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Get Cheap Car Insurance in Montgomery, AL
We monitor insurance prices, helping the average driver in Montgomery save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Montgomery
The chart below shows the cheapest car insurance company in Montgomery for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Montgomery Insurer | Monthly Cost |
|---|---|
| Travelers | $73 |
| Gainsco | $77 |
| State Farm | $80 |
| Safe Auto | $81 |
Savings for Every Kind of Montgomery Driver
Based on our extensive insurance data, we know the average Montgomery driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $410 per year by choosing the right vehicle insurance company. Some Montgomery residents are paying out over $1,655 extra every year for auto insurance in Montgomery. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Montgomery, AL Savings / Yr. |
|---|---|
$410 |
|
$558 |
|
$522 |
|
$593 |
|
$1,287 |
|
$71 |
|
$350 |
Montgomery Car Insurance vs. Alabama
People living in Montgomery pay an average of 3.26% more than the typical driver in the state. The average driver in Montgomery can expect to pay about $1,092 per year, or $1,655 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Montgomery for most people.
Car Insurance Prices by Montgomery Neighborhood
Insurance Prices
Where is insurance cheapest within Montgomery?
The map shows insurance prices in and around Montgomery, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $489 per year within the city boundaries, with insurance premiums ranging from a high of $1,948 to a low of $1,459. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Montgomery.Pick the Best Car Insurance Company for You in Montgomery
The best car insurance provider for most drivers in Montgomery
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $410 over the average Montgomery car insurance company.
The best car insurance provider for Montgomery drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $558 over the competition.
The best car insurance company for Montgomery drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $522 better than other car insurance companies.
The best auto insurance for Montgomery drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $593 less each year.
The least expensive car insurance company for new and young drivers in Montgomery
In Montgomery, Travelers costs young drivers $1,287 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Montgomery
State Farm gave the largest car insurance discounts to married couples, averaging $71 saved each year compared to an average Montgomery couple's premiums.
The cheapest car insurance in Montgomery for drivers with bad credit
The best Montgomery car insurance company for customer service
Nationwide was the best company for customer service in Montgomery according to the NAIC.
Recent price drops
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The cheapest large national provider in Montgomery
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Montgomery driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Montgomery, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Montgomery
What Influences the Cost of Car Insurance in Montgomery?
On average, car insurance in Montgomery is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Montgomery are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Montgomery is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Montgomery is $91 per month for minimum coverage and $138 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Pine Level: Insurance costs 9.06% less
- Perrys Mill: Insurance costs 6.71% less
- Snowdoun: Insurance costs 6.28% less
- Pike Road: Insurance costs 6.16% less
- Merry: Insurance costs 7.73% less
- Mount Meigs: Insurance costs 7.37% less
- Hunter: Insurance costs 6.10% less
- Redland: Insurance costs 8.58% less
- Brassell: Insurance costs 7.55% less
- Ware: Insurance costs 8.88% less
Cities with Similar Populations
- Canton: Insurance costs 87.19% more
- Albany: Insurance costs 6.40% more
- Bellingham: Insurance costs 15.47% less
- Alafaya: Insurance costs 65.86% more
- Alameda: Insurance costs 32.02% more
- Asheville: Insurance costs 26.77% less
- Augusta: Insurance costs 1.75% less
- Baton Rouge: Insurance costs 101.15% more
- Ashburn: Insurance costs 22.42% less
- Battle Creek: Insurance costs 74.26% more