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Best cheap car insurance in Montgomery for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Montgomery
To help you find the best car insurance companies in Alabama, Bankrate’s team analyzed average premium data from Quadrant Information Services. We looked at each provider’s affordability, J.D. Power customer satisfaction scores and AM Best financial strength ratings to create a Bankrate score, which is calculated on a five-point scale. The score could help you quickly compare providers as you begin searching for affordable car insurance.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Travelers made our list: In addition to a strong financial strength rating from AM Best of A++ (Superior), policyholders could save up to 30 percent with Travelers' telematics program, IntelliDrive. Although the carrier comes in well below the segment average in the Southeast region of J.D. Power's 2023 Auto Insurance Study, its NAIC complaint index indicates that customers file fewer complaints than expected about the carrier's auto insurance product based on its market share.
Why Travelers may be best for customizable coverage options: The carrier allows policyholders to customize their coverage, drawing from an impressive list of potential endorsements like gap insurance, new car replacement, roadside assistance and accident forgiveness.
| Bankrate Score | 4.2 |
| J.D. Power | 642/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: As a subsidiary of Berkshire Hathaway, Geico is the second-largest insurer of private passenger vehicles in the U.S. Geico offers standard coverage and optional services like roadside assistance. Montgomery drivers looking for a company with local agents will also be able to find Geico representatives in the city.
Why Geico may be best for discounts: In addition to low average rates in Montgomery, the company has no shortage of potential discounts, too, with savings opportunities for military members, good students and federal employees, to name a few.
| Bankrate Score | 4.4 |
| J.D. Power | 651/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Not available
Avg. full coverage premium
Full coverage
Not available
Why Nationwide made our list: Nationwide is known for its robust coverage options, but the carrier also has extensive discounts and two telematics programs. Montgomery drivers looking for 24/7 customer service will not find it with Nationwide, but the carrier's advanced digital tools may help make up for it.
Why Nationwide may be best for bundling: Nationwide is our 2024 Bankrate Award winner for Best Budget Home Insurance Company, so it may be a good option for Montgomery drivers looking to bundle their home and auto coverage. The carrier also offers multi-policy discounts for renters, boat and motorcycle insurance with advertised savings up to 20 percent.
| Bankrate Score | 4 |
| J.D. Power | 669/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: Beyond competitive average rates, USAA members enjoy numerous benefits, including discounts on rental cars and home security systems, shopping rewards and travel deals. With a long-standing reputation for stellar customer service, USAA caters to the needs of military personnel and their families. Through USAA's SafePilot program, policyholders could earn up to a 30 percent discount on premiums by maintaining safe driving habits.
Why USAA may be the best for military members and their families: This highly-rated insurer provides coverage exclusively for military members, veterans and their families. Military-focused discounts include savings for garaging a vehicle on base and savings for drivers whose parents carry a USAA insurance policy.
| Bankrate Score | 4.2 |
| J.D. Power | 759/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm is the largest insurer of personal vehicles in the U.S. It offers specialty coverage options such as rideshare coverage to allow policyholders to create an auto insurance policy tailored to their needs. Discounts such as the Drive Safe & Save program could offer savings up to 30 percent, and bundling your home and auto policies could save you up to 17 percent.
Why State Farm may be the best for customer service: State Farm scored above average for overall customer satisfaction in the Southeast region from J.D. Power, and for those who prefer an in-person experience, the company offers numerous exclusive local agents in the Montgomery area.
| Bankrate Score | 4.3 |
| J.D. Power | 673/1,000 |
| AM Best score | A++ |
Bankrate's trusted insurance industry expertise
Read our full methodologyWe understand that insurance can feel overwhelming at times, which is why Bankrate’s insurance editorial team strives to help. Our team includes licensed agents with real-world industry experience, and we use the most recent premium data from Quadrant Information Services to deliver accurate average rate data paired with other quality assessment metrics to give you a holistic view of Montgomery car insurance options.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Montgomery
Car insurance can be more expensive in cities than rural areas. Dense traffic leads to higher accident rates, and cities generally have a higher cost of living, leading to pricier repair costs. Fortunately, shopping around may help you find the coverage you need at an affordable price. Below are the cheapest car insurance companies in Montgomery based on average minimum coverage rates.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$384
|
$1,264
|
|
|
$358
|
$1,638
|
|
|
$406
|
$1,736
|
|
|
$662
|
$1,858
|
|
|
$519
|
$1,925
|
How much is car insurance in Montgomery, Alabama?
The average cost of car insurance in Alabama is $1,965 per year for full coverage and $477 per year for minimum coverage. To compare, average full coverage rates in Montgomery are 3 percent more than the state average at $2,025 per year, while minimum coverage rates are 10 percent more at $523 per year.
Montgomery rates for teens
Most insurance providers consider teenage drivers to be high-risk, so this demographic typically pays some of the highest average rates for coverage. As teenagers gain experience behind the wheel and get older, rates often begin to drop. Teens that are shopping for the cheapest car insurance might want to remain on their parents’ insurance policies for as long as possible.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$823
|
$616
|
|
|
$1,100
|
$829
|
|
|
$1,197
|
$707
|
|
|
$1,244
|
$972
|
|
|
$1,319
|
$1,148
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$2,670
|
$2,098
|
|
|
$3,653
|
$2,399
|
|
|
$3,914
|
$3,013
|
|
|
$4,063
|
$3,636
|
|
|
$4,128
|
$3,586
|
Montgomery rates for young drivers
When teenagers become young adults, they are considered youthful operators until they turn 25. While this demographic’s insurance rates are often lower than those for teens, young adults might want to search out discounts for young drivers in order to find the cheapest rates. Some of these discounts include driving training discounts and good student discounts.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$636
|
$402
|
|
|
$883
|
$640
|
|
|
$955
|
$654
|
|
|
$956
|
$597
|
|
|
Safeway
|
$1,143
|
$746
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$2,396
|
$1,535
|
|
|
$3,073
|
$1,962
|
|
|
$3,336
|
$2,462
|
|
|
$3,580
|
$2,796
|
|
|
$3,637
|
$2,497
|
Montgomery rates for adults
Adult drivers usually see steady insurance rate declines after the age of 25, as long as you maintain a clean driving record. Other factors that impact your rates include your credit history, vehicle type and ZIP code.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$370
|
$358
|
$350
|
|
|
$393
|
$384
|
$359
|
|
|
$476
|
$406
|
$409
|
|
|
$518
|
$482
|
$456
|
|
|
$553
|
$519
|
$545
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$1,479
|
$1,264
|
$1,244
|
|
|
$1,621
|
$1,638
|
$1,486
|
|
|
$1,699
|
$1,858
|
$1,609
|
|
|
$2,067
|
$1,736
|
$1,699
|
|
|
$2,098
|
$1,925
|
$1,973
|
Montgomery rates for senior drivers
Insurance premiums typically begin to creep up after a driver turns 70. Physical impairments can begin to impact your reaction time with age, but looking for discounts, maintaining a clean driving record and shopping around regularly may help seniors continue to find low rates.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$349
|
$402
|
|
|
$352
|
$443
|
|
|
$402
|
$471
|
|
|
$449
|
$517
|
|
|
$525
|
$558
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$349
|
$1,323
|
|
|
$352
|
$1,731
|
|
|
$638
|
$1,730
|
|
|
$402
|
$1,861
|
|
|
$525
|
$1,977
|
The cheapest car insurance in Montgomery by driving record
One of the biggest factors in determining your insurance premium is your driving record. Montgomery drivers with recent speeding tickets or accidents will usually pay more for car insurance than drivers with a clean driving history. However, all carriers assess incident risk differently, so shopping around may help you find more affordable rates even with a less-than-perfect driving history.
Car insurance with a speeding ticket in Montgomery
Alabama drivers with a speeding ticket will usually see elevated insurance premiums for three to five years after the incident. The average cost of full coverage car insurance with a single speeding ticket is 23 percent more than the cost of coverage for a driver with a clean record.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$448
|
$1,704
|
|
|
$471
|
$2,017
|
|
|
$497
|
$2,140
|
|
|
Safeway
|
$516
|
$2,204
|
|
$643
|
$2,377
|
Car insurance after an accident in Montgomery
Having an at-fault accident on your driving record in Montgomery yields average full coverage car insurance rates that are 49 percent more than rates for drivers with clean records. If you're concerned about the potential impact of a car accident on your premium, you could look for a carrier that offers accident forgiveness coverage. While specifics vary by company, this add-on generally prevents a rate increase following your first at-fault accident.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$467
|
$1,755
|
|
|
$644
|
$2,630
|
|
|
$663
|
$2,718
|
|
|
Safeway
|
$677
|
$2,666
|
|
$773
|
$2,701
|
Car insurance after a DUI in Montgomery
Alabama drivers who get DUIs are usually required to file an SR-22 to prove that they meet the state's minimum coverage requirements. A DUI is considered one of the most severe infractions, and not all carriers will extend coverage to drivers with DUIs.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$512
|
$1,889
|
|
|
Safeway
|
$743
|
$2,826
|
|
$812
|
$3,258
|
|
|
$844
|
$2,897
|
|
|
$913
|
$3,991
|
Minimum coverage requirements in Montgomery
Alabama drivers are only required by law to carry a minimum amount of liability insurance, but many insurance experts recommend purchasing higher coverage limits and additional coverage types. Since Montgomery is one of the most populated cities in Alabama, collision and comprehensive coverage could provide vital financial protection in the event of an accident or other source of damage.
According to Alabama car insurance laws, drivers must have the following minimum liability insurance:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 for property damage
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.