Best Auto Insurance Rates in Montgomery, Alabama

On average your neighbors pay $60 a month.

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Average Montgomery Insurance Rates

How much does car insurance cost in Montgomery? Due to its relatively small population for a major city, traffic isn’t that bad. This helps keep roads clear and car insurance costs relatively low. Average rates in Montgomery are $722.89 per year. The national average price is $889.01.

Your rates may vary based on your driving history, previous claims, credit score, and more.

Alabama Average Annual Car Insurance Rates
Coverage Rates
Liability $394.21
Collision $317.96
Comprehensive $156.31
Total Cost Per Year $722.89
Price Per Month $60.24
Source: Facts + Statistics: Auto insurance

The graph below shows the average Alabama insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Montgomery car insurance increased from $653 in 2011 to $722 in 2015. This is a jump of $69 dollars, or 10.56 percent.

Alabama average car insurance rates

Buying car insurance in Montgomery can take a lot of work. Let QuoteWizard make it easier. We’ll help you quickly compare rates. In the end, you’ll save time and money.

Last year, 11,991 people used QuoteWizard to compare car insurance in Montgomery. Of them 2,575 were uninsured.

Best Car Insurance Companies in Montgomery, AL

These are the most popular car insurers reported by QuoteWizard users in Montgomery, Alabama.

Top 10 Vehicles

These are the most popular makes and models owned by Montgomery, AL QuoteWizard users.

  1. Nissan Altima 2.5
  2. Toyota Camry LE/SE
  3. Honda Accord EX/LX
  4. Chevrolet Impala/LS
  5. Ford Mustang
  6. Ford F-150
  7. Kia Optima LX
  8. Nissan Sentra S
  9. Chevrolet Tahoe C1500
  10. Hyundai Sonata SE
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Montgomery, AL

Per Alabama law, Montgomery drivers must carry minimum liability coverage. The minimum is 25/50/25. This means your policy must include: 

  • $25,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $50,000 Total Bodily Injury Liability:
    The total amount paid out per person injured in a car accident.
  • $25,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident

Recommended Coverage Levels

Minimum coverage alone might seem affordable. But after an accident, you could face a huge bill. A minimum policy doesn’t include collision or comprehensive coverage.

Minimum coverage pays for damages to others and their property. However, it doesn’t cover you. If you have an accident with only minimum coverage, your expenses are out-of-pocket.

Minimum liabilities are enough to get you on the road. But it’s easy to exceed those limits after an accident. Given that, we recommend the following coverage: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Montgomery Drivers

Insurance is more expensive in areas with frequent accidents and citations. How does Montgomery fare? QuoteWizard ranked state and city drivers from best to worst. According to our data, Alabama is the 28th worst state for drivers.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Weather

Montgomery suffers from occasional freezing temperatures. Icy roads during the winter bring danger to the road. The city gets about 53 inches of rainfall per year. This is close to double the national average of 30 inches. All of these add up to extra perils when you drive.

Road Conditions

TRIP reports that 48 percent of Alabama’s roads are in poor or mediocre condition. Bad roads in Montgomery cost drivers $485 a year in extra car operating costs.

Traffic Congestion

INRIX ranks Montgomery 180th out of 297 cities in the US for worst traffic congestion in the United States. Also, Montgomery commuters spent an extra 10 hours driving yearly due to traffic congestion.

Moving Violations

Citations and at-fault accidents can affect your driving record. Car insurance is more expensive for drivers with tickets or accidents. If your driving record is bad enough, you might be a high-risk driver. Many insurance companies refuse to cover high-risk drivers.  

Traffic Tickets

Montgomery County Police issued 199,143 enforcement actions (including warnings, citations, and repair orders) in 2017. Tickets can lead to higher insurance rates.

Photo Enforcement

Montgomery uses photo enforcement to curb speeding. Since the installing of the cameras, collisions have decreased by more than 50 percent. If you receive a photo enforcement ticket and pay it on time, it won’t affect your insurance.

DUI and DWAI Arrests

A DUI can increase your auto rates. Our study found that drivers with a DUI pay $830 more per year for car insurance. In 2017 Montgomery County Police made 3,163 DUI arrests. This is down 12.3 percent from 3,605 arrests made in 2016.

SR-22 DUI/DWAI Insurance

Montgomery, Alabama drivers with a suspended license due to DUI must file an SR-22. Their SR-22 insurance minimum is:

  • $25,000 for injury to one person
  • $50,000 for injury to two or more people
  • $25,000 for property damage

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2016, Montgomery County reported 6,362 car crashes.

Traffic Fatalities

Montgomery police reported 26 fatal crashes in 2017, resulting in 27 deaths. This is a seven percent reduction from 28 collisions in 2016 that resulted in 39 deaths.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Montgomery Police reported 919 auto thefts in 2017. That is a three percent decrease from 947 auto thefts in 2016.

Save With Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Montgomery drivers can use. Get a quote and find out which discounts you qualify for.

Looking for ways to get a discount? Montgomery drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. Bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill 
  3. Do you have more than one car? Look into a multiple car discount
  4. Drop your comprehensive coverage
  5. Discounts are available for active and retired members of the Military, National Guard, or Reserves
  6. Take a certified defensive driving course 
  7. If you’re a safe driver with a clean record, this can add up to lower rates
  8. Make sure your car as up-to-date safety features and anti-theft devices
  9. If you live in a safe neighborhood in Montgomery, you could save money 
  10. Shop around and compare car insurance rates in Montgomery.

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