Cheapest + BestCar InsuranceMontgomeryCheapest and Best Car Insurance Companies in Montgomery, AL
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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.
Cheapest + BestCar InsuranceMontgomeryCheapest and Best Car Insurance in Montgomery, AL
Cheapest Overall - Cincinnati Insurance
Cheapest Full Coverage - Cincinnati Insurance
Cheapest After Driving Offense - Cincinnati Insurance
Cheapest for Teens - Nationwide
Cheapest for Military - USAA
Best Overall - Cincinnati Insurance
Best for Customer Service - Cincinnati Insurance
Best Cheap - Cincinnati Insurance
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.
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.
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.
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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.
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.
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.
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.
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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?
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.
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?
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.
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?
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.
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
