Cheapest Car Insurance In Montgomery, AL 2025
In Montgomery, Auto-Owners provides the lowest rates for minimum coverage, averaging $46 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, Auto-Owners is your best bet. For full coverage, State Farm has the lowest rates, and Clearcover is the most affordable for young drivers.
Cheapest Car Insurance In Montgomery, AL 2025
Cheapest Liability-only Car Insurance In Montgomery: Auto-Owners
In Montgomery, Auto-Owners provides the cheapest minimum coverage car insurance at about $46 per month.
Use the table below to compare different insurance companies and their rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $46 | $552 |
| State Farm | $48 | $576 |
| Country Financial | $51 | $612 |
| Allstate | $47 | $564 |
| GEICO | $65 | $780 |
Cheapest Full Coverage Insurance Rates In Montgomery: State Farm
In Montgomery, State Farm provides the most affordable full coverage car insurance at around $84 per month.
Compare average car insurance rates from low-cost insurers in Montgomery using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,008 |
| Auto-Owners | $86 | $1,032 |
| Nationwide | $140 | $1,680 |
| Country Financial | $92 | $1,104 |
| Allstate | $90 | $1,080 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
In Montgomery, seniors can get the cheapest car insurance from Direct Auto, averaging $55 a month.
Below is a table comparing average rates from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $55 | $660 |
| USAA | $83 | $996 |
| Clearcover | $67 | $804 |
| National General | $110 | $1,320 |
| Cincinnati | $95 | $1,140 |
Cheapest Rates In Montgomery For Teenagers: Country Financial
In Montgomery, teen drivers can get the most affordable insurance from Country Financial, averaging $144 per month.
Below is a table displaying the companies offering the lowest insurance prices for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $144 | $1,728 |
| State Farm | $158 | $1,896 |
| Auto-Owners | $151 | $1,812 |
| Allstate | $176 | $2,112 |
| Travelers | $225 | $2,700 |
Cheapest Auto Insurance For Young Adults in Montgomery: Clearcover
Clearcover provides the most affordable car insurance for young adults in Montgomery, with an average monthly cost of $75.
The table below provides a comparison of the lowest car insurance rates for young adults in Montgomery.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $75 | $900 |
| USAA | $136 | $1,632 |
| Direct Auto | $94 | $1,128 |
| Country Financial | $175 | $2,100 |
| Allstate | $165 | $1,980 |
Cheapest Car Insurance In Montgomery For Good Drivers: Auto-Owners
In Montgomery, safe drivers can get the cheapest car insurance from Auto-Owners for about $46 a month.
If you have a clean driving record, use the table below to find the most affordable insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $46 | $552 |
| State Farm | $48 | $576 |
| Country Financial | $51 | $612 |
| Allstate | $47 | $564 |
| GEICO | $65 | $780 |
Find affordable Montgomery rates
Cheapest Car Insurance In Montgomery After A Speeding Ticket: Auto-Owners
Auto-Owners provides some of the cheapest insurance in Montgomery, with rates averaging $63 per month for drivers with a speeding violation.
The table below shows typical insurance costs for drivers who have a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $63 | $756 |
| Allstate | $66 | $792 |
| State Farm | $64 | $768 |
| Travelers | $85 | $1,020 |
| GEICO | $90 | $1,080 |
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Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers with an at-fault incident, Auto-Owners offers the lowest insurance rates at about $65 a month.
Below is a list of insurers with the most affordable rates for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $65 | $780 |
| Allstate | $69 | $828 |
| Travelers | $90 | $1,080 |
| GEICO | $95 | $1,140 |
| Nationwide | $110 | $1,320 |
Cheapest Rates In Montgomery For Drivers After A DUI: Auto-Owners
For Montgomery drivers with a DUI, Auto-Owners provides the most affordable coverage at around $77 per month.
If you have a DUI in Montgomery, check the table below for the lowest insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $77 | $924 |
| Allstate | $82 | $984 |
| Travelers | $106 | $1,272 |
| GEICO | $114 | $1,368 |
| Nationwide | $131 | $1,572 |
Best Car Insurance Companies In Montgomery
Montgomery drivers can get the most affordable coverage from Auto-Owners for $46 monthly, with Allstate at $47 and State Farm at $48.
The table below ranks the 10 best car insurance providers in Montgomery, AL, based on their average monthly premiums.
| Company | Monthly Premium |
| Auto-Owners | $46 |
| State Farm | $48 |
| Country Financial | $51 |
| Allstate | $47 |
| GEICO | $65 |
| Direct Auto | $64 |
| National general | $67 |
| Nationwide | $76 |
| Farmers | $82 |
| Progressive | $81 |
Average Auto Insurance Rates In Montgomery – By Age
Car insurance rates heavily depend on age. Since younger drivers have less experience and a higher chance of accidents, their premiums are typically higher. Teen drivers can expect to pay around $3,615 per year.
At age 25, drivers often see lower insurance premiums, as long as they keep a good driving history.
The lowest insurance premiums are often available to drivers in their 50s and early 60s, as insurers use age to gauge risk and driving history.
| Age | Average Yearly Rate |
| Teenagers | $3,615 |
| 20s | $2,559 |
| 30s | $1,739 |
| 40s | $1,729 |
| 50s | $1,271 |
| 60s | $1,272 |
| 70s | $1,618 |
Average Rates In Montgomery – By Vehicle
Your vehicle type has a big impact on your car insurance premiums. Insurance companies look at details such as the car’s make, model, year, and body style, with high-tech luxury models typically having higher rates.
The table below shows typical insurance costs for different types of vehicles in Montgomery.
| Vehicle | Average Monthly Rate |
| Chevrolet Camaro | $306 |
| Ford F150 | $238 |
| Chevrolet Uplander | $89 |
| Ford Crown Victoria | $143 |
| Kia Sorento | $245 |
Average Cost Of Auto Insurance In Montgomery – By Zip Code
Your zip code helps insurers evaluate crime risks in your area, leading to different insurance rates for each location.
Use the table below to see how insurance rates vary across different zip codes in Montgomery.
| City | Average Monthly Rate |
| 36108 | $158 |
| 36107 | $110 |
| 36104 | $125 |
| 36111 | $127 |
| 36022 | $115 |
How Much Is Car Insurance In Other Cities in Alabama?
Your car insurance rates are heavily influenced by your location. Urban areas, with higher risks of accidents, theft, and vandalism, usually come with higher premiums.
Car insurance costs vary by city—Mobile drivers pay about $159 a month, while Florence residents see lower rates at $115 per month.
| City | Average Monthly Rate |
| Tuscaloosa | $153 |
| Dothan | $126 |
| Birmingham | $156 |
| Mobile | $159 |
| Huntsville | $132 |
| Athens | $123 |
| Decatur | $125 |
| Florence | $115 |
| Jasper | $131 |
| Cullman | $121 |
Find affordable Montgomery rates
Our methodology
Taking into account customer service scores, pricing, policy options, and online reviews, I’ve compiled a comprehensive look at car insurance providers in Montgomery, AL.
Quotes Analyzed
Brands Reviews
Years of Industry Experience
Hours of Research
FAQs
Who has the lowest car insurance rates in Montgomery?
Auto-Owners provides the most affordable minimum coverage in Montgomery, while State Farm offers the best rates for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Montgomery?
The typical monthly car insurance rate in Montgomery is about $150, but your actual cost will vary based on your location, vehicle, and driving record.
