Cheap Quotes for Montgomery, AL Car Insurance (2021)

Montgomery, Alabama car insurance rates average $322 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Montgomery, AL companies, you can find cheap Montgomery car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Montgomery, AL are $322/month
  • Average car insurance rates in Montgomery, AL after a DUI are $4,417/year
  • Montgomery has an average commute time of 19.9 minutes

How do the Montgomery, Alabama monthly average car insurance rates of $322/month compare to nearby cities like Tuscaloosa car insurance rates, Madison car insurance rates, and Huntsville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Montgomery, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Montgomery, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Montgomery, Alabama companies to find the most affordable Montgomery car insurance rates.

Enter your ZIP code above to find cheap Montgomery, AL car insurance quotes today.

What are the minimum Montgomery, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Montgomery, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Montgomery, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Montgomery, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Montgomery, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Montgomery, Alabama

ZIP Code Average Annual Rates
36043 $3,980
36064 $4,054
36104 $4,044
36105 $4,039
36106 $3,955
36107 $4,024
36108 $3,954
36109 $4,007
36110 $3,884
36111 $3,985
36112 $3,944
36113 $4,000
36114 $3,984
36115 $4,018
36116 $3,931
36117 $3,933
36119 $3,950

How do age, gender, and marital status affect Montgomery, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Montgomery, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Montgomery car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Montgomery, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,937 $1,849 $1,754 $1,789 $6,742 $7,254 $2,168 $2,213
Farmers $2,498 $2,481 $2,231 $2,374 $9,732 $10,017 $2,830 $2,932
GEICO $2,148 $2,138 $2,049 $2,134 $5,735 $5,604 $2,277 $2,104
Liberty Mutual $3,026 $3,267 $2,477 $2,774 $11,358 $12,635 $3,215 $3,414
Nationwide $1,830 $1,852 $1,666 $1,724 $4,886 $6,293 $2,035 $2,276
Progressive $2,531 $2,362 $2,085 $2,223 $10,697 $11,930 $2,962 $3,156
State Farm $3,142 $3,142 $2,858 $2,858 $9,746 $12,206 $3,556 $4,099
Travelers $1,559 $1,581 $1,471 $1,465 $8,634 $13,635 $1,473 $1,671
USAA $1,374 $1,395 $1,285 $1,261 $4,107 $4,553 $1,791 $1,935

How much do teen drivers pay for car insurance in Montgomery, AL?

Montgomery, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Montgomery car insurance rates from multiple Montgomery, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Montgomery, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,742 $7,254
Farmers $9,732 $10,017
GEICO $5,735 $5,604
Liberty Mutual $11,358 $12,635
Nationwide $4,886 $6,293
Progressive $10,697 $11,930
State Farm $9,746 $12,206
Travelers $8,634 $13,635
USAA $4,107 $4,553

How much do senior drivers pay for car insurance in Montgomery, AL?

With a little research, seniors can find affordable car insurance in Montgomery, Alabama. Here’s a look at how the top Montgomery car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Montgomery, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,754 $1,789
Farmers $2,231 $2,374
GEICO $2,049 $2,134
Liberty Mutual $2,477 $2,774
Nationwide $1,666 $1,724
Progressive $2,085 $2,223
State Farm $2,858 $2,858
Travelers $1,471 $1,465
USAA $1,285 $1,261

How does coverage level affect Montgomery, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Montgomery, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Montgomery, Alabama

Insurance Company Low Medium High
Allstate $3,095 $3,209 $3,335
Farmers $4,127 $4,326 $4,707
GEICO $2,770 $3,011 $3,290
Liberty Mutual $5,013 $5,245 $5,555
Nationwide $2,804 $2,797 $2,860
Progressive $4,230 $4,722 $5,278
State Farm $4,898 $5,197 $5,508
Travelers $3,731 $4,014 $4,064
USAA $2,131 $2,201 $2,307

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How does your driving record affect Montgomery, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Montgomery, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Montgomery, Alabama companies.

Annual Montgomery, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,736 $3,224 $3,807 $3,086
Farmers $3,692 $4,779 $4,662 $4,414
GEICO $2,031 $3,283 $4,077 $2,704
Liberty Mutual $4,133 $5,762 $5,621 $5,567
Nationwide $2,466 $2,466 $3,596 $2,754
Progressive $4,268 $5,397 $4,627 $4,681
State Farm $4,679 $5,839 $5,143 $5,143
Travelers $3,275 $3,435 $5,050 $3,985
USAA $1,701 $2,136 $3,173 $1,841

How does a DUI affect Montgomery, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Montgomery, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Montgomery, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,807
Farmers $4,662
GEICO $4,077
Liberty Mutual $5,621
Nationwide $3,596
Progressive $4,627
State Farm $5,143
Travelers $5,050
USAA $3,173

How does your credit history affect Montgomery, AL car insurance rates?

Take a look at the data here to see how your Montgomery, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Montgomery, Alabama

Insurance Company Poor Fair Good
Allstate $3,969 $3,120 $2,550
Farmers $4,915 $4,233 $4,012
GEICO $3,848 $2,742 $2,481
Liberty Mutual $7,532 $4,640 $3,641
Nationwide $3,402 $2,656 $2,403
Progressive $5,331 $4,596 $4,303
State Farm $8,444 $4,266 $2,893
Travelers $4,287 $3,724 $3,797
USAA $2,970 $1,938 $1,731

How does your commute affect Montgomery, AL car insurance rates?

Montgomery, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Montgomery if you’re financing.

Annual Car Insurance Rates by Commute Length in Montgomery, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,213 $3,213
Farmers $4,387 $4,387
GEICO $2,968 $3,079
Liberty Mutual $5,271 $5,271
Nationwide $2,820 $2,820
Progressive $4,743 $4,743
State Farm $5,072 $5,329
Travelers $3,936 $3,936
USAA $2,111 $2,314

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Who has the cheapest Montgomery, AL car insurance rates?

Here’s a breakdown of Montgomery, Alabama car insurance rates by company. You can see which company offers the cheapest Montgomery car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Montgomery, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

What are the top Montgomery, AL car insurance companies?

Which Montgomery, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Montgomery companies to find the one for you.

Average Annual Car Insurance Rates by Company in Montgomery, Alabama

Insurance Company Average Annual Rates
Allstate $3,213
Farmers $4,387
GEICO $3,024
Liberty Mutual $5,271
Nationwide $2,820
Progressive $4,743
State Farm $5,201
Travelers $3,936
USAA $2,213

What factors affect Montgomery, AL car insurance rates?

Why are Montgomery, Alabama car insurance rates different than rates in Tuscaloosa or Madison? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Montgomery, AL?

FBI statistics show that the Montgomery, Alabama car theft rate is 972 thefts each year. High theft rates can lead to higher than average Montgomery, AL car insurance rates.

How long is the average commute in Montgomery, AL?

More time spent behind the wheel can lead to higher Montgomery, Alabama car insurance rates. In Montgomery, AL, the average commute length is 19.9 minutes.

What is the traffic like in Montgomery, AL

Like commute length, time spent in traffic also increase risk of accidents. Montgomery, AL is listed as 413th in INRIX congested cities data.

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Car Insurance Quotes for Montgomery, AL

Shop for affordable Montgomery, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Montgomery, AL car insurance companies.

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