Compare Rates and Save on Auto Insurance

widget-location-pin

Your driving background and auto insurance coverage preferences will determine the provider that best matches your needs. For example, Progressive offers the lowest premium if you have a speeding ticket or an at-fault accident, while GEICO is the cheapest for a DUI. Nationwide is the most affordable for teenagers and families. USAA is the cheapest for military members. Cincinnati Insurance is the best overall and the best for customer service and affordability.

MoneyGeek Logo IconCheapest + BestCar InsuranceMontgomery
2023

Cheapest and Best Car Insurance in Montgomery, AL

Cheapest Minimum Liability Car Insurance in Montgomery

The following insurers offer the cheapest minimum coverage car insurance policies in Montgomery:

  • Cincinnati Insurance: $226 per year
  • Nationwide: $309 per year

With an annual average cost of $510, Progressive’s premium is the highest in Montgomery. Cincinnati Insurance also offers the most affordable coverage in Alabama at $201 per year as of October 2022, although your rate may vary based on where you live.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$199

$17

Cincinnati Insurance

$226

$19

Cincinnati Insurance

$291

$24

Nationwide

$302

$25

Nationwide

$309

$26

Country Financial

$331

$28

Country Financial

$336

$28

Nationwide

$422

$35

Travelers

$423

$35

State Farm

$441

$37

Auto-Owners Insurance Co

$446

$37

Travelers

$449

$37

GEICO

$455

$38

Auto-Owners Insurance Co

$455

$38

Allstate

$458

$38

Country Financial

$468

$39

State Farm

$468

$39

Travelers

$477

$40

Allstate

$479

$40

GEICO

$483

$40

Progressive

$484

$40

Allstate

$496

$41

Farmers

$507

$42

Progressive

$510

$43

Farmers

$527

$44

GEICO

$554

$46

Cincinnati Insurance

$558

$47

State Farm

$571

$48

Auto-Owners Insurance Co

$595

$50

Nationwide

$620

$52

Farmers

$623

$52

Progressive

$638

$53

Cincinnati Insurance

$682

$57

Nationwide

$685

$57

Allstate

$781

$65

Country Financial

$814

$68

Allstate

$833

$69

Cincinnati Insurance

$847

$71

Travelers

$851

$71

Travelers

$858

$71

Allstate

$859

$72

Country Financial

$887

$74

Nationwide

$903

$75

Farmers

$911

$76

State Farm

$913

$76

GEICO

$924

$77

GEICO

$948

$79

Farmers

$963

$80

State Farm

$993

$83

Auto-Owners Insurance Co

$999

$83

Travelers

$1,013

$84

Auto-Owners Insurance Co

$1,034

$86

Farmers

$1,162

$97

GEICO

$1,175

$98

Country Financial

$1,179

$98

State Farm

$1,268

$106

Progressive

$1,280

$107

Progressive

$1,355

$113

Auto-Owners Insurance Co

$1,429

$119

Progressive

$1,758

$147

Minimum coverage insurance policies in Alabama must include the following state-mandated liability limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Liability-only insurance covers damages to the other party’s vehicle, not your own. With the limits included above, if you’re found at fault in an accident, your insurer will pay for injuries up to $25,000 per person and $50,000 per accident. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Montgomery

The following insurers offer the cheapest full coverage car insurance plans in Montgomery:

  • Cincinnati Insurance: $682 per year
  • Nationwide: $685 per year

At an average yearly cost of $722, Cincinnati Insurance also offers the most affordable full coverage car insurance in Alabama. Based on these rates, car insurance in Montgomery may cost slightly less than car insurance in other areas of the state as of October 2022. Progressive has the most expensive full coverage policies in Montgomery, charging approximately $1,355 per year.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$199

$17

Cincinnati Insurance

$226

$19

Cincinnati Insurance

$291

$24

Nationwide

$302

$25

Nationwide

$309

$26

Country Financial

$331

$28

Country Financial

$336

$28

Nationwide

$422

$35

Travelers

$423

$35

State Farm

$441

$37

Auto-Owners Insurance Co

$446

$37

Travelers

$449

$37

GEICO

$455

$38

Auto-Owners Insurance Co

$455

$38

Allstate

$458

$38

Country Financial

$468

$39

State Farm

$468

$39

Travelers

$477

$40

Allstate

$479

$40

GEICO

$483

$40

Progressive

$484

$40

Allstate

$496

$41

Farmers

$507

$42

Progressive

$510

$43

Farmers

$527

$44

GEICO

$554

$46

Cincinnati Insurance

$558

$47

State Farm

$571

$48

Auto-Owners Insurance Co

$595

$50

Nationwide

$620

$52

Farmers

$623

$52

Progressive

$638

$53

Cincinnati Insurance

$682

$57

Nationwide

$685

$57

Allstate

$781

$65

Country Financial

$814

$68

Allstate

$833

$69

Cincinnati Insurance

$847

$71

Travelers

$851

$71

Travelers

$858

$71

Allstate

$859

$72

Country Financial

$887

$74

Nationwide

$903

$75

Farmers

$911

$76

State Farm

$913

$76

GEICO

$924

$77

GEICO

$948

$79

Farmers

$963

$80

State Farm

$993

$83

Auto-Owners Insurance Co

$999

$83

Travelers

$1,013

$84

Auto-Owners Insurance Co

$1,034

$86

Farmers

$1,162

$97

GEICO

$1,175

$98

Country Financial

$1,179

$98

State Farm

$1,268

$106

Progressive

$1,280

$107

Progressive

$1,355

$113

Auto-Owners Insurance Co

$1,429

$119

Progressive

$1,758

$147

Full coverage auto insurance offers two additional coverage types in addition to liability insurance — collision and comprehensive insurance.

  • Collision Insurance: Pays for the costs to repair your damaged car after colliding with an object or another vehicle.
  • Comprehensive Insurance: Pays for damage to your car from non-collision-related incidents like vandalism or theft.

A full coverage policy can be worthwhile if you have a new car and want to safeguard your investment. However, if you have an older car, comprehensive and collision coverage may not be worth the added cost.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Montgomery.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Montgomery After a Driving Offense

In Montgomery, drivers with violations can get the cheapest rates from the following insurers:

  • Speeding ticket: Cincinnati Insurance ($814 per year)
  • At-fault accident: Allstate ($1,108 per year)
  • DUI: Allstate ($1,074 per year)

The most expensive insurers for drivers with speeding tickets, at-fault accidents and DUI offenses are Progressive ($1,771 per year), Progressive ($2,411 per year) and Auto-Owners Insurance Co ($2,153 per year). After a traffic violation, your insurance rate will increase. Even relatively cheap rates for drivers with violations will be more than average-priced rates for drivers with a clean history.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$233

$19

Cincinnati Insurance

$271

$23

Cincinnati Insurance

$345

$29

Cincinnati Insurance

$348

$29

Nationwide

$360

$30

Nationwide

$366

$30

Cincinnati Insurance

$403

$34

Country Financial

$453

$38

Country Financial

$461

$38

Cincinnati Insurance

$479

$40

State Farm

$490

$41

State Farm

$490

$41

Nationwide

$492

$41

Country Financial

$503

$42

Allstate

$508

$42

Cincinnati Insurance

$511

$43

Auto-Owners Insurance Co

$513

$43

Nationwide

$513

$43

State Farm

$520

$43

State Farm

$520

$43

Country Financial

$521

$43

Auto-Owners Insurance Co

$524

$44

Allstate

$529

$44

GEICO

$530

$44

Nationwide

$538

$45

Allstate

$553

$46

Cincinnati Insurance

$558

$47

GEICO

$561

$47

State Farm

$564

$47

Travelers

$567

$47

Country Financial

$567

$47

Country Financial

$576

$48

Travelers

$593

$49

State Farm

$599

$50

Travelers

$600

$50

Allstate

$609

$51

Nationwide

$612

$51

Auto-Owners Insurance Co

$615

$51

Farmers

$625

$52

Travelers

$627

$52

Auto-Owners Insurance Co

$628

$52

Allstate

$631

$53

Allstate

$634

$53

State Farm

$635

$53

State Farm

$635

$53

Country Financial

$641

$53

GEICO

$648

$54

Travelers

$649

$54

Progressive

$657

$55

Allstate

$658

$55

Cincinnati Insurance

$660

$55

Nationwide

$667

$56

Travelers

$670

$56

Allstate

$671

$56

Country Financial

$679

$57

GEICO

$683

$57

Auto-Owners Insurance Co

$684

$57

Travelers

$689

$57

Progressive

$692

$58

Farmers

$694

$58

Allstate

$699

$58

Travelers

$701

$58

Nationwide

$701

$58

Cincinnati Insurance

$705

$59

Progressive

$710

$59

Farmers

$721

$60

State Farm

$730

$61

Farmers

$740

$62

GEICO

$744

$62

Farmers

$759

$63

Progressive

$766

$64

Nationwide

$768

$64

Travelers

$769

$64

Progressive

$791

$66

Country Financial

$802

$67

Farmers

$805

$67

GEICO

$813

$68

Cincinnati Insurance

$814

$68

Auto-Owners Insurance Co

$821

$68

Nationwide

$831

$69

Farmers

$835

$70

Farmers

$836

$70

Nationwide

$836

$70

Progressive

$842

$70

Farmers

$876

$73

Allstate

$877

$73

Progressive

$925

$77

Allstate

$942

$78

Allstate

$964

$80

Cincinnati Insurance

$968

$81

Progressive

$984

$82

Auto-Owners Insurance Co

$1,003

$84

State Farm

$1,005

$84

State Farm

$1,005

$84

Cincinnati Insurance

$1,009

$84

Auto-Owners Insurance Co

$1,024

$85

Nationwide

$1,026

$85

Nationwide

$1,043

$87

GEICO

$1,065

$89

Allstate

$1,074

$90

Progressive

$1,079

$90

Country Financial

$1,089

$91

State Farm

$1,091

$91

State Farm

$1,091

$91

GEICO

$1,107

$92

Allstate

$1,108

$92

GEICO

$1,122

$94

GEICO

$1,128

$94

Auto-Owners Insurance Co

$1,133

$94

Nationwide

$1,136

$95

State Farm

$1,143

$95

Country Financial

$1,147

$96

Allstate

$1,164

$97

Auto-Owners Insurance Co

$1,168

$97

GEICO

$1,178

$98

Allstate

$1,181

$98

Country Financial

$1,183

$99

Cincinnati Insurance

$1,185

$99

Country Financial

$1,195

$100

Allstate

$1,202

$100

Travelers

$1,210

$101

Allstate

$1,217

$101

Farmers

$1,237

$103

State Farm

$1,239

$103

Farmers

$1,240

$103

Travelers

$1,264

$105

Travelers

$1,289

$107

Country Financial

$1,291

$108

Nationwide

$1,302

$108

Travelers

$1,319

$110

Cincinnati Insurance

$1,326

$111

Auto-Owners Insurance Co

$1,338

$111

Auto-Owners Insurance Co

$1,339

$112

Farmers

$1,345

$112

Travelers

$1,353

$113

Farmers

$1,364

$114

Auto-Owners Insurance Co

$1,374

$115

Travelers

$1,380

$115

Country Financial

$1,392

$116

State Farm

$1,395

$116

State Farm

$1,395

$116

Nationwide

$1,395

$116

GEICO

$1,404

$117

Travelers

$1,406

$117

Farmers

$1,408

$117

Farmers

$1,426

$119

Farmers

$1,436

$120

GEICO

$1,449

$121

GEICO

$1,463

$122

Cincinnati Insurance

$1,465

$122

Nationwide

$1,488

$124

Travelers

$1,505

$125

Travelers

$1,530

$128

Farmers

$1,545

$129

Country Financial

$1,579

$132

Country Financial

$1,583

$132

State Farm

$1,586

$132

Farmers

$1,612

$134

Auto-Owners Insurance Co

$1,619

$135

Cincinnati Insurance

$1,628

$136

Progressive

$1,720

$143

GEICO

$1,726

$144

Nationwide

$1,768

$147

Progressive

$1,771

$148

Progressive

$1,817

$151

Progressive

$1,821

$152

Country Financial

$1,880

$157

Auto-Owners Insurance Co

$1,910

$159

Cincinnati Insurance

$2,012

$168

Auto-Owners Insurance Co

$2,113

$176

GEICO

$2,120

$177

Progressive

$2,132

$178

Auto-Owners Insurance Co

$2,153

$179

Progressive

$2,196

$183

GEICO

$2,216

$185

GEICO

$2,320

$193

Progressive

$2,411

$201

Progressive

$2,503

$209

Progressive

$2,900

$242

Auto-Owners Insurance Co

$3,009

$251

Typically, your car insurance rate will increase in proportion to the severity of the driving offense. For instance, drivers in Montgomery with a DUI pay an average of $401 more for car insurance than those with a clean driving history. To secure the cheapest car insurance with a bad driving record, compare rates from providers.

Cheapest Car Insurance in Montgomery for Teens and Their Families

These providers offer the lowest premiums in Montgomery for families with a 16-year-old teen driver on their car insurance plan:

  • Nationwide: $1,502 per year for female teens and $1,640 per year for male teens
  • Allstate: $1,816 per year for female teens and $1,916 per year for male teens

With average annual costs of $3,855 for female teens and $4,053 for male teens on a family policy, Auto-Owners Insurance Company is the most expensive insurer for teenagers in Montgomery. Male teens often pay higher premiums than female teens since the former are considered riskier to insure. This cost discrepancy tends to decrease in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$931

$1,840

Nationwide

$949

$1,964

Nationwide

$984

$2,440

Nationwide

$1,015

$2,666

Nationwide

$1,056

$2,086

Travelers

$1,057

$1,823

Nationwide

$1,064

$2,298

Nationwide

$1,094

$2,264

Nationwide

$1,100

$2,506

Nationwide

$1,104

$2,181

Travelers

$1,141

$1,904

Nationwide

$1,145

$2,370

Travelers

$1,191

$2,054

Travelers

$1,199

$2,274

Allstate

$1,203

$1,579

Travelers

$1,230

$2,122

Allstate

$1,250

$1,641

Allstate

$1,252

$1,587

Allstate

$1,257

$2,002

Travelers

$1,312

$2,189

Allstate

$1,322

$1,945

GEICO

$1,328

$2,332

GEICO

$1,328

$4,442

Allstate

$1,331

$4,273

Allstate

$1,334

$2,189

Allstate

$1,351

$1,774

Travelers

$1,352

$2,484

Nationwide

$1,353

$3,978

Allstate

$1,353

$1,715

GEICO

$1,354

$2,231

Travelers

$1,357

$2,604

GEICO

$1,367

$2,400

GEICO

$1,380

$2,275

Farmers

$1,380

$2,277

GEICO

$1,406

$2,611

Allstate

$1,411

$1,994

Travelers

$1,414

$2,359

Nationwide

$1,424

$5,232

GEICO

$1,443

$2,534

GEICO

$1,444

$2,598

Nationwide

$1,453

$4,687

Allstate

$1,463

$2,331

Allstate

$1,467

$1,859

GEICO

$1,467

$2,418

Farmers

$1,468

$2,513

Nationwide

$1,470

$3,647

Allstate

$1,476

$2,721

Nationwide

$1,502

$5,771

GEICO

$1,510

$2,919

Nationwide

$1,512

$5,555

Allstate

$1,521

$4,750

GEICO

$1,531

$2,898

Nationwide

$1,553

$6,119

Nationwide

$1,558

$4,091

Travelers

$1,576

$2,897

Travelers

$1,581

$2,904

Travelers

$1,589

$3,367

Allstate

$1,599

$2,948

GEICO

$1,618

$3,126

GEICO

$1,634

$3,428

Nationwide

$1,640

$6,766

Nationwide

$1,650

$6,504

Allstate

$1,667

$2,735

GEICO

$1,672

$6,488

State Farm

$1,682

$3,113

GEICO

$1,721

$3,603

GEICO

$1,727

$3,268

Allstate

$1,774

$5,698

GEICO

$1,775

$6,886

Travelers

$1,800

$4,199

Allstate

$1,816

$7,529

Travelers

$1,869

$3,436

State Farm

$1,870

$3,460

Travelers

$1,885

$4,059

Auto-Owners Insurance Co

$1,908

$3,851

Allstate

$1,916

$7,072

State Farm

$1,931

$3,500

Allstate

$1,962

$6,124

State Farm

$1,963

$4,185

Auto-Owners Insurance Co

$2,001

$4,029

State Farm

$2,038

$3,773

Auto-Owners Insurance Co

$2,071

$4,169

Farmers

$2,073

$2,002

State Farm

$2,090

$4,528

GEICO

$2,103

$7,031

Farmers

$2,112

$2,040

Farmers

$2,117

$2,044

Auto-Owners Insurance Co

$2,126

$4,292

Farmers

$2,137

$2,168

GEICO

$2,139

$11,526

Auto-Owners Insurance Co

$2,165

$4,803

Farmers

$2,167

$2,142

State Farm

$2,179

$3,949

Farmers

$2,201

$2,175

Auto-Owners Insurance Co

$2,202

$4,434

Travelers

$2,207

$5,139

Travelers

$2,221

$5,180

Auto-Owners Insurance Co

$2,224

$5,212

Farmers

$2,224

$4,523

Farmers

$2,234

$2,208

Farmers

$2,256

$2,394

Auto-Owners Insurance Co

$2,279

$4,601

GEICO

$2,292

$11,517

State Farm

$2,305

$4,915

Farmers

$2,318

$4,851

Travelers

$2,324

$6,880

Auto-Owners Insurance Co

$2,328

$5,925

Farmers

$2,344

$9,336

Auto-Owners Insurance Co

$2,391

$5,154

State Farm

$2,395

$5,848

State Farm

$2,395

$5,188

State Farm

$2,398

$4,346

Progressive

$2,406

$3,296

Progressive

$2,435

$3,452

Farmers

$2,478

$10,099

Progressive

$2,493

$4,462

Farmers

$2,549

$4,203

State Farm

$2,561

$5,451

Farmers

$2,585

$10,292

Auto-Owners Insurance Co

$2,637

$5,683

Progressive

$2,642

$3,618

Farmers

$2,653

$4,543

Auto-Owners Insurance Co

$2,655

$6,326

Auto-Owners Insurance Co

$2,713

$6,905

Progressive

$2,718

$4,117

Auto-Owners Insurance Co

$2,723

$7,966

State Farm

$2,740

$6,691

Progressive

$2,742

$3,887

Farmers

$2,748

$11,201

Farmers

$2,768

$13,446

Travelers

$2,775

$6,461

Progressive

$2,817

$3,858

Progressive

$2,900

$4,790

Travelers

$2,921

$8,805

Farmers

$2,943

$14,686

Progressive

$2,963

$5,494

State Farm

$3,000

$7,310

State Farm

$3,005

$6,397

Progressive

$3,046

$4,318

State Farm

$3,127

$7,637

State Farm

$3,142

$8,690

Progressive

$3,313

$14,968

Progressive

$3,360

$7,250

State Farm

$3,468

$8,355

Auto-Owners Insurance Co

$3,530

$7,086

Progressive

$3,538

$6,335

Auto-Owners Insurance Co

$3,547

$9,362

Progressive

$3,574

$16,290

Progressive

$3,679

$16,706

Progressive

$3,786

$8,337

Progressive

$3,805

$17,195

Auto-Owners Insurance Co

$3,855

$8,333

Auto-Owners Insurance Co

$3,883

$7,794

Progressive

$3,898

$7,227

Progressive

$3,911

$17,749

State Farm

$3,961

$9,540

State Farm

$3,980

$10,863

Auto-Owners Insurance Co

$4,052

$10,693

Auto-Owners Insurance Co

$4,053

$12,035

Progressive

$4,146

$18,824

To save money, teen drivers can be added to a family plan instead of purchasing an individual plan. In Montgomery, a 16-year-old male teen driver will pay about $5,869 yearly for an individual plan, $3,100 more than the cost of being added to a family plan. MoneyGeek determined the cheapest car insurance for teenagers to help you explore multiple options.

Cheapest Car Insurance in Montgomery for Military Drivers

The following insurers offer the cheapest full coverage policies to military drivers and their families in Montgomery:

  • USAA: $644 per year
  • Cincinnati Insurance: $682 per year

The same companies, Cincinnati Insurance and USAA, are also the cheapest for minimum coverage policies. Policies from Cincinnati Insurance cost about $226 per year, and USAA charges $278. We also found other cheap auto insurance providers for military members.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$199

$17

Cincinnati Insurance

$226

$19

USAA

$278

$23

USAA

$282

$23

Cincinnati Insurance

$291

$24

Nationwide

$302

$25

Nationwide

$309

$26

Country Financial

$331

$28

Country Financial

$336

$28

USAA

$379

$32

Nationwide

$422

$35

Travelers

$423

$35

State Farm

$441

$37

Auto-Owners Insurance Co

$446

$37

Travelers

$449

$37

GEICO

$455

$38

Auto-Owners Insurance Co

$455

$38

Allstate

$458

$38

Country Financial

$468

$39

State Farm

$468

$39

Travelers

$477

$40

Allstate

$479

$40

GEICO

$483

$40

Progressive

$484

$40

Allstate

$496

$41

Farmers

$507

$42

Progressive

$510

$43

Farmers

$527

$44

GEICO

$554

$46

Cincinnati Insurance

$558

$47

State Farm

$571

$48

Auto-Owners Insurance Co

$595

$50

Nationwide

$620

$52

Farmers

$623

$52

USAA

$637

$53

Progressive

$638

$53

USAA

$644

$54

Cincinnati Insurance

$682

$57

Nationwide

$685

$57

Allstate

$781

$65

Country Financial

$814

$68

Allstate

$833

$69

Cincinnati Insurance

$847

$71

Travelers

$851

$71

USAA

$856

$71

Travelers

$858

$71

Allstate

$859

$72

Country Financial

$887

$74

Nationwide

$903

$75

Farmers

$911

$76

State Farm

$913

$76

GEICO

$924

$77

GEICO

$948

$79

Farmers

$963

$80

State Farm

$993

$83

Auto-Owners Insurance Co

$999

$83

Travelers

$1,013

$84

Auto-Owners Insurance Co

$1,034

$86

Farmers

$1,162

$97

GEICO

$1,175

$98

Country Financial

$1,179

$98

State Farm

$1,268

$106

Progressive

$1,280

$107

Progressive

$1,355

$113

Auto-Owners Insurance Co

$1,429

$119

Progressive

$1,758

$147

How to Compare Cheap Montgomery Car Insurance Quotes Online

It can take up to 15 minutes to input the personal information required for a single quote. When comparing rates from multiple insurers, this time can add up. Luckily, MoneyGeek’s car insurance calculator can quickly estimate a quote using only your coverage level, vehicle information, driving history and age.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Alabama
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

USAA

Best Car Insurance in Montgomery: Summary

The best insurance provider for you will depend on how much you value customer service, affordability and coverage options. The following insurers are the best in Montgomery for these categories:

  • Best overall: Cincinnati Insurance (MoneyGeek score of 88 out of 100)
  • Best for service: Cincinnati Insurance (MoneyGeek score of 74 out of 100)
  • Best cheap: Cincinnati Insurance (MoneyGeek score of 89 out of 100)

An insurance provider’s overall MoneyGeek score may vary across categories based on how factors were weighted. Cincinnati Insurance also offers the best auto insurance in Alabama. A great option for current or former members of the military is USAA. It earned a high MoneyGeek score of 85 out of 100 for its military-specific policies.

Best Overall Car Insurance in Montgomery

Our top picks for the best overall insurers in Montgomery based on policy rates, customer satisfaction and claims management are:

  • Cincinnati Insurance: MoneyGeek score of 88 out of 100 ($682 per year)
  • Nationwide: MoneyGeek score of 73 out of 100 ($685 per year)

Of the 10 insurance companies we ranked in Montgomery, Cincinnati Insurance received the highest claims management and customer satisfaction ratings. USAA was the second best with a MoneyGeek score of 85 out of 100, scoring well on affordability and customer satisfaction. However, it only serves individuals with a military affiliation.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Has the cheapest rates

Has the highest scores for customer satisfaction and claims management

Offers glass deductible modification, general deductible waiver and gap insurance

cons

Does not offer accident forgiveness or deductible modification coverage

COMPANY HIGHLIGHTS

Cincinnati Insurance is highly rated due to its low-cost premiums and few customer complaints. The insurer tops our list due to its high scores in claims management and coverage availability. You can add glass deductible modification, general deductible waiver and gap insurance to your standard policy for an extra cost.

The glass deductible modification waiver coverage waives your policy’s deductible if your windows or windshield are damaged in a covered loss and need replacing. You can use our general deductible waiver to eliminate any applicable deductible if your car is totaled after a collision or non-collision incident. Cincinnati Insurance’s gap insurance pays the difference between your car’s value and the unpaid loan or lease balance after a covered loss. Like other insurers, the company offers optional roadside assistance.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Car Insurance in Montgomery for Customer Service

To rank the best companies in Montgomery for customer service, we didn’t take affordability into account. These are our top picks:

  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($682 per year)
  • Auto-Owners Insurance Company: MoneyGeek score of 66 out of 100 ($1,034 per year)

Out of the 10 providers in our analysis, Cincinnati Insurance has the second-highest rating for claims management and the highest rating for customer satisfaction. The insurer is also the cheapest, meaning, you won’t have to pay more for quality service.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

Receives fewer customer complaints

Has the second-highest rating for claims management

Provides child safety seat replacement, glass deductible modification, new car and rental car reimbursement

cons

Does not offer better car replacement, rideshare insurance or accident forgiveness

COMPANY HIGHLIGHTS

Of the insurers in our comparison group, Cincinnati Insurance has the highest customer satisfaction rating and the second-best claims management score. Aside from standard coverage options like roadside assistance and rental car and/or travel reimbursement, the insurer offers several unique coverages like child safety seat replacement and glass deductible modification coverage.

With the company’s child safety seat replacement insurance, you can be reimbursed for the cost of your child’s installed safety seat if it’s damaged in a covered loss. There’s also a possibility to waive your deductible for replacing glass parts after a covered loss with glass deductible modification coverage. This can come in handy, especially if you live in an area with gravel roads or where extreme weather events are common.

New car replacement coverage pays for the cost of a brand new car of the same make and model if your vehicle is inoperable due to a covered collision or a non-collision occurrence, excluding vandalism, theft and fires. The insurer also offers rental car and/or travel reimbursement coverage, which pays for rental car or transportation expenses of $50 per day up to a maximum of $1,500.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Best Cheap Car Insurance in Montgomery

MoneyGeek’s comparison of auto insurance quotes for policies that meet Alabama’s minimum state requirements shows that the best providers for the cheapest coverage in Montgomery are:

  • Cincinnati Insurance: MoneyGeek score of 89 out of 100 ($226 per year)
  • Country Financial: MoneyGeek score of 66 out of 100 ($336 per year)

Cincinnati Insurance offers the cheapest rates and ranks well for customer satisfaction and coverage availability. A minimum coverage policy may be the cheapest, but it offers the least amount of liability protection and only covers damages to your own vehicle.

How was this MoneyGeek score calculated?

Cincinnati Insurance

pros

An affordable minimum coverage policy costs an average of $226 per year.

Offers multiple-car, bundling and safe driving discounts

Has the highest rating for customer satisfaction

cons

Does not offer defensive driving, paperless, pay-in-full or driver’s education discounts

COMPANY HIGHLIGHTS

Cincinnati Insurance offers the most affordable rates for a minimum coverage policy in Montgomery. Prospective policyholders may be able to reduce the cost of their insurance even further through the company’s numerous discount opportunities.

The company offers four common discount options: bundling, multiple-car, good student and safe driving. You can save money by purchasing multiple types of insurance policies (home, life, renters, etc.). Furthermore, you can also receive a discount for insuring multiple cars, safe driving or being a good student. The good student discount applies to drivers who earn a 3.0 GPA or maintain a B average. Unlike most insurers, Cincinnati Insurance also offers unique discounts, including one if you have anti-lock brakes or an airbag installed in your car.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

Average Cost of Car Insurance in Montgomery

The average auto insurance rate in Alabama is $910 per year. This is $8 more than the average cost of car insurance in Montgomery — $918 per year. Comparing the city’s yearly rate to the average cost of car insurance nationwide, we discovered that the city’s average is about $347 lower as of October 2022.

Note that your rate may vary based on your location. These rates are for a full coverage policy with $100,000 in bodily injury liability protection per person, $300,000 in bodily injury liability protection per accident and $100,000 in property damage protection.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.