Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Montgomery, AL are $322/month
  • Average car insurance rates in Montgomery, AL for senior drivers are $2,027/year
  • The cheapest car insurance company in Montgomery for teen drivers is USAA

Average car insurance rates in Montgomery, Alabama are $322 a month. But with a little research you can get a great deal from the top car insurance companies in Montgomery, AL. Before you buy Montgomery, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Montgomery car insurance rates with Dothan car insurance rates, Huntsville car insurance rates, or Auburn car insurance rates to make sure you’re getting the best Montgomery, AL car insurance quotes available.

Need affordable Montgomery, AL car insurance? Enter your ZIP code to compare Montgomery car insurance quotes from multiple car insurance companies near you.

Montgomery, AL Minimum Car Insurance Coverage

Montgomery, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Montgomery, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Montgomery, AL Car Insurance Rates by Coverage Level

Some Montgomery drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Montgomery, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Montgomery, Alabama

Insurance Company Low Medium High
Allstate $3,095 $3,209 $3,335
Farmers $4,127 $4,326 $4,707
GEICO $2,770 $3,011 $3,290
Liberty Mutual $5,013 $5,245 $5,555
Nationwide $2,804 $2,797 $2,860
Progressive $4,230 $4,722 $5,278
State Farm $4,898 $5,197 $5,508
Travelers $3,731 $4,014 $4,064
USAA $2,131 $2,201 $2,307

Montgomery, AL Car Insurance Rates by Age, Gender, and Marital Status

Montgomery, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Montgomery, AL car insurance, get quotes from multiple car insurance companies in the Montgomery area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Montgomery, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,937 $1,849 $1,754 $1,789 $6,742 $7,254 $2,168 $2,213
Farmers $2,498 $2,481 $2,231 $2,374 $9,732 $10,017 $2,830 $2,932
GEICO $2,148 $2,138 $2,049 $2,134 $5,735 $5,604 $2,277 $2,104
Liberty Mutual $3,026 $3,267 $2,477 $2,774 $11,358 $12,635 $3,215 $3,414
Nationwide $1,830 $1,852 $1,666 $1,724 $4,886 $6,293 $2,035 $2,276
Progressive $2,531 $2,362 $2,085 $2,223 $10,697 $11,930 $2,962 $3,156
State Farm $3,142 $3,142 $2,858 $2,858 $9,746 $12,206 $3,556 $4,099
Travelers $1,559 $1,581 $1,471 $1,465 $8,634 $13,635 $1,473 $1,671
USAA $1,374 $1,395 $1,285 $1,261 $4,107 $4,553 $1,791 $1,935

Montgomery, AL Car Insurance Rates for Teens

How much is Montgomery, Alabama car insurance for teens? Compare rates from top Montgomery car insurance companies below to help find the cheapest teen car insurance in Montgomery, AL.

Annual Car Insurance Rates for Teen Drivers in Montgomery, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,742 $7,254
Farmers $9,732 $10,017
GEICO $5,735 $5,604
Liberty Mutual $11,358 $12,635
Nationwide $4,886 $6,293
Progressive $10,697 $11,930
State Farm $9,746 $12,206
Travelers $8,634 $13,635
USAA $4,107 $4,553

Montgomery, AL Car Insurance Rates for Seniors

Before seniors buy Montgomery, Alabama car insurance, they should make sure to shop around. Some Montgomery, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Montgomery, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,754 $1,789
Farmers $2,231 $2,374
GEICO $2,049 $2,134
Liberty Mutual $2,477 $2,774
Nationwide $1,666 $1,724
Progressive $2,085 $2,223
State Farm $2,858 $2,858
Travelers $1,471 $1,465
USAA $1,285 $1,261

Montgomery, AL Car Insurance Rates by Credit History

How does your credit history affect Montgomery, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Montgomery, Alabama

Insurance Company Poor Fair Good
Allstate $3,969 $3,120 $2,550
Farmers $4,915 $4,233 $4,012
GEICO $3,848 $2,742 $2,481
Liberty Mutual $7,532 $4,640 $3,641
Nationwide $3,402 $2,656 $2,403
Progressive $5,331 $4,596 $4,303
State Farm $8,444 $4,266 $2,893
Travelers $4,287 $3,724 $3,797
USAA $2,970 $1,938 $1,731

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Montgomery, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Montgomery, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Montgomery.

Annual Montgomery, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,736 $3,224 $3,807 $3,086
Farmers $3,692 $4,779 $4,662 $4,414
GEICO $2,031 $3,283 $4,077 $2,704
Liberty Mutual $4,133 $5,762 $5,621 $5,567
Nationwide $2,466 $2,466 $3,596 $2,754
Progressive $4,268 $5,397 $4,627 $4,681
State Farm $4,679 $5,839 $5,143 $5,143
Travelers $3,275 $3,435 $5,050 $3,985
USAA $1,701 $2,136 $3,173 $1,841

Montgomery, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Montgomery, AL car insurance rates. Compare rates below to see which Montgomery car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Montgomery, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,807
Farmers $4,662
GEICO $4,077
Liberty Mutual $5,621
Nationwide $3,596
Progressive $4,627
State Farm $5,143
Travelers $5,050
USAA $3,173

Montgomery, AL Car Insurance Rates by ZIP Code

Just like Montgomery car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Montgomery, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Montgomery, Alabama

ZIP Code Average Annual Rates
36043 $3,980
36064 $4,054
36104 $4,044
36105 $4,039
36106 $3,955
36107 $4,024
36108 $3,954
36109 $4,007
36110 $3,884
36111 $3,985
36112 $3,944
36113 $4,000
36114 $3,984
36115 $4,018
36116 $3,931
36117 $3,933
36119 $3,950

Montgomery, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Montgomery, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Montgomery companies based on commute time.

Annual Car Insurance Rates by Commute Length in Montgomery, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,213 $3,213
Farmers $4,387 $4,387
GEICO $2,968 $3,079
Liberty Mutual $5,271 $5,271
Nationwide $2,820 $2,820
Progressive $4,743 $4,743
State Farm $5,072 $5,329
Travelers $3,936 $3,936
USAA $2,111 $2,314

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Montgomery, AL Cheapest Car Insurance Rates

How do the top Montgomery, Alabama car insurance companies’ average rates stack up against the Montgomery average monthly car insurance rates of $322? Take a look and see.

Best Annual Car Insurance Rates by Company in Montgomery, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Montgomery, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Montgomery, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Montgomery, Alabama

Insurance Company Average Annual Rates
Allstate $3,213
Farmers $4,387
GEICO $3,024
Liberty Mutual $5,271
Nationwide $2,820
Progressive $4,743
State Farm $5,201
Travelers $3,936
USAA $2,213

Other Factors Affecting Montgomery, AL Car Insurance Rates

Before you buy Montgomery, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Montgomery, AL Car Theft Rates

The car theft rate in Montgomery, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Montgomery, Alabama is 972 stolen cars.

Montgomery, AL Commute Time

How does your Montgomery, AL commute time compare with the average driver? In Montgomery, the average commute is 19.9 minutes.

Montgomery, AL Traffic

Spending time in Montgomery traffic can lead to higher car insurance rates. According to INRIX data, Montgomery, AL ranks as the 413th-most congested with traffic in the world.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Montgomery, AL Car Insurance Quotes

Compare Montgomery, AL car insurance quotes from multiple companies by entering your ZIP code now.