A full coverage car insurance policy in Montgomery, Alabama costs an average of $1,751 per year, just a few dollars higher than the Alabama state average of $1,728 per year. But averages don’t tell the whole story — car insurance rates can vary widely from driver to driver and company to company.
The best way to ensure you’re getting the most affordable coverage out there is the compare quotes before you buy. policycentral can help you see what you’ll pay with different top car insurance companies, so you can choose the coverage that’s right for you.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Montgomery, AL
What you pay for your car insurance depends on where you live, your age, your driving history, your car, and even your credit score. But car insurance companies all have slightly different methods for coming up with your rate, so you may get two rates from two companies for the same amount of coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $991 | 890 |
Nationwide | $1,225 | 868 |
Travelers | $1,233 | 854 |
Cincinnati Insurance | $1,240 | -- |
GEICO | $1,336 | 874 |
Cheapest car insurance rates by ZIP code in Montgomery, AL
Your ZIP code is used to assess the risks in your specific neighborhood. Whether there’s on-street parking, reports of theft and vandalism, and the number of accidents and traffic tickets issued in your ZIP code can all affect your car insurance rates.
ZIP code | Average cost |
|---|---|
36113 | $1,708 |
36110 | $1,712 |
36106 | $1,735 |
36119 | $1,735 |
36104 | $1,736 |
36108 | $1,746 |
36117 | $1,752 |
36115 | $1,752 |
36107 | $1,754 |
36109 | $1,763 |
Choosing the right car insurance company in Montgomery, AL
Finding the right car insurance company for your needs may seem overwhelming, but it all comes down to a few factors:
Price: Getting quotes from multiple car insurance companies is the best way to get the lowest rate on your policy.
Coverage: Higher limits means more projection, so figure out how much coverage you can afford while still staying in budget.
Customer service: Take time to look up reviews of companies, including customer service and claims satisfaction ratings.
policycentral makes it easy to compare options and find the right coverage at the right rates.
Car insurance rates for drivers with driving violations in Montgomery, AL
A bad driving record will have a big impact on how much you pay for your car insurance, and the more serious the infraction, the more you’ll pay for coverage. Avoid driving violations of any kind and you’ll pay less for car insurance.
Violation | USAA | Nationwide | Travelers | Cincinnati Insurance | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,533 | $2,186 | $1,765 | $2,217 | $2,236 |
DUI | $2,226 | $2,748 | $1,931 | $3,002 | $2,879 |
Suspended license | $2,107 | $2,748 | $1,931 | $3,002 | $2,879 |
Open container | $1,606 | $2,748 | $1,672 | $2,469 | $2,879 |
Expired registration | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
Driving without lights | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
Running a red light | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
Following too closely | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
Hit and run | $2,344 | $2,748 | $1,931 | $3,002 | $2,879 |
Not-at-fault accident | $1,070 | $1,293 | $1,324 | $1,446 | $1,302 |
Passing a school bus | $1,606 | $1,642 | $1,931 | $1,562 | $1,591 |
Reckless driving | $1,606 | $2,748 | $1,931 | $2,469 | $2,879 |
Speeding | $1,230 | $1,642 | $1,697 | $1,562 | $2,879 |
Cheapest car insurance for drivers with a DUI in Montgomery, AL
Company | Rates for drivers with DUIs |
|---|---|
Travelers | $1,931 |
USAA | $2,226 |
Nationwide | $2,748 |
GEICO | $2,879 |
Cincinnati Insurance | $3,002 |
Cheapest car insurance for drivers with a speeding ticket in Montgomery, AL
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $1,230 |
Cincinnati Insurance | $1,562 |
Nationwide | $1,642 |
Travelers | $1,697 |
GEICO | $2,879 |
Cheapest car insurance for drivers with bad credit in Montgomery, AL
A bad credit history can mean you’ll pay more for car insurance, which is why it’s so important for drivers with poor credit to shop around and compare quotes. The table below lists the five cheapest car insurance companies in Montgomery for drivers with bad credit.
Company | Rates for drivers with bad credit |
|---|---|
Safeway Insurance | $1,635 |
USAA | $1,811 |
GEICO | $1,999 |
Cincinnati Insurance | $2,073 |
Nationwide | $2,097 |
Buying car insurance in Montgomery, AL
All drivers are required to have car insurance in Alabama. The minimum coverage the state requires is:
$25,000 for property damage liability per accident
$25,000 for bodily injury per person/$50,000 per accident
This insurance is required no matter how much you drive your car. Even if you take it off the road temporarily, Alabama requires car insurance as long as your car is registered.
How to get cheap car insurance in Montgomery, AL
Car insurance can be expensive, so make sure you’re taking every opportunity to save on coverage.
Drive safely: Do your best to avoid accidents and speeding tickets and you’ll earn discounts for being a safe driver
Compare quotes: Get multiple quotes before you buy so you can be sure you’re getting a good rate
See what discounts are available: Members of the military, low mileage drivers, good students, and a range of professional groups may receive reduced rates with certain carriers
Bundle policies: If you have a home, condo, or boat insurance policy, bundling it with your car insurance from the same insurer could save you a lot of money
Frequently asked questions
How can I save money on my car insurance in Montgomery?
The best way to save money on your car insurance is to keep a clean driving record, maintain good credit, and shop around for a policy. You should also reshop every year or so to make sure you’re not missing out on better rates.
Is Alabama no-fault state?
Alabama is not a no-fault state. In the event of an accident, the insurance of the driver determined to be at-fault for the accident will pay for the other driver’s medical bills and repair costs.
Does Alabama require car insurance?
Yes, you must have car insurance in order to register a vehicle in Alabama. The minimum amounts that the state requires are $25,000 for property damage liability per accident, $25,000 for bodily injury liability per person, and $50,000 bodily injury liability per accident.
How much is car insurance per month in Alabama?
Drivers in Alabama pay an average of $1,728 per year for car insurance, which breaks down to $144 per month.
