Compare Montgomery, AL Car Insurance Rates (2021)

Car insurance in Montgomery, AL averages $322 a month. Montgomery, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Montgomery car insurance rates, compare quotes from the top car insurance companies in Montgomery, AL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Montgomery, AL are $3,868/year
  • Average car insurance rates in Montgomery, AL after a DUI are $4,417/year
  • The cheapest ZIP code in Montgomery is 36110

If you need to buy Montgomery, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Montgomery, AL is right here.

You’ll find Montgomery car insurance rates, the cheapest Montgomery, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Montgomery, Alabama car insurance rates to Huntsville car insurance rates, Birmingham car insurance rates, and Hoover car insurance rates.

Ready to find affordable Montgomery, AL car insurance today? Enter your ZIP code for fast, free Montgomery car insurance quotes.

Cheapest Montgomery, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Montgomery, AL car insurance rates? Every Montgomery, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

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

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Minimum Car Insurance in Montgomery, AL

Every driver must carry the minimum car insurance in Montgomery, AL. Take a look at the Alabama car insurance requirements.

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

Cheapest Montgomery, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Montgomery, AL. Compare credit history car insurance rates in Montgomery from top companies for good, fair, and poor credit.

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

Cheapest Montgomery, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Montgomery, AL to rates for a clean record with top 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

Cheapest Montgomery, AL Car Insurance for Teen Drivers

Teen car insurance in Montgomery, AL can be expensive. Take a look at rates from the top car insurance companies in Montgomery for teenagers.

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

Cheapest Montgomery, AL Car Insurance for Seniors

Take a look at Montgomery, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Montgomery, AL Car Insurance Rates After a DUI

A DUI in Montgomery, AL increases car insurance rates. Compare Montgomery, Alabama DUI car insurance by company to find the cheapest option.

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

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Cheapest Montgomery, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Montgomery, AL by commute? Take a look at a comparison of the top companies by commute length.

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

Cheapest Montgomery, AL Car Insurance Rates by ZIP Code

Montgomery car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Montgomery, AL.

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

The Best Cheap Car Insurance Companies in Montgomery, AL

Take a look at a side-by-side comparison of the top car insurance companies in Montgomery, AL to find the best option for your needs.

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

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Category Winners: Cheapest Car Insurance in Montgomery, Alabama

Find the cheapest car insurance companies in Montgomery, AL for each category right here.

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

Cheapest Montgomery, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Montgomery car insurance rates. Find the cheapest Montgomery, AL car insurance rates by coverage level.

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

What affects car insurance rates in Montgomery, Alabama?

What factors can have an impact on Montgomery, AL car insurance? There are several reasons why Montgomery car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Montgomery, Alabama.

Car Theft in Montgomery

High levels of vehicle theft can make car insurance more expensive. Montgomery, AL car theft statistics from the FBI indicate 972 vehicle thefts a year.

Commute Time in Montgomery

The more time you spend in your car the higher the risk of an accident. The average commute length in Montgomery, AL is 19.9 minutes according to City-Data.

Traffic in Montgomery

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Montgomery, AL traffic data from INRIX ranks Montgomery as the 413th-most congested in the world.

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Compare Car Insurance Quotes in Montgomery, AL

Ready to find affordable Montgomery, Alabama car insurance today? Enter your ZIP code for fast, free Montgomery, AL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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