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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 Average||National Average|
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 driving profile.
MONTGOMERY CAR INSURANCE PREMIUMS BY COMPANY
|Company||Average Rate (annual)|
Montgomery drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,332 per year, on average. Those in their 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 group||Average Yearly Rate|
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 cheaper than the premiums paid by single drivers.
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 Status||Average Yearly Rate|
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/Incident||Average Annual Rate|
|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|
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 Level||Average Annual Rate|
Check out our car insurance guides to other populous AL cities:
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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 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.