Montgomery, AL Car Insurance

How much does car insurance cost in Montgomery?


The typical Montgomery driver pays $1,488 per year for car insurance. That's more than the average across Alabama ($1,450) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Montgomery.


MONTGOMERY AUTO INSURANCE PREMIUMS
Montgomery Average (annual)Alabama AverageNational Average
$1,488$1,450$1,548

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Montgomery auto insurance rates by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your 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 driving profile.


MONTGOMERY CAR INSURANCE PREMIUMS BY COMPANY
CompanyAverage Rate (annual)
USAA$963
GEICO$1,029
Allstate$1,503
Safeway$1,578
Progressive$1,652

Consult our expert guide to finding the best cheap car insurance.



Montgomery car insurance premiums by age

Montgomery drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,332per year, on average. Those in their age_60s don't pay much more ($1,357).

Teen 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 groupAverage Yearly Rate
Teenagers$6,153
20s$2,127
30s$1,465
40s$1,420
50s$1,332
60s$1,357
70s$1,618

Learn more about the impact of age on car insurance premiums.



Montgomery car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Montgomery pay $112 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Montgomery, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Montgomery, the gap in car insurance costs between genders is $6 per year, with male drivers paying more than female drivers.


MONTGOMERY CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,482
Male$1,488
Single$1,376
Married$1,376
Divorced$1,488
Widowed$1,450

Learn more about the impact gender and marital status have on insurance rates.



Montgomery car insurance costs by citation and accident history


If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, 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 CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DUI/DWI$2,440
Reckless Driving$2,396
At-fault Accident (damages less than $1,000)$2,001
At-fault Accident (damages greater than $2,000)$2,148
Speeding Ticket (16-20 mph over speed limit)$1,726

Get more info on how a bad driving history can impact your car insurance costs.



Montgomery car insurance rates by credit tier


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, 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 $1,421 in savings on insurance each year.


MONTGOMERY AUTO INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage Annual Rate
Very Poor$3,263
Fair$1,842
Good$1,488
Very Good$1,336
Exceptional$1,187

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.