Cheapest car insurance quotes in Montgomery, AL

We reviewed 60 quotes from the top insurance providers in the country and discovered that State Farm ranked as the cheapest insurer for motorists in Montgomery, Alabama. State Farm had the cheapest premiums for minimum coverage, full coverage, and for drivers with violations, however, there are also many other insurance companies that offer good coverage at affordable premiums.

For example, we discovered that Travelers Insurance was the least expensive for young drivers whereas Assurance America was the most affordable for senior drivers. Additionally, drivers with a poor credit rating can find the best rates with Nationwide. Lastly, USAA remained the no.1 choice for both active military members and veterans.

In the last five years, Montgomery, has seen overwhelming growth within the private sector. With more people moving to Montgomery for work, it’s paramount that we have an understanding of the city’s average insurance rates when compared to other regions within the state.

The average monthly cost for a car insurance policy in Montgomery comes to around $252, while the average in the entire state of Alabama is only $185. Even though the city’s average car insurance plan costs significantly more than other areas in Alabama, there are still plenty of ways to go about finding a cheaper policy.

In this guide, we’ll look at the least expensive options for auto insurance and explore how different factors, such as age, driving record, and credit, can impact the amount you pay each month.

Cheapest Overall Rates in Montgomery

As time goes on, a lot of drivers will undoubtedly find themselves receiving a minor driving violation. This could be for speeding on the way to the office, or not fully stopping at a stop sign. These minor incidents won’t have a massive impact your insurance rates unless you find yourself receiving multiple violations in a short space of time.

However, other incidents such as DUIs, at-fault accidents, or reckless driving are seen as major offenses and can have a significantly impact on your monthly premium rates – meaning that they will be much higher. The main reason for this drastic rise in cost comes with the probability of risk.

The riskier a person is when driving, the more likely they are to, unfortunately, be involved in an accident.

Cheapest Rates for Motorists with Driving Violations in Montgomery

A lot of people incorrectly assume that having minimum insurance will cover all the expenses required in the event of an accident with another vehicle or personal property. Minimum coverage typically only covers the other person involved in the accident, and their property — minimum coverage does not protect you or your automobile.

Buying full comprehensive coverage adds a much more sufficient layer of protection to your auto insurance policy, also covering damage expenses related to your vehicle.

Typically, full coverage auto insurance policies will include the following protections:

• Property damage liability
• Bodily injury liability
• Comprehensive and collision
• Roadside assistance or rental car reimbursement

Cheapest Full Coverage Rates in Montgomery

If you’re wanting to purchase minimum coverage, making yourself aware of the state’s legal limits is one thing that we would suggest. Below are some of the things that you’ll want to be sure are included in your policy:

$25,000 bodily injury liability limit per person
$50,000 maximum for all bodily injuries to be paid for any one accident
$25,000 maximum for property damage per accident

Drivers failing to maintain the minimums listed could potentially face fines of up to $400 for multiple offenses.

Cheapest Minimum Coverage Rates in Montgomery

When you’re young and receive your driver’s license, it can be both exciting and overwhelming all at once. With a driver’s license and a vehicle comes a newfound freedom, as well as the responsibility to manage a vehicle on the road in a safe way.

Since many young drivers don’t have experience behind the wheel, insurance companies typically tend to increase their rates due to the increased risk of an incident.

As younger drivers spend more and more time on the road driving, all while maintaining a clean record, providers will collect more data on the driver and work out a more accurate risk assessment. For many drivers, this means your rates will decrease as long as there haven’t been any driving violations, as you get older.

Cheapest Rates for Young Drivers in Montgomery

For many drivers in their twilight years, accessing account information can be a bit of a challenge. With Assurance America, there are numerous ways to achieve this, including speaking with one of their representatives. Many policyholders speak highly about the hospitality and politeness that the customer service team deliver.

As well as easily accessible information, a lot of senior drivers are on fixed incomes, which means they need the most affordable coverage. Luckily, many insurance carriers offer special discounts to help keep costs low as drivers get older.

Cheapest Rates for Senior Drivers in Montgomery

Average cost of car insurance in Montgomery, Alabama

Average cost in Montgomery – By Age

Average cost in Montgomery – By Gender

Average cost in Montgomery – Marital Status

Average cost in Montgomery – By Accident and Violation History

Average cost in Montgomery – By Credit Tier

Average cost in Montgomery – By Zip Code

Minimum car insurance requirements in Alabama

Each state has its own requirements for a driver’s minimum motor insurance to operate a vehicle legally. For drivers living in Alabama, the minimum motor insurance requirements are as follows:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one accident
• $25,000 maximum for property damage per accident

While many carriers will include these coverage amounts in a standard motor insurance policy, it’s still recommended that you take the time to review the terms of your agreement before you go ahead and accept.

How to buy car insurance in Montgomery

Many drivers assume buying insurance is a complicated and drawn-out process. However, the majority of drivers can find a policy within a matter of minutes when going through websites such as Insuranceopedia, where they can compare coverage quotes.

Below are some essential steps when purchasing insurance in Montgomery.

Step 1: Gather Information

You can fill out the information step on purchasing auto insurance, although it’s much easier to collect it all in advance. The most common types of information you’ll need when applying include:

Driving history for all drivers on the plan
Information about your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle

• Driver’s license numbers for all policy members
• Name and birthdate of all policy members
• Information on your current provider, if you’re switching to another carrier

Step 2: Understand Your Coverage Needs

For motorists in Montgomery, the state requires that each individual carry an insurance policy that has the following minimums:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one accident
• $25,000 maximum for property damage per accident

Make a mental note of these numbers as you progress through the remaining steps of purchasing a policy. The state could charge you a fine for driving without sufficient insurance and minimum coverage.

Step 3: Select a Purchasing Method

Nowadays, a lot of motorists prefer to shop online for their car insurance as it’s often the easiest method, plus it gives shoppers more time to compare quotes without the additional pressure of conversing with an insurance agent. However, there are still some benefits to purchasing insurance the traditional way.

For example, working with an insurance agent provides you with the opportunity to ask questions and receive answers immediately. While many online insurance providers have a live chat feature, you may have to wait for the information you need to proceed.

No matter which path you choose, whether online or in-person, choosing the insurer that offers a policy that makes the most sense for your current situation is what’s most important.

Step 4: Compare Auto Insurance Policies

It’s often easy to accept the first quote that you receive from an insurance agency. However, we recommend that you collect at least three samples from separate insurers. By getting more quotes, you are then able to compare rates and investigate the types of discounts you qualify for from each insurance provider.

Step 5: Purchase Your New Auto Insurance Policy

The last step in purchasing an insurance policy is buying. You’ll need to purchase your new policy and close any open ends at this step.

For instance, if you’re switching providers, you’ll want to get in touch with your former insurer and have them cancel your policy after your new plan becomes active.

Factors that impact cost of your car insurance policy in Montgomery

When it comes to calculating rates, there are a number of factors that will play a role in how a provider determines your monthly premium. An example being your location, which is often a criterion that can impact your rates.

The insurance provider could deem your location to be high-risk depending on your zip code, or where you park your car. In these high-risk zones, car theft and vandalism are often more likely to happen, therefore insurance rates tend to be a little higher.

Along with your zip code, there are numerous other factors that impact the cost of your car insurance policy, including:

• Age
• Gender
• State Insurance Requirements
• Driving Record
• Vehicle Type
• Average Annual Mileage
• Credit History
• Marital Status

Alabama car insurance laws to know

The main car insurance law that Alabama drivers need to know is that the minimum liability coverage is 25/50/25. Drivers need to carry an insurance policy with a minimum of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

While these plans are a great way of protecting other drivers, a minimum liability coverage policy won’t protect you or your motor. Therefore you will need to add an extra type of insurance product to your policy, such as comprehensive or collision coverage.

In the news

• Insurance experts predict auto insurance rates to increase by 7 percent throughout Alabama, affecting cities such as Montgomery.
• State Farm could stop offering coverage for certain Kia and Hyundai vehicles due to increased circumstances of theft within the area

Information about Montgomery

Montgomery is the capital city of Alabama, with a population of almost 200,000 people. With an array of things to do and sites to see, Montgomery is home to ballets, museums, civil rights memorials, city parks, sports complexes, and a vibrant riverfront that houses Riverboat Harriott II. Famous for its sublime weather and divine food, and that good old Southern charm

Car insurance discounts in Montgomery

When looking for affordable car insurance premiums, motorists can also use discounts to lower the costs of their car insurance. Below are discounts to consider when purchasing your next policy:

• Safe driver
• Low mileage
• Accident-free
• Defensive driving
• Good student
• Student away
• Senior
• Military
• Multi-policy
• Multi-vehicle
• Paid in full

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