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In the market for auto insurance in Montgomery? At AutoInsuranceEZ.com, you can find the very best insurance rates in your area. To find free car insurance quotes from the major providers today, provide your zip code into the quote box on this page.

Montgomery is not just Alabama’s 2nd largest city; it’s also the capital of Alabama. Many may not know about Montgomery’s commitment to culture and the performing arts, but the city is home to not just a prominent museum of fine art, but one of the most prestigious Shakespeare Festival as well. Montgomery also has a notable tourism industry.

Fun fact: did you know that Montgomery, AL is #3 on the list of “Top 101 cities with largest percentage of males in occupations: Architecture and engineering occupations: (population 50,000+)”? Find more information on car insurance in Alabama below.

Auto Insurance Coverage Requirements in Alabama

If you want to drive legally in Alabama, you must purchase at least the following types and amounts of Liability coverage:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

But remember that Liability coverage is extremely limited. Your Liability insurance will only pay out claims in the event that you get into an accident which you are deemed liable for (if the accident is your fault). If your car is stolen, or if you get into an accident caused by someone else, your insurance will not pay out on any claims.

For some drivers, especially those with less than perfect credit or a tainted driving record, average monthly rates in Alabama can be as high as $174 or more per month. However, a good credit score and clean record can get you insured for around $35/month!

Average Monthly Auto Insurance Premiums Legend: Montgomery Farmers State Farm Allstate ALFA Nationwide 5 10 15 20 25 30 35 40 $30 $33 $39 $30 $43

 
Farmers and State Farm have some of the most affordable rates for Montgomery drivers. However, there’s more to good automotive insurance coverage than a low monthly rate. Do they have friendly customer service? Will they pay out on claims as outlined in your agreement? Make sure you get good background information on all your prospective insurance companies before you make a final decision.

Auto insurance companies consider numerous factors when calculating insurance quotes, including marital status, credit score/rating, education, and theft protection devices. Additionally, premiums vary between companies. To verify you’re still paying the cheapest possible rate, compare cheap Montgomery auto insurance quotes online.

Montgomery Car Insurance Factors

There is a range of numerous things which can factor into the rate quotes you receive. Even though a portion of these elements aren’t really anything you can do something about, a few of them are variables which you can change for the better. Here are some factors which may alter your car insurance premium:

  • Your Zip Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Montgomery is 201,332, and the median household income is about $43,103.

Auto Insurance by Zip Code Legend: Tuscaloosa Montgomery Mobile Huntsville Birmingham Farmers State Farm Allstate ALFA Nationwide 5 10 15 20 25 30 35 40 45 $27 $30 $34 $25 $31 $33 $33 $36 $36 $43 $40 $39 $45 $41 $45 $29 $30 $31 $28 $32 $40 $43 $43 $39 $41

 

  • Automotive Accidents

If your zip code is located in an area with a high rate of accidents, you can expect to pay more for insurance as a result. The most recent accident statistics are displayed in the chart below, which marks a slight increase in accidents from the previous year.

Fatal Accidents in Montgomery, AL Legend: Montgomery Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 10 20 30 40 50 22 36 11 22 52 6

 

  • Auto Thefts in Montgomery

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Montgomery was 1,101 back in 2013, which marks a steady increase over the past few years. Of course, the only way to make sure you’re protected from auto theft is to add Comprehensive coverage to your insurance policy. But, as you can see in the chart below, that can get pricey.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Allstate ALFA Nationwide 10 20 30 40 50 60 70 80 90 100 110 $30 $83 $33 $96 $39 $105 $30 $117 $43 $91

 

  • Your Credit Score

Most people don’t realize how important their credit score is when determining their automobile insurance premiums. If you have poor credit, your monthly rate can be as high as double or triple that of someone with an excellent credit history.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Allstate ALFA Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 $24 $64 $23 $76 $32 $63 $29 $50 $40 $59

 

  • Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Auto Insurance Policy Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Allstate ALFA Nationwide 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $30 $220 $33 $78 $39 $172 $30 $58 $43 $91

 

  • Your Driving Record

The more violations you have on your record, the more likely you are to file a claim – which will lead your provider to charge you higher premiums. But if you have too many citations, or commit a serious violation – such as a DUI – you may lose your coverage all together.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Allstate ALFA Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 $30 $43 $50 $47 $33 $36 $36 $41 $39 $43 $51 $54 $30 $32 $41 $34 $43 $43 $57 $60

 

  • Your Vehicle

Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Allstate ALFA Nationwide 10 20 30 40 50 60 70 80 90 100 110 120 $30 $126 $33 $118 $39 $109 $30 $116 $43 $106

 

Minor Car Insurance Factors in Montgomery

Don’t let any of the factors listed below slip by unnoticed. Your insurance company will use them to evaluate your policy premiums, so you should be well-informed on each issue in order to maximize your savings:

  • Your Marital Status

For individual policies, marital status will have a 1-2% difference, if it makes one at all. But married couples can save money by bundling their policies together with the same company. Insurance companies frequently give discounts as a reward for bundling multiple policies together.

  • Your Gender

No matter what you may have heard, there is no significant difference in risk between male and female drivers – according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%. And some companies reward female drivers, while other providers charge less for males.

  • Your Driving Distance to Work

Montgomery motorists can expect to spend about 15 minutes or less on average during their morning commute. And even though Montgomery is a large city, they have a significant amount of workers who choose to drive to work alone in their car rather than carpooling (<10%) with their co-workers.

Your provider may ask you how many miles you anticipate driving each year, or why you’re driving in the first place (school/work/pleasure, etc). But whether or not your vehicle is for business is the largest factor. Business vehicles are charged 10-12% more on premiums than vehicles used to get to work and/or school.

  • Your Coverage and Deductibles

If you add additional coverage options to your policy, you can lower your monthly payments by raising your deductible. Keep in mind, though, that if you ever have to file a claim, you should have the cash on hand to be able to pay that deductible.

  • Education in Montgomery, AL

For those lucky enough to have achieved a high level of education, car insurance companies may be willing to reward you with lower rates. Unfortunately, such discounts do not apply if you have a nice job or a high yearly income. In Montgomery, most drivers have either a high school or less than high school level of education. There are also a fair number of motorists with either a bachelor’s degree or at least some college experience.

Whether you’re looking for a private university, a public university, a technical school, or a military institution, Montgomery has a great variety to choose from. Alabama State University boasts fantastic programs for health information management and education. And the Maxwell-Gunter AFB educates officers and enlisted soldiers for their military careers and beyond.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Alabama Department of Insurance

Alabama Department of Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Find Companies that Offer Lowest Rates on Auto Insurance in Montgomery, AL by entering your Zip Code into the calculator below.

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
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