Buy Cheap Montgomery, AL Auto Insurance

The best cheap auto insurance in Montgomery, Al comes from USAA, with rates averaging $184 per month or $2,212 annually. However, premiums vary by person, and only military personnel is eligible to use USAA. Nationwide is a competitive choice for non-military residents. Montgomery, AL auto insurance must meet the state minimum requirements of 25/20/25 for liability coverage. Compare Montgomery, AL auto insurance quotes online to get your best price.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: May 17, 2021

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A Concise Overview

  • The best cheap auto insurance in Montgomery, Alabama is from USAA.
  • Mild traffic congestion and auto theft statistics impact your Montgomery, AL auto insurance rates.
  • Auto insurance costs in Montgomery are cheaper than in other major Alabama cities, like Birmingham and Mobile.

Montgomery, Alabama auto insurance is less expensive than other major cities, like Birmingham and Mobile. By comparing rates from reputable companies online and seeking out discounts, you can secure cheap auto insurance in Montgomery, AL.

Read through our guide to learn how to get affordable Montgomery, AL auto insurance quotes regardless of your age or driving record.

Are you trying to find affordable auto insurance in Mobile, AL? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Montgomery, AL?

The cheapest Montgomery, AL auto insurance company is USAA. Rates from USAA average around $184 per month or $2,212 annually.

However, only active or retired military personnel and their families can use this company’s services. Nationwide offers competitive rates for non-military residents of Montgomery.

In the list below, compare the top insurance providers in Montgomery, AL, from cheapest to most expensive:

  • USAA – $2,212.78
  • Nationwide – $2,820.16
  • GEICO – $3,023.50
  • Allstate – $3,213.10
  • Travelers – $3,936.26
  • Farmers – $4,386.69
  • Progressive – $4,743.24
  • State Farm – $5,200.94
  • Liberty Mutual – $5,271.00

Because of the many different factors that affect auto insurance rates, your premiums from these companies will vary depending on your age, driving record, and the level of coverage you require.

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What auto insurance coverage is required in Montgomery, AL?

Folks who live in Montgomery, by law, must carry the Alabama legal auto insurance minimums. Getting caught driving without insurance in Alabama can result in some hefty fines.

Alabama state law required the following car insurance limits:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage.
  • $25,000 per accident in property damage liability coverage.

These minimums are very low, and drivers should consider raising these limits and carrying additional auto insurance coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Alabama is an at-fault state. If you’re liable for causing an accident, you and your insurance company are responsible for paying for any associated damages.

What affects auto insurance rates in Montgomery, AL?

Auto insurance costs in Montgomery are manageable thanks to very mild traffic congestion in your city that positively impacts the average insurance rates.

A traffic report from INRIX ranks Montgomery as the 205th most congested city in the country, with drivers only losing seven hours to traffic congestion each year.

The average commute time in Montgomery, as reported by City-Data, is only 19.3 minutes, shorter than the national average of 26 minutes.

Auto theft in your city also influences insurance costs. According to the Federal Bureau of Investigation (FBI), Montgomery experienced 844 vehicle theft incidents in 2017. That’s a rate of 423.9 thefts per 100,000 people.

While this number is not unusual for a city the size of Montgomery, it does not help your car insurance rates.

Montgomery, AL Auto Insurance: The Bottom Line

Montgomery, Alabama is a more affordable city for auto insurance than both Birmingham and Mobile. You can save even more on your overall costs by shopping around and comparing quotes from reputable providers in your city.

Ready to buy Montgomery, AL auto insurance? Compare auto insurance rates from companies near you for free by entering your ZIP code into our quote tool below.

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