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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does car insurance cost in Montgomery?

The typical Montgomery driver pays $744 for six months of car insurance. That's more than the average across Alabama ($725) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Montgomery. Read on to learn more!

Car insurance in Montgomery vs. Alabama Average 6 Mo. Premium
Montgomery average $744
Alabama average $725

The Zebra's key takeaways about car insurance in Montgomery:

  • The average cost of a car insurance policy in Montgomery is $744 per six-month policy — $124 per month.
  • The cheapest company in Montgomery is USAA ($481).
  • 32% of Zebra customers in Montgomery stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Montgomery car insurance rates by company

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your auto insurer carefully. For a typical driver, USAA offers Montgomery's cheapest rates. See below the best companies for cheap auto insurance in Montgomery — but don't forget to get personalized car insurance quotes to match your unique driving profile.

Cheapest car insurance companies in Montgomery, AL
Company Avg. 6 Mo. Premium
USAA $481
GEICO $514
Allstate $751
Safeway $789
Progressive $826

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Montgomery.

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Montgomery auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 27% of Montgomery drivers. Montgomery drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $666 per six-month policy, on average. Those in their 60s don't pay much more ($678).

Teenage drivers pay Montgomery's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Montgomery is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Montgomery is $4,026. That's the biggest gap in premiums between any pair of age brackets.

Montgomery auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,076
20s $1,063
30s $732
40s $710
50s $666
60s $678
70s $809

Montgomery car insurance rates by credit score

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than drivers with good credit. Montgomery drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 64% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Montgomery, moving into the "Fair" credit tier corresponds to an average of $710 in savings on insurance every six months. Our data tells us 42% of drivers in Montgomery have a credit score of average (580-679). 

credit score
Montgomery auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,631
Fair $921
Good $744
Very Good $668
Exceptional $593

Montgomery car insurance rates by violation

If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Montgomery, a reckless driving citation results in an average insurance rate increase of $908 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $951 increase, and a speeding ticket triggers a $238 rate hike.

Montgomery auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,220
Reckless Driving $1,198
At-fault Accident (damages less than $1,000) $1,000
At-fault Accident (damages greater than $2,000) $1,074
Speeding Ticket (16-20 mph over speed limit) $863

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.