The best car insurance in Montgomery, AL

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 11, 2021

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A full coverage car insurance policy in Montgomery costs an average of $1,741 per year, just $14 higher than the Alabama state average of $1,726 per year. But averages don’t tell the whole story — car insurance rates can vary widely from driver to driver and company to company.

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The best way to ensure you’re getting the most affordable coverage out there is the compare quotes before you buy. Policygenius can help you see what you’ll pay with different top car insurance companies, so you can choose the coverage that’s right for you.

Key Takeaways

  • USAA has the lowest cost for a full coverage car insurance in Montgomery with an average of $991 per year

  • GEICO offers the most affordable coverage for Montgomery drivers with poor credit

  • Georgia requires minimum liability coverage of $25,000 for property damage, $25,000 bodily injury per person, and $50,000 bodily injury per accident

Cheapest car insurance companies in Montgomery, AL

What you pay for your car insurance depends on where you live, your age, your driving history, your car, and even your credit score. But car insurance companies all have slightly different methods for coming up with your rate, so you may get two rates from two companies for the same amount of coverage.

Company

Average cost

JD Power Rating

USAA

$991

890

GEICO

$1,072

871

Nationwide

$1,205

876

Cincinnati Insurance

$1,235

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COUNTRY Financial

$1,255

863

Cheapest car insurance rates by ZIP code in Montgomery, AL

Your ZIP code is used to assess the risks in your specific neighborhood. Whether there’s on-street parking, reports of theft and vandalism, and the number of accidents and traffic tickets issued in your ZIP code can all affect your car insurance rates.

ZIP code

Average cost

36104

$1,723

36105

$1,761

36106

$1,724

36107

$1,742

36108

$1,734

36109

$1,754

36110

$1,705

36111

$1,787

Choosing the right car insurance company in Montgomery, AL

Finding the right car insurance company for your needs may seem overwhelming, but it all comes down to a few factors:

  • Price: Getting quotes from multiple car insurance companies is the best way to get the lowest rate on your policy.

  • Coverage: Higher limits means more projection, so figure out how much coverage you can afford while still staying in budget.

  • Customer service: Take time to look up reviews of companies, including customer service and claims satisfaction ratings.

Policygenius makes it easy to compare options and find the right coverage at the right rates.

Car insurance rates for drivers with driving violations in Montgomery, AL

A bad driving record will have a big impact on how much you pay for your car insurance, and the more serious the infraction, the more you’ll pay for coverage. Avoid driving violations of any kind and you’ll pay less for car insurance.

Violation

USAA

GEICO

Nationwide

Cincinnati Insurance

COUNTRY Financial

At-fault Accident

$1,533

$1,823

$2,144

$2,213

$1,723

DUI

$2,226

$2,326

$2,693

$3,002

$2,149

Driving with a suspended license

$2,107

$2,326

$2,693

$3,002

$2,149

Driving with an open container

$1,606

$2,326

$2,693

$2,468

$1,697

Driving with expired registration

$1,230

$1,284

$1,612

$1,558

$1,697

Driving without Lights

$1,230

$1,284

$1,612

$1,558

$1,697

Failure to show documents

$1,230

$1,235

$1,612

$1,558

$1,697

Failure to stop at a red light

$1,230

$1,284

$1,612

$1,558

$1,697

Cheapest car insurance for drivers with bad credit in Montgomery, AL

A bad credit history can mean you’ll pay more for car insurance, which is why it’s so important for drivers with poor credit to shop around and compare quotes. The table below lists the five cheapest car insurance companies in Montgomery for drivers with bad credit.

Company

Rates for drivers with bad credit

GEICO

$1,609

Safeway Insurance

$1,704

USAA

$1,811

Nationwide

$2,002

COUNTRY Financial

$2,041

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Buying car insurance in Montgomery, AL

All drivers are required to have car insurance in Alabama. The minimum coverage the state requires is:

  • $25,000 for property damage liability per accident

  • $25,000 for bodily injury per person/$50,000 per accident

This insurance is required no matter how much you drive your car. Even if you take it off the road temporarily, Alabama requires car insurance as long as your car is registered.

How to get cheap car insurance in Montgomery, AL

Car insurance can be expensive, so make sure you’re taking every opportunity to save on coverage.

  • Drive safely: Do your best to avoid accidents and speeding tickets and you’ll earn discounts for being a safe driver

  • Compare quotes: Get multiple quotes before you buy so you can be sure you’re getting a good rate

  • See what discounts are available: Members of the military, low mileage drivers, good students, and a range of professional groups may receive reduced rates with certain carriers

  • Bundle policies: If you have a home, condo, or boat insurance policy, bundling it with your car insurance from the same insurer could save you a lot of money

Frequently asked questions

How can I save money on my car insurance in Montgomery?

The best way to save money on your car insurance is to keep a clean driving record, maintain good credit, and shop around for a policy. You should also reshop every year or so to make sure you’re not missing out on better rates.

Is Alabama no-fault state?

Alabama is not a no-fault state. In the event of an accident, the insurance of the driver determined to be at-fault for the accident will pay for the other driver’s medical bills and repair costs.

Does Alabama require car insurance?

Yes, you must have car insurance in order to register a vehicle in Alabama. The minimum amounts that the state requires are $25,000 for property damage liability per accident, $25,000 for bodily injury liability per person, and $50,000 bodily injury liability per accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.