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Key Takeaways

  • Average car insurance costs in Montgomery are $1500 per year.
  • USAA is the cheapest insurance companyin Montgomery. However, you should always get more than one quote to find your best rate.
  • The number of drivers in Montgomery who have been in an accident is 1 in 10.

How much does car insurance cost in Montgomery?

Car insurance costs the average Montgomery driver $1500 per year. That's less than the average price in Alabama, which is $1745, and marginally less than the average price in the rest of the country, which is $1557.

Shop around for car insurance in Montgomery, AL, to get cheap car insurance. If you do so, you will for sure get to save at least $114 on average annually.

Way.com is here to make purchasing auto insurance more accessible than ever before. Signing up takes 45 seconds, and Way.com will compare bids to find you the best coverage. Read on to find out how much you can expect to pay in Montgomery, depending on your marital status, age, credit score, and other factors.

Montgomery rates vs. Alabama vs. National Average

Montgomery Average (annual) Alabama Average United States Average
$1500 $1745 $1557

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Montgomery Auto Insurance Premiums by Company

Car insurance rates vary a lot from company to company, so carefully compare car insurance quotes in Montgomery, AL, and choose your auto insurer.

USAA has the lowest rates in Montgomery for a typical driver.

See below for the best companies to get cheap auto insurance in Montgomery, but don't forget to get personalized quotes to match your driving history.

Insurance Company Average Rate (annual)
USAA $984
Allstate $1521
Safeway $1596
Progressive $1668

Montgomery Auto Insurance Premiums by Age Group

Drivers in their 60s in Montgomery pay an average of $1368 per year for car insurance, which isn't too expensive. However, in Montgomery, drivers in their 20s have to pay more than $2139 for car insurance than drivers in their teens.

The premiums will vary for car insurance companies in Montgomery, AL. This is because the premiums are dependent on the details of the driver.

Age tier Average Yearly Rate
20s $2139
30s $1488
60s $1380

Montgomery Auto Insurance Premiums by Marital Status

In some situations, a driver's marital status will affect how much they pay for car insurance. Data shows that single drivers are more likely to file claims, so they usually pay more than married drivers. Car insurance costs $111 less in Montgomery for married people than for single people. The rates for widows are also less than what single drivers have to pay.

Marital Status Average Annual Rate
Single $1500
Married $1389
Divorced $1500
Widowed $1470

Montgomery Auto Insurance Premiums by Gender

Gender is another thing that can affect how much you pay for car insurance. In Montgomery, the difference between what men and women pay for car insurance is $6 per year. Men pay more than women.

Gender Average Annual Rate
Female $1494
Male $1500

Montgomery Auto Insurance Premiums by Driving Record

Keep your driving record clean if you want to keep your car insurance costs down. Car insurance rates go up because of accidents where the driver was at fault, DWIs, reckless driving tickets, and speeding tickets.

Insurance companies give low rates to drivers who pose less risk.

Reckless driving and driving under the influence are two of the worst driving mistakes from an insurance point of view. The average insurance rate increase for a reckless driving ticket in Montgomery is $908 per year, which is higher than the average for the whole city.

For comparison, a DUI leads to a $963 rate increase, while a speeding ticket leads to a $252 rate increase.

Incident/Violation Average Yearly Rate
DUI/DWI $2463
Reckless Driving $2403
At-fault Accident $2163
Speeding Ticket $1752

Montgomery Auto Insurance Premiums by Credit Rating

Credit is a big part of how insurance companies rate people. Most of the time, drivers with bad credit pay more for car insurance than drivers with good credit. In other words, maintain a good credit score to get cheap car insurance in Montgomery, AL.

Drivers in Montgomery whose credit score goes from"Very Poor" (300-579) to"Exceptional" (800-850) see their car insurance rates drop by 64%. In addition, your auto insurance price might change if you move from the "Very Poor" credit level to"Fair." In Montgomery, moving from the"Poor" credit level to the"Fair" credit level saves an average of $1,421 per year on insurance.

Credit Score Average Yearly Rate
Very Poor $3279
Fair $1863
Good $1500
Very Good $1359
Exceptional $1197

Montgomery Auto Insurance Premiums by ZIP Code

A driver's ZIP code will also affect how much car insurance costs. The average cost of car insurance in Montgomery varies from $1737 to $1800 based on the ZIP code.

Your ZIP code is used to figure out how dangerous your neighborhood is. For example, your car insurance rates can be affected by whether or not you can park on the street if there are reports of theft or vandalism, and how many accidents and traffic tickets happen in your ZIP code.

ZIP code Average cost
36104 $1749
36105 $1791
36106 $1737
36107 $1761
36108 $1752
36109 $1770
36110 $1719
36111 $1800
36113 $1701
36115 $1761
36116 $1809
36117 $1773
36119 $1740

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What would increase your Car Insurance Rate in Montgomery

When deciding how much to charge for a policy, car insurance companies will look at several things. Where you live has a lot to do with how much your policy costs.

Some of these factors include

  • Number of people who drive in the area
  • Road safety laws (total number of local car accidents)
  • Accessibility of parking off the street

Even if you can't do much to change them, it's good to be aware of these things as you look for a new policy or think about moving. Knowing that different towns and cities have different rates, these guides can be a good way to understand how things work in your area.

Even if you're happy with your current auto insurance, it doesn't hurt to look around and see if there's something better. Visit Way.com today to compare quotes, determine if you qualify for discounts, and sign up for the best car insurance. As a result, Way.com helps most people save more money than they thought they could.

Get in touch with car insurance agents in Montgomery to help you get the right car insurance quotes. If you are unsure of approaching agents, log on to Way.com App.

Auto Theft Statistics in Montgomery

In 2021, there have been 67 carjackings. The numbers reflect a 72% increase when compared to 2020.

Accidents Statistics in Montgomery

Car accidents are unfortunately a part of driving, but the number of accidents varies from city to city and state to state. For example, in Alabama, drivers in Montgomery have the ninth-most car accidents per driver.

Tips for Driving in Montgomery, Alabama

Montgomery has a nice mix of big-city freeways and the feel of a much smaller town when you're driving there. Most people who live in the city find it easy to get where they need to go. As long as you know your way and give yourself plenty of time on the road, you shouldn't have too many problems getting around the city.

Any history buff will know that Montgomery has a good bus system because Rosa Parks started her boycott on one of its buses. Today's routes go around downtown and also go to some communities outside of downtown. Those who don't have a car can also take the downtown trolley, which runs from 9 a.m. to 4 p.m. Monday through Saturday.

Uber and Lyft are also popular. Montgomery hasn't seen any new ways to get around, like scooters, which have become popular in other parts of the country.

Driving Conditions

  • Wind - SSW 9 km/h
  • Wind Gusts - 19 km/h
  • Rain - 9.6 mm

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQS

How much is car insurance in Montgomery?

Car insurance costs the average Montgomery driver $1500 per year. That's less than the average price in Alabama, which is $1745, and marginally less than the average price in the rest of the country, which is $1557.

Where can I find cheap car insurance in Montgomery?

USAA has the lowest rates in Montgomery for a typical driver. Visit Way.com today to compare quotes, determine if you qualify for discounts, and sign up for the best car insurance. As a result, Way.com helps most people save more money than they thought they could.

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Learn more by city and state for car insurance




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