Cheapest Car Insurance In Montgomery, AL 2025
In Montgomery, GEICO provides the lowest rates for minimum coverage, averaging $37 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for cheap car insurance in Montgomery, AL, you’ll find that rates can differ significantly.
If you want the cheapest liability insurance, GEICO is your best bet. For full coverage, Progressive has the lowest rates, and State Farm is the most affordable for young drivers.
Cheapest Car Insurance In Montgomery, AL 2025
Cheapest Liability-only Car Insurance In Montgomery: State Farm
In Montgomery, GEICO provides the cheapest minimum coverage car insurance at about $37 per month.
Use the table below to compare different insurance companies and their rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Cheapest Full Coverage Insurance Rates In Montgomery: Erie
In Montgomery, Progressive provides the most affordable full coverage car insurance at around $92 per month.
Compare average car insurance rates from low-cost insurers in Montgomery using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $83 | $996 |
| Auto-Owners | $86 | $1,032 |
| American Family | $104 | $1,248 |
| Nationwide | $107 | $1,284 |
| Progressive | $116 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Erie
In Montgomery, seniors can get the cheapest car insurance from State Farm, averaging $87 a month.
Below is a table comparing average rates from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $62 | $744 |
| USAA | $70 | $840 |
| Auto-Owners | $64 | $768 |
| GEICO | $69 | $828 |
| Nationwide | $75 | $900 |
Cheapest Rates In Montgomery For Teenagers: State Farm
At $131 per month on average, State Farm offers Montgomery’s cheapest car insurance option for teenage drivers.
Below is a comparison table featuring the cheapest auto insurers for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $131 | $1,572 |
| Auto-Owners | $152 | $1,824 |
| USAA | $167 | $2,004 |
| Nationwide | $200 | $2,400 |
| Safeco | $214 | $2,568 |
Cheapest Auto Insurance For Young Adults in Montgomery: Clearcover
At $70 per month on average, Clearcover offers young adults the lowest car insurance rates in Montgomery.
The table below presents a side-by-side comparison of the cheapest auto insurance rates for young adults in Montgomery.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $70 | $840 |
| USAA | $97 | $1,164 |
| National General | $92 | $1,104 |
| State Farm | $107 | $1,284 |
Cheapest Car Insurance In Montgomery For Good Drivers: State Farm
At approximately $42 per month, State Farm provides the most affordable car insurance for safe drivers in Montgomery.
The table below lists average quotes from affordable car insurance providers, specifically for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Find affordable Montgomery rates
Cheapest Car Insurance In Montgomery After A Speeding Ticket: State Farm
At $77 per month on average, State Farm offers one of the lowest rates in Montgomery for drivers with a speeding ticket.
Compare average insurance rates for drivers with a speeding violation using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $77 | $925 |
| Erie | $87 | $1,042 |
| Auto-Owners | $94 | $1,130 |
| GEICO | $158 | $1,898 |
| USAA | $79 | $950 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm leads with the most affordable rates for drivers with an at-fault incident, costing about $84 per month on average.
Here’s a list of car insurance providers with the cheapest premiums for drivers who have an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Montgomery For Drivers After A DUI: State Farm
State Farm leads in affordability for drivers with a DUI in Montgomery, with monthly premiums averaging $78.
The table below provides average quotes from insurers offering the cheapest rates for drivers with a DUI in Montgomery.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $78 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Best Car Insurance Companies In Montgomery
State Farm leads with the lowest rate of $42 per month for Montgomery drivers, but Auto-Owners ($48) and Erie ($49) are also great options.
The following ranking shows the top 10 car insurance providers in Montgomery, AL, based on average monthly premiums.
| Company | Monthly Premium |
| State Farm | $42 |
| Auto-Owners | $48 |
| GEICO | $52 |
| American Family | $59 |
| Progressive | $68 |
| Nationwide | $63 |
| Erie | $49 |
| Safeco | $66 |
| Allstate | $90 |
| Travelers | $98 |
Average Auto Insurance Rates In Montgomery – By Age
Age has a significant impact on car insurance rates. Due to their inexperience and higher accident rates, younger drivers face higher premiums. Teens can expect to pay about $2,432 per year on average.
At 25, drivers often qualify for lower insurance rates if they have a history of safe driving.
Drivers in their 50s and early 60s often secure the lowest insurance rates, with age serving as a major factor in insurers’ risk assessments.
| Age | Average Yearly Rate |
| Teenagers | $2,432 |
| 20s | $1,569 |
| 30s | $1,094 |
| 40s | $1,074 |
| 50s | $991 |
| 60s | $970 |
| 70s | $1,066 |
Average Rates In Montgomery – By Vehicle
Your car’s make, model, and year play a big role in setting your insurance rate. Newer luxury cars, which have advanced features and high replacement costs, often come with higher premiums.
Below, you can explore average insurance rates in Montgomery based on vehicle type.
| Vehicle | Average Monthly Rate |
| Chevrolet Impala | $98 |
| Ford Escape | $182 |
| Hyundai Sonata | $105 |
| Jeep Cherokee | $312 |
| Kia Rio | $92 |
Average Cost Of Auto Insurance In Montgomery – By Zip Code
Insurers set different car insurance rates for each ZIP code based on crime rates and other local risks.
Below, you can compare average car insurance rates for different ZIP codes within Montgomery.
| City | Average Monthly Rate |
| 45404 | $90 |
| 45449 | $81 |
| 45406 | $118 |
| 45414 | $90 |
| 45434 | $110 |
How Much Is Car Insurance In Other Cities in Ohio?
The cost of your car insurance is influenced by where you live. Urban areas, with their increased risk of accidents, theft, and vandalism, typically result in higher premiums.
On average, car insurance costs $144 per month in Groveport, while drivers in Springfield pay about $80 monthly.
| City | Average Monthly Rate |
| Youngstown | $105 |
| Hamilton | $96 |
| Columbus | $118 |
| Lima | $92 |
| Groveport | $144 |
| Canton | $90 |
| Springfield | $80 |
| Akron | $100 |
| Cleveland | $117 |
| Cincinnati | $110 |
Find affordable Montgomery rates
Our methodology
To find the least expensive auto insurance rates in Montgomery, we looked through findings taken from several car insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. Another contributing factor was the combined twenty-five years of experience within our team of insurance experts to evaluate each insurance company. It’s important to be aware that even though the rates in this guide are accurate, premiums change almost daily and can fluctuate based on each individual.
Quotes Analyzed
Brands Reviews
Years of Industry Experience
Hours of Research
FAQs
Why is Alabama car insurance so high?
Many factors can impact the average monthly car insurance rates of a state. For Alabama, the state average is higher than other areas of the country for two reasons — high number of accidents and a large number of drivers who are not insured.
How much is car insurance in AL a month?
The majority of drivers can expect to pay an average of $189 per month for their car insurance coverage in Alabama. However, there are factors including credit history and driving record that can impact the premium each driver is quoted.
Which company offers the cheapest car insurance in Montgomery, AL?
State Farm offers the cheapest auto insurance rates for motorists in Montgomery, AL, for many groups of drivers. Motorists will pay around $106 per month for a State Farm policy, which is $80 less than the state average for the same amount of coverage.
