Cheapest car insurance in Montgomery, Alabama (Nov 2024)

Written by Maria Cruz and 2 others
Dec 5, 2024
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Cheapest car insurance in Montgomery, Alabama (Nov 2024)

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Best car insurance companies in Montgomery

There’s no “one-size-fits-all” policy when it comes to the best car insurance coverage—and there’s no “one-price-fits-all” either! Comparing car insurance quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.

Besides price, you also need to consider factors such as claims handling and customer service.

To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.

The results: While big-name carriers like GEICO and State Farm in Montgomery, AL got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.

The table below shows how drivers in Montgomery rate different companies on a scale of 0 to 5, and their average annual costs for both full and state minimum coverage.

Insurance CompanyOverall Jerry ratingAverage annual cost for full coverageAverage annual cost for minimum coverage
Progressive4.5$1,571$542
Safeco4.5$1,566$753
National General3.5$1,100$570
GEICO3.8$1,109$387
State Farm4.5$1,245$422

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How to find the cheapest car insurance in Montgomery

On average, auto insurance in Montgomery costs about $88 per month for minimum coverage liability insurance, and about $114 per month for full coverage insurance. In Montgomery drivers pay 9% more than the national average.

Smart car insurance shoppers in Montgomery, Alabama come to Jerry every month, because Jerry makes it easy for customers to compare and buy car insurance quotes. Below are some cheapest car insurance quotes Jerry found for our Montgomery customers.

Liability Limits
Has Full Coverage
Age
Zip Code
Insurance Company
Premium (monthly)
Car
State Minimum Yes 23 36116 Bristol West $389 Toyota Camry Se
State Minimum No 28 36116 Trexis $93 Lexus Is 250
State Minimum Yes 26 36116 Bristol West $295 Ford Fusion S
State Minimum Yes 68 36107 Progressive $227 Buick Encore
State Minimum No 48 36104 First Acceptance $77 Hyundai Santa Fe Sport
Last Updated Nov, 2024
Please select columns to view data.

Best cheap car insurance quotes in Montgomery

Alabama has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Montgomery and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.

Cheap minimum liability insurance quotes in Montgomery

In Alabama, every liability car insurance policy must meet the minimum requirements for coverage.

Your insurance provider must insure you for at least $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability coverage per accident.

No auto insurance company in Alabama will sell you a policy with lower coverage limits than that. It’s often referred to as the “25/50/25 rule”.

Do you need more than minimum coverage in Montgomery?

Most drivers in Montgomery need higher liability coverage than the 25/50/25 state minimum mandated by Alabama car insurance laws.

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over these minimum limits—especially if there are serious injuries. Additionally, if someone else’s car is totaled and you’re liable, the cost to replace it could quite possibly be more than $40,000—which is well beyond that $25,000 minimum.

For better financial protection: Consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Montgomery

Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.

Full coverage includes comprehensive and collision coverage:

  • Collision coverage covers the cost of fixing or replacing your car after an accident.
  • Comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.

Keep in mind: If you have a loan on the car, your lender will typically require collision and comprehensive coverage.

On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.

Take a look at these recent examples of cheapest Montgomery full coverage quotes that Jerry’s agents helped our customers obtain.

Liability Limits
Has Full Coverage
Insurance Company
Premium (monthly)
Customer
Car
State Minimum Yes Bristol West $389 Ruby, 23, Montgomery, AL Toyota Camry Se
State Minimum Yes Bristol West $295 Mathilda, 26, Montgomery, AL Ford Fusion S
State Minimum Yes Progressive $227 Bertie, 68, Montgomery, AL Buick Encore
100/300 Yes Progressive $95 Katie, 57, Montgomery, AL Kia Sorento Ex
State Minimum Yes Mendota $203 Ethan, 52, Montgomery, TX Ford Mustang
Last Updated Nov, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Montgomery

By helping lots of drivers in Montgomery find car insurance, we found that the average cost for minimum liability coverage is $88 per month or $1,056 per year. The average cost for full coverage insurance in Montgomery is $114 per month or $1,364 per year.

While average insurance rates can help you predict your own insurance costs, it’s important to note that each driver’s insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.

Car insurance quotes in Montgomery by rating factors

Insurance companies in Montgomery use many rating factors when deciding your auto insurance premium:

  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
  • The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

Cheap car insurance quotes in Montgomery after driving violations

Your Alabama driving history impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate.

Some common violations that could increase your insurance rates include:

  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance in Montgomery after speeding ticket

In Montgomery, a speeding ticket could increase your car insurance. Jerry is proud to help drivers with varying speeding tickets save on car insurance.

Speeding Type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
Speeding 16-20 National General $82 29 36107 Dodge Charger Sxt State Minimum No
Speeding Violation-Major National General $68 23 36109 Chevrolet Camaro Ss State Minimum No
Speeding Violation-Major National General $200 35 36107 Hyundai Tucson Se State Minimum Yes
Speeding 16-20 National General $255 45 36106 Toyota Avalon Base State Minimum Yes
Speeding Violation-Minor Trexis $353 24 36117 Kia Optima Ex State Minimum Yes
Last Updated Nov, 2024

Cheapest car insurance in Montgomery after DUI

In Montgomery, a DUI violation can increase your insurance rate.

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.

Jerry has helped many Montgomery drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance in Montgomery after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. For Montgomery drivers, car accidents could result in an average rate increase of.

Alabama is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Montgomery drivers save on car insurance after accidents.

Accident Type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
Not At Fault Bristol West $389 23 36116 Toyota Camry Se State Minimum Yes
Not At Fault Trexis $93 28 36116 Lexus Is 250 State Minimum No
At Fault With No Injury Bristol West $295 26 36116 Ford Fusion S State Minimum Yes
At Fault With No Injury Progressive $227 68 36107 Buick Encore State Minimum Yes
Not At Fault First Acceptance $84 51 36116 Volkswagen Passat R-Line State Minimum No
Last Updated Nov, 2024

Cheapest car insurance in Montgomery after other driving violations

In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase in Montgomery.

We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.

Violation
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Liability Limits
Has Full Coverage
Failure to show documents First Acceptance $85 26 36106 Audi A4 S-Line 2.0T Quattro Turbo State Minimum No
Other Minor Trexis $243 29 36117 Hyundai Elantra Gls State Minimum Yes
Other Minor Trexis $164 27 36105 Toyota Camry Le State Minimum Yes
Driving on Sus. License The General $547 30 36117 Hyundai Sonata Se State Minimum Yes
Driving on Sus. License Dairyland $226 28 36110 Ford Fusion Se State Minimum No
Last Updated Nov, 2024

Cheap car insurance quotes in Montgomery by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.

Cheapest car insurance in Montgomery for young drivers

Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Montgomery. For teen car owners who drive newer cars, full coverage would afford better financial protection, as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.

Cheapest car insurance in Montgomery for senior drivers

Car insurance rates start to rise once you get into your mid-70s. Car insurance rates for seniors tend to be higher due to several reasons. Older drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.

Cheap car insurance quotes in Montgomery based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates.

To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.

We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.

Cheap car insurance quotes in Montgomery for drivers with poor credit

A high credit score tells car insurance companies you have a history of paying your bills. And because insurance providers are allergic to risk, they’re usually happy to throw lower rates your way.

However, you’re not out of luck with a low credit score. To help you deal with the higher rates that drivers with poor credit typically find, Jerry partners with numerous companies who work with Alabama drivers with a credit score of 550 or less.

Take a look at the table below to see how drivers with low credit saved with Jerry.

Credit Range
Insurance Company
Premium (monthly)
Customer
Car
Liability Limits
Has Full Coverage
550-659 Trexis $93 Theresa, 28, Montgomery, AL Lexus Is 250 State Minimum No
550-659 Bristol West $295 Mathilda, 26, Montgomery, AL Ford Fusion S State Minimum Yes
550-659 Progressive $227 Bertie, 68, Montgomery, AL Buick Encore State Minimum Yes
<550 First Acceptance $77 Lula, 48, Montgomery, AL Hyundai Santa Fe Sport State Minimum No
550-659 First Acceptance $84 Lula, 51, Montgomery, AL Volkswagen Passat R-Line State Minimum No
Last Updated Nov, 2024

Cheap car insurance quotes in Montgomery for popular cars

The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.

Popular car models in Montgomery include:


Learn more: How to get car insurance before buying a car


Popular Car
Insurance Company
Premium (monthly)
Age
Zip Code
Liability Limits
Has Full Coverage
Honda Civic Ex Bristol West $267 32 07114 25/50 No
Toyota Camry Le Bristol West $511 35 07106 25/50 No
Honda Civic Lx Progressive $369 51 07104 25/50 Yes
Toyota Camry Ce Bristol West $532 45 07112 25/50 No
Honda Civic Ex Bristol West $332 28 07106 25/50 No
Last Updated Nov, 2024

How to lower car insurance costs in Montgomery

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

  • Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.


Learn more: 11 Ways to lower car insurance


FAQ

  • How much is car insurance in Montgomery?
  • What is the cheapest car insurance in Montgomery?
  • What is the best car insurance in Montgomery?
  • What is the minimum car insurance in Montgomery, Alabama?
MEET OUR EXPERTS
meet-experts-thumbnail
Maria Cruz

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

meet-experts-thumbnail
Sarah Gray

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.