Cheap Auto Insurance Quotes in Montgomery, AL (2023)

Many who drive the streets of Montgomery would never know it’s the capital city of Alabama, as the area is home to only about 200,000 people. A popular destination in the South, Montgomery features a wide range of attractions within its bustling downtown area. Traffic can be difficult in some parts of the city; however, the area contains several major highways and is laid out in such a way that places are easy to get to. Drivers in Montgomery are encouraged to evaluate their auto insurance policy regularly because even though driving here isn’t terribly stressful, it’s always smart to make sure you have the best coverage for your needs.

Car Insurance in Montgomery, AL

The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Montgomery, AL to find you the cheapest quotes in the area.

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• Cheap Car Insurance Alabama

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Cheapest Car Insurance in Montgomery, AL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Montgomery, AL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Montgomery. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Alabama

All motor vehicles operated or parked on Alabama roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Alabama^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Alabama is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $50,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Montgomery Car Insurance Rates by Driver Age

At $389, quite a few teens will be able to afford car insurance payments with or without help from their parents. Alabamians can expect the premiums to go down as they increase the number of years behind the wheel. That’s why young adults see a $100 cut over the youngest drivers with just a few more years of experience. From there, prices progress down, and everyone over 30 pays less than the state average of $208. Those in their 60s did the best, with a price that’s less than half of what the teens pay.

Montgomery Car Insurance Rates by Driving and Accident History

In the Heart of Dixie, driving safe means winning on and off the road. Defensive driving gives drivers peace of mind as they navigate the streets, and off the road, they qualify for the “good driver” and “accident-free” discounts from insurance companies. But running a stop sign or red light could cause the rate to spike by over $90 per month. And an at-fault accident makes the bill $70 more per month. The good news is people get to reset their driving record after three years of careful driving.

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• High-risk Car Insurance Alabama

• DUI Car Insurance Alabama

Montgomery Car Insurance Rates by Credit Tier

Montgomery residents are scratching their heads trying to figure out what their Visa has to do with their ability to drive. But Alabama, like most states, allows insurance companies to use credit as a factor when setting rates. Generally, people with the worst credit pay the most for car insurance. So why do people with poor credit pay less than those with average or good credit? Those with better credit may finance costlier cars and need more coverage to protect their assets. Either way, moving from average credit to excellent credit offers a savings of over $35 per month.

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Montgomery, AL DMV Information

Drivers who need to renew their license or registration will find that accessing DMV services in Montgomery is fairly easy. The city has several offices available, with each one focusing on a different set of services. Most offices are open Monday through Friday from 8:30 a.m. to 4:30 p.m., making it somewhat difficult for people who work full-time, who would need to take time off of work just to complete their tasks.

Public Transportation in Montgomery, AL

Any history buff will know that Montgomery has a robust bus system as it’s the one where Rosa Parks began her boycott. Today’s routes travel around the downtown area and also serve some of the outlying communities. Those without a vehicle can also utilize a trolley that runs downtown Monday through Saturday from 9 a.m. to 4 p.m. Uber and Lyft are popular options as well, but Montgomery has yet to see alternative means of transportation like the scooters that have become popular in other parts of the nation.

For more detailed Alabama city level guides, check out these below.

• Average Cost of Car Insurance Rates in Alabama

• DUI Car Insurance Rates in Alabama

• High-Risk Driver Car Insurance Rates in Alabama

• Alabama Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Alabama

• SR-22 Insurance in Alabama

How to get the best and cheapest car insurance in Montgomery, AL

Driving in Montgomery is a nice mixture of big-city freeways and the feeling of a much smaller town. Most residents find that they can reach their destinations with ease, and as long as you’re familiar with your route and give yourself plenty of time on the road, you shouldn’t run into many problems navigating the city.

While you may be perfectly happy with your current auto insurance, it doesn’t hurt to see if there’s a better option out there. Visit Insurify today to compare quotes, discover discounts that you’re eligible for, and enroll in the car insurance option that’s best for you. Most people find that they save more money than they thought possible through Insurify.

FAQs - Montgomery, AL Car Insurance