Montgomery Car Insurance

The Zebra
May 30, 2018

Car Insurance in Montgomery

Montgomery has premiums that are relatively similar to Alabama's average, as they are within $58 of one another. Why don't we go over some tips on how to save on car insurance in Montgomery?

  • City Average: $1,416
  • State Average: $1,358
  • National Average: $1,427

Montgomery Car Insurance by Gender and Marital Status

Several driver characteristics, including gender and marital status, can influence car insurance premiums in Montgomery. $32 is the amount by which men's and women's car insurance premiums differ. Being single, as opposed to married, can cost you roughly $90 more per year. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper.

  • Female: $1,448
  • Male: $1,416
  • Single: $1,416
  • Married: $1,329
  • Divorced: $1,422
  • Widowed: $1,405

Montgomery Car Insurance by Credit Rating

For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are 63% less per year. In terms of percent change, the most significant benefit of better credit comes from boosting from Very Good (740-799) to Exceptional (800-850), by which drivers can save approximately 24% per year.

  • Very Poor: $3,096
  • Fair: $2,411
  • Good: $1,909
  • Very Good: $1,516
  • Exceptional: $1,151

Montgomery Car Insurance by Accident or Violation History

Do you realize how much an accident or violation on your driving record can cost you in terms of car insurance rates? A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Montgomery will cost you 68% more in car insurance premiums versus the city average of $1,416. Reckless driving will also push your premiums up, with average rates of $2,337! You can expect your annual car insurance payments to grow by $667 if you are found at-fault in an accident in Montgomery.

  • DUI: $2,385
  • Reckless Driving: $2,337
  • At-fault Accident (damages less than $1000): $2,083
  • At-fault Accident (damages greater than $2000): $2,083
  • Speeding Ticket (16-20 mph over speed limit): $1,711

Montgomery Car Insurance by Age

When Montgomery drivers reach their 20s, therefore moving out of the teenage age bracket, they can save 68%, the biggest gap between any age group. Turning 60 causes an increase in rates, but up until that age drivers can expect premium reductions when they transition between age groups. Among all age groups, drivers in their 50s have the smallest rates, with rates of $1,259. Those in their 60s ($1,277) have premiums that aren't much higher. Car insurance premiums are highest for teenage drivers, with payments that average $6,349 per year.

  • Teenagers: $6,349
  • 20s: $2,016
  • 30s: $1,398
  • 40s: $1,351
  • 50s: $1,259
  • 60s: $1,277
  • 70s: $1,533

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