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Best Cheap Auto Insurance in Montgomery, AL (2021)

Things to Remember

  • The best cheap auto insurance in Montgomery, Alabama is from USAA.
  • Mild traffic congestion and auto theft statistics impact your Montgomery auto insurance rates.
  • Auto insurance costs in Montgomery are cheaper than in other major Alabama cities, like Birmingham and Mobile.

Montgomery, Alabama auto insurance is less expensive than other major cities, like Birmingham and Mobile. By comparing rates from reputable companies online and seeking out discounts, you can secure cheap auto insurance in Montgomery, AL.

Read through our guide to learn how to get affordable Montgomery, AL auto insurance quotes regardless of your age or driving record.

Table of Contents

Monthly Montgomery, AL Car Insurance Rates by ZIP Code

Find more info about the monthly Montgomery, AL car insurance rates by ZIP Code below:

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Montgomery, AL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Montgomery, Alabama against other top US metro areas’ auto insurance rates.

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When you’re ready to buy Montgomery, AL auto insurance, enter your ZIP code into our free quote tool above.

What is the cheapest auto insurance company in Montgomery, AL?

The cheapest Montgomery, AL auto insurance company is USAA. Rates from USAA average around $184 per month or $2,212 annually.

However, only active or retired military personnel and their families can use this company’s services. Nationwide offers competitive rates for non-military residents of Montgomery.

The cheapest Montgomery, AL auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Alabama auto insurance company rates?” We cover that as well.

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In the list below, compare the top insurance providers in Montgomery, AL, from cheapest to most expensive:

  • USAA – $2,212.78
  • Nationwide – $2,820.16
  • GEICO – $3,023.50
  • Allstate – $3,213.10
  • Travelers – $3,936.26
  • Farmers – $4,386.69
  • Progressive – $4,743.24
  • State Farm – $5,200.94
  • Liberty Mutual – $5,271.00

Because of the many different factors that affect auto insurance rates, your premiums from these companies will vary depending on your age, driving record, and the level of coverage you require.

Use these average rates as guidelines to help you estimate what your Montgomery, AL auto insurance quotes might be.

Montgomery, Alabama auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Montgomery, AL auto insurance rates. Find the cheapest Montgomery, AL auto insurance rates by coverage level below:

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Your credit score will play a major role in your Montgomery, AL auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Montgomery, AL auto insurance rates by credit score below.

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Your driving record will affect your Montgomery auto insurance rates. For example, a Montgomery, Alabama DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Montgomery, AL auto insurance rates by driving record.

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Factors affecting auto insurance rates in Montgomery, AL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Montgomery, Alabama auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Montgomery. Alabama does use gender, so check out the average monthly auto insurance rates by age and gender in Montgomery, AL.

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What auto insurance coverage is required in Montgomery, AL?

Folks who live in Montgomery, by law, must carry the Alabama legal auto insurance minimums. Getting caught driving without insurance in Alabama can result in some hefty fines.

Alabama state law required the following car insurance limits:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage.
  • $25,000 per accident in property damage liability coverage.

What is liability auto insurance coverage? It pays for damages to the other driver in an accident you caused.

Alabama is an at-fault state. If you’re liable for causing an accident, you and your insurance company are responsible for paying for any associated damages.

What affects auto insurance rates in Montgomery, AL?

Auto insurance costs in Montgomery are manageable thanks to very mild traffic congestion in your city that positively impacts the average insurance rates.

A traffic report from INRIX ranks Montgomery as the 205th most congested city in the country, with drivers only losing seven hours to traffic congestion each year.

The average commute time in Montgomery, as reported by City-Data, is only 19.3 minutes, shorter than the national average of 26 minutes.

Auto theft in your city also influences insurance costs. According to the Federal Bureau of Investigation (FBI), Montgomery experienced 844 vehicle theft incidents in 2017. That’s a rate of 423.9 thefts per 100,000 people.

While this number is not unusual for a city the size of Montgomery, it does not help your car insurance rates.

Montgomery, AL Auto Insurance: The Bottom Line

Montgomery, Alabama is a more affordable city for auto insurance than both Birmingham and Mobile. You can save even more on your overall costs by shopping around and comparing quotes from reputable providers in your city.

Compare Montgomery, AL auto insurance rates from companies near you for free by entering your ZIP code into our quote tool below.

References:

  1. https://inrix.com/scorecard-city/?city=Montgomery%2C%20AL&index=849
  2. http://www.city-data.com/city/Montgomery-Alabama.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/alabama.xls

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