Montgomery, AL Car Insurance
- USAA offers the cheapest car insurance in Montgomery at $80/mo — which is 35% less than the average rate of $124/mo.
- Compare and save on car insurance in or near Montgomery, AL with The Zebra today.
Learn more about car insurance in Montgomery, AL below.
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?
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.
| 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.
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.
| 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).Â
| 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.
| 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 |
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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.