Best cheap car insurance in Montgomery for 2025
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Montgomery
To help you find the best car insurance companies in Alabama, Bankrate’s team analyzed average premium data from Quadrant Information Services. We looked at each provider’s affordability, J.D. Power customer satisfaction scores and AM Best financial strength ratings to create a Bankrate score, which is calculated on a five-point scale. The score could help you quickly compare providers as you begin searching for affordable car insurance.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Travelers made our list: In addition to a strong financial strength rating from AM Best of A++ (Superior), policyholders could save up to 30 percent with Travelers' telematics program, IntelliDrive. You can also score special rates as part of Travelers’ affinity program just by being a member of specific organizations, such as a bank, credit union, professional organization, alumni association or employer group.
Why Travelers may be best for customizable coverage options: The carrier allows policyholders to customize their coverage, drawing from an impressive list of potential endorsements like gap insurance, new car replacement, roadside assistance, rideshare coverage and accident forgiveness.
| Bankrate Score | 4.1 |
| J.D. Power | 642/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico, a subsidiary of Berkshire Hathaway, is one of the best car insurance companies in the country. It offers standard coverage and optional services like roadside assistance and mechanical breakdown coverage, while still providing lower-than-average rates in the south. Montgomery drivers looking for a company with local agents will also be able to find Geico representatives in the city.
Why Geico may be best for discounts: In addition to low average rates in Montgomery, the company has no shortage of potential discounts, too, with savings opportunities for military members, good students and federal employees, to name a few.
| Bankrate Score | 4.3 |
| J.D. Power | 651/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate offers a generous list of discounts to help make Montgomery auto insurance rates more affordable. Drivers who don’t drive much may save even more with Allstate’s Milewise pay-per-mile insurance program. Though Allstate ranked below-average in the Southeast region, it’s above-average for shopping and service in the 2024 Digital Insurance Experience Study, which can make participating in its telematics program Drivewise easier.
Why Allstate may be best for telematics: Drivers who regularly practice safe habits behind the wheel could save even more with Allstate’s Drivewise program, which offers on top of its safe driving discount.
| Bankrate Score | 3.9 |
| J.D. Power | 634/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: Beyond competitive average rates, USAA members enjoy numerous benefits, including discounts on rental cars and home security systems, shopping rewards and travel deals. With a long-standing reputation for stellar customer service, USAA caters to the needs of military personnel and their families. Through USAA's SafePilot program, policyholders could earn up to a 30 percent discount on premiums by maintaining safe driving habits.
Why USAA may be the best for military members and their families: This highly-rated insurer provides coverage exclusively for military members, veterans and their families. Military-focused discounts include savings for garaging a vehicle on base and savings for drivers whose parents carry a USAA insurance policy.
| Bankrate Score | 4.3 |
| J.D. Power | 759/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm is the largest insurer of personal vehicles in the U.S. It offers specialty coverage options such as rideshare coverage to allow policyholders to create an auto insurance policy tailored to their needs. Discounts such as the Drive Safe & Save program could offer savings up to 30 percent, and bundling your home and auto policies could save you up to 17 percent.
Why State Farm may be the best for customer service: State Farm scored above average for overall customer satisfaction in the Southeast region and for claims satisfaction from J.D. Power., and fFor those who prefer an in-person experience, the company offers numerous exclusive local agents in the Montgomery area.
| Bankrate Score | 4.3 |
| J.D. Power | 673/1,000 |
| AM Best Rating | A++ |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Montgomery
Car insurance can be more expensive in cities than rural areas. Dense traffic leads to higher accident rates, and cities generally have a higher cost of living, leading to pricier repair costs. Fortunately, shopping around may help you find the coverage you need at an affordable price. Below are the cheapest car insurance companies in Montgomery based on average minimum coverage rates.
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|
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|---|---|---|
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$367
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$1,307
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|
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$376
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$1,664
|
|
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$438
|
$1,802
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|
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$639
|
$1,888
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|
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$447
|
$2,016
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How much is car insurance in Montgomery, Alabama?
The average cost of car insurance in Alabama is $2,086 per year for full coverage and $512 per year for minimum coverage. To compare, average full coverage rates in Montgomery are 5 percent more than the state average at $2,185 per year, while minimum coverage rates are 10 percent more at $563 per year.
Though higher than the state average, Montgomery’s average rates are still cheaper than the national average, which averages $2,685 annually for full coverage and $800 for minimum.
Montgomery rates for teens
Most insurance providers consider teenage drivers to be high-risk, so this demographic typically pays some of the highest average rates for coverage. As teenagers gain experience behind the wheel and get older, rates often begin to drop. Teens that are shopping for the cheapest car insurance might want to remain on their parents’ insurance policies for as long as possible.
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|---|---|---|
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$870
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$632
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$1,120
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$882
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|
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$1,165
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$848
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|
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$1,210
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$1,008
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|
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$1,253
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$742
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|
|---|---|---|
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$2,764
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$2,133
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$3,597
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$3,018
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|
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$3,655
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$2,410
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|
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$4,224
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$3,163
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|
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$4,768
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$4,007
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Montgomery rates for young drivers
When teenagers become young adults, they are considered youthful operators until they turn 25 or get married. While this demographic’s insurance rates are often lower than those for teens, young adults might want to search out discounts for young drivers in order to find the cheapest rates. Some of these discounts include driving training discounts and good student discounts.
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|---|---|---|
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$657
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$406
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$897
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$476
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$997
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$624
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$1,000
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$783
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|
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$1,076
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$640
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|
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|---|---|---|
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$2,439
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$1,521
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$3,485
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$2,044
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|
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$3,566
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$2,281
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$3,621
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$2,483
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|
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$3,938
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$3,131
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Montgomery rates for adults
Adult drivers usually see steady insurance rate declines after the age of 25, as long as you maintain a clean driving record. Other factors that impact your auto insurance rates include your credit history, vehicle type and ZIP code.
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|---|---|---|---|
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$376
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$376
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$356
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$396
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$367
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$367
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|
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$496
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$438
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$415
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|
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$514
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$447
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$419
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|
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$667
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$639
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$618
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|---|---|---|---|
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$1,465
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$1,307
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$1,288
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$1,685
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$1,664
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$1,565
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|
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$1,983
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$1,888
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$1,813
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|
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$2,056
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$1,802
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$1,688
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|
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$2,319
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$2,016
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$1,779
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Montgomery rates for senior drivers
Insurance premiums typically begin to creep up after a driver turns 70. Physical impairments can begin to impact your reaction time with age, but looking for discounts, maintaining a clean driving record and shopping around regularly may help seniors continue to find low rates.
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|---|---|---|
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$352
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$413
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$358
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$451
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|
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$410
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$457
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|
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$420
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$491
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|
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$602
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$691
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|
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|---|---|---|
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$352
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$1,348
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|
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$358
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$1,805
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|
|
$410
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$1,710
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|
|
$420
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$1,856
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|
|
$602
|
$2,010
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Montgomery by driving record
One of the biggest factors in determining your insurance premium is your driving record. Montgomery drivers with recent speeding tickets or accidents will usually pay more for car insurance than drivers with a clean driving history. However, all carriers assess incident risk differently, so shopping around may help you find more affordable rates even with a less-than-perfect driving history.
Car insurance with a speeding ticket in Montgomery
Alabama drivers with a speeding ticket will usually see elevated insurance premiums for three to five years after the incident. The average cost of full coverage car insurance with a single speeding ticket is 22 percent more than the cost of coverage for a driver with a clean record.
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|---|---|---|
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$465
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$1,708
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$506
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$2,198
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$518
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$2,131
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Safeway
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$583
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$2,455
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$650
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$3,055
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Car insurance after an accident in Montgomery
Having an at-fault accident on your driving record in Montgomery yields average full coverage car insurance rates that are 47 percent more than rates for drivers with clean records. If you're concerned about the potential impact of a car accident on your premium, you could look for a carrier that offers accident forgiveness coverage. While specifics vary by company, this add-on generally prevents a post-accident surcharge that increases your rate following your first at-fault accident, though you may still receive a rate increase if you lose a safe driver discount or for other factors.
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|---|---|---|
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$500
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$1,783
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$687
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$2,838
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$693
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$2,709
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Safeway
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$760
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$2,953
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$776
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$3,468
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Car insurance after a DUI in Montgomery
Alabama drivers who get DUIs are usually required to file an SR-22 to prove that they meet the state's minimum coverage requirements. A DUI is considered one of the most severe infractions, and not all carriers will extend coverage to drivers with DUIs.
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|---|---|---|
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$539
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$1,912
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$651
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$2,736
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Safeway
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$848
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$3,150
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$869
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$2,584
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$899
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$3,587
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Minimum coverage requirements in Montgomery
Alabama drivers are only required by law to carry a minimum amount of liability insurance, but many insurance experts recommend purchasing higher coverage limits and additional coverage types to protect you financially. Since Montgomery is one of the most populated cities in Alabama, collision and comprehensive coverage could prevent you from paying out of pocket substantially if your vehicle gets damaged, regardless of fault.
According to Alabama car insurance laws, drivers must have the following minimum liability insurance:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 for property damage
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
