At $1,181 yearly, Montgomery's average car insurance rate is $40 lower than Alabama's state average. Among the widely available insurers in this city, Allstate offers the cheapest annual rates, at $781 per year on average. MoneyGeek analyzed and rated the most affordable insurance companies by the coverage level and driver profile. To help you find the best policy, MoneyGeek also has recommendations based on quality service and affordability.

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The Cheapest and Best Car Insurance in Montgomery

The Cheapest Car Insurance Companies in Montgomery

If you’re looking for a full coverage insurance policy, the following two companies offer the cheapest rates:

  • USAA: $642 annually (only serving current and former military members)
  • Allstate: $781 annually

For this study, MoneyGeek used a sample profile of a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage.

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Average Cost of Car Insurance in Montgomery

Montgomery$1,181
Alabama$1,221
U.S.$1,424

Montgomery drivers pay an average annual auto insurance rate of $1,181, which is lower than both the state and national averages. In comparison, the city’s average annual premium is 3.3% lower than the $1,221 state average and 17.1% lower than the average yearly rate in the United States.

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The Best Car Insurance Companies in Montgomery

To help the city's drivers get the best rates and service, MoneyGeek ranked Montgomery’s insurers. The following two companies earned the best scores based on MoneyGeek's rating system:

  • Auto-Owners: MoneyGeek score of 90 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

USAA received the highest score in Montgomery by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To obtain the scores out of 100, MoneyGeek used various factors, including J.D. Power's user satisfaction, affordability and financial stability ratings.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
ALFA
Score:88

4/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:83

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
MetLife
Score:75

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
National General
Score:73

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Montgomery

Car insurance companies in Montgomery calculate quotes based on the risks related to a driver. These may include their age, gender, vehicle type, driving history and credit score. Any changes in personal circumstances will affect the annual premium rate. Therefore, it is best to regularly compare personalized quotes to see if you qualify for various incentives, rebates and discounts.

Shopping around for car insurance in Montgomery could save you $400, which is enough to buy:


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133Cups of Coffee
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31Months of Your Favorite Streaming Service

Cheapest Car Insurance in Montgomery by Coverage Amount

Regardless of where in the U.S. you live, the amount of coverage you buy will affect your insurance rates. A car insurance policy meeting only the state minimum liability-only requirements costs an average of $595 yearly in Montgomery. In contrast, a full coverage policy with higher liability limits costs an average of $1,181 per year. That’s a difference of $586.

Alabama Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Insurance companies in the city offer various options. There are 50/100/50 liability-only and full-coverage plans, which allow a policyholder to claim up to $50,000 for individual injuries, $100,000 for all injuries in an accident and $50,000 for property damage. A more comprehensive policy (100/300/100 full coverage) is also available.

GEICO’s state minimum liability policy costs $379 per year on average. Meanwhile, the average annual premium for its 50/100/50 liability-only policy is $449. Adding roughly $286 to that will upgrade the policy to 50/100/50 full coverage. GEICO’s 100/300/100 full-coverage policy typically costs $820 per year. When looking for affordable car insurance, it will also help to consider the difference in cost between coverage levels. If there is only a small difference, it may be better to get a more comprehensive policy.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Montgomery if You Have Driving Violations

Drivers with no violations on record usually get cheaper annual premiums than those with speeding tickets, at-fault accidents or DUIs. For example, Allstate’s average yearly premium for Montgomery drivers with clean records is $781. If a driver has a speeding ticket, a similar policy will increase by about $89. An at-fault accident will result in a $303 increase for an average total of $1,084 per year.

Average Cost of Car Insurance by Postal Code

A driver’s ZIP code will also impact the cost of car insurance. For instance, Montgomery’s average car insurance premium based on ZIP code ranges from $1,176 to $1,187. The most affordable neighborhood for auto insurance is 36117. Drivers in the area pay $11 less than those residing in 36116.

  • Zip Code
    State Minimumper year
  • 36117
    $1,176
  • 36116
    $1,187

Factors That Impact Insurance Costs in Montgomery

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Montgomery. How Montgomery ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities46th/300
handcuffs2 icon
Most Car Thefts196th/300
uninsured icon
Most Uninsured Motorists by State6th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall27th/300
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Most Rainy Days137th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Montgomery are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.