In Montgomery, Alabama, the average annual cost of a comprehensive car insurance policy is $1,751, slightly exceeding the statewide average of $1,728.
Nevertheless, it’s crucial to emphasize that these averages offer merely a broad perspective.
Insight:
- USAA stands out as the most economical option for full coverage car insurance in Montgomery, boasting an average annual cost of $991.
- Safeway Insurance provides the most budget-friendly coverage for Montgomery drivers with poor credit.
- In Georgia, the mandatory minimum liability coverage includes $25,000 for property damage, $25,000 for bodily injury per person, and $50,000 for bodily injury per accident.
Approach & Reliability of Our Rates
n our methodology, we undertake a thorough examination of car insurance rates, meticulously sourced from Quadrant Information Services.
This involves an extensive analysis encompassing every ZIP code in all 50 states and Washington, D.C.
To ensure a comprehensive analysis for full coverage policies, we applied the following coverage limits:
- Bodily injury liability: 50/100
- Property damage liability: $50,000
- Uninsured/underinsured motorist: 50/100
- Comprehensive: $500 deductible
- Collision: $500 deductible
This rigorous approach forms the foundation of our reliable and trustworthy assessment of car insurance rates.
Additional coverages added as required by state or insurer.
- Overall average rate, ZIP code rates, and cheapest companies calculated for drivers aged 30, 35, and 45.
- Analysis used a 2017 Toyota Camry LE, driving 10,000 miles/year.
- Rates for violations and “Poor” credit based on a 30-year-old male with a credit score under 578.
- Some carriers represented by affiliates or subsidiaries.
- Presented rates are samples; your actual quotes may differ.
Top Affordable Auto Insurance Providers in Montgomery, AL
The amount you pay for car insurance is influenced by factors such as your location, age, driving history, vehicle, and even your credit score.
However, different insurance companies employ varying methods to determine your rate.
Consequently, you may receive different quotes for the same coverage from different providers.
Insurance Company Comparisons:
| Company | Average Cost | JD Power Rating |
|---|---|---|
| USAA | $991 | 890 |
| Nationwide | $1,225 | 868 |
| Travelers | $1,233 | 854 |
| Cincinnati Insurance | $1,240 | — |
| GEICO | $1,336 | 874 |
Lowest Car Insurance Rates by ZIP Code in Montgomery, AL:
Your ZIP code is a key factor in evaluating risks specific to your neighborhood.
Factors like on-street parking, incidents of theft and vandalism, and the frequency of accidents and traffic tickets in your ZIP code can impact your car insurance rates.
| ZIP Code | Average Cost |
|---|---|
| 36113 | $1,708 |
| 36110 | $1,712 |
| 36106 | $1,735 |
| 36119 | $1,735 |
| 36104 | $1,736 |
| 36108 | $1,746 |
| 36117 | $1,752 |
| 36115 | $1,752 |
| 36107 | $1,754 |
| 36109 | $1,763 |
Selecting the appropriate car insurance company in Montgomery AL
It can initially appear daunting, but ultimately boils down to a few key factors:
Price: Obtaining quotes from various car insurance companies is the most effective strategy to secure the most budget-friendly policy.
Coverage: Assessing how much coverage you can afford while adhering to your budget is crucial. Higher limits provide increased protection.
Customer Service: Devote time to researching company reviews, encompassing evaluations of customer service and claims satisfaction ratings.
Policygenius streamlines the process, facilitating easy comparisons to identify the right coverage at favorable rates.
Car Insurance Rates for Drivers with Driving Violations in Montgomery, AL:
A tainted driving record significantly impacts your car insurance costs.
The severity of the infraction correlates with the amount you’ll pay for coverage.
Steering clear of driving violations is key to reducing your car insurance expenses.
| Violation | USAA | Nationwide | Travelers | Cincinnati Insurance | GEICO |
|---|---|---|---|---|---|
| At-fault accident | $1,533 | $2,186 | $1,765 | $2,217 | $2,236 |
| DUI | $2,226 | $2,748 | $1,931 | $3,002 | $2,879 |
| Suspended license | $2,107 | $2,748 | $1,931 | $3,002 | $2,879 |
| Open container | $1,606 | $2,748 | $1,672 | $2,469 | $2,879 |
| Expired registration | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
| Driving without lights | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
| Running a red light | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
| Following too closely | $1,230 | $1,642 | $1,672 | $1,562 | $1,591 |
| Hit and run | $2,344 | $2,748 | $1,931 | $3,002 | $2,879 |
| Not-at-fault accident | $1,070 | $1,293 | $1,324 | $1,446 | $1,302 |
| Passing a school bus | $1,606 | $1,642 | $1,931 | $1,562 | $1,591 |
| Reckless driving | $1,606 | $2,748 | $1,931 | $2,469 | $2,879 |
| Speeding | $1,230 | $1,642 | $1,697 | $1,562 | $2,879 |
Most Affordable Car Insurance After a DUI in Montgomery, AL
| Company | Rates for DUI |
|---|---|
| Travelers | $1,931 |
| USAA | $2,226 |
| Nationwide | $2,748 |
| GEICO | $2,879 |
| Cincinnati Insurance | $3,002 |
Lowest-Cost Car Insurance After a Speeding Ticket in Montgomery, AL
| Company | Rates for Speeding Tickets |
|---|---|
| USAA | $1,230 |
| Cincinnati Insurance | $1,562 |
| Nationwide | $1,642 |
| Travelers | $1,697 |
| GEICO | $2,879 |
Most Affordable Car Insurance for Drivers with Poor Credit in Montgomery, AL
Having a less-than-ideal credit history may result in higher car insurance premiums.
Thus, it becomes crucial for drivers with unfavorable credit to explore various options and assess quotes.
The table provided outlines the five most economical car insurance companies in Montgomery for individuals with bad credit.
| Company | Rates for Poor Credit |
|---|---|
| Safeway Insurance | $1,635 |
| USAA | $1,811 |
| GEICO | $1,999 |
| Cincinnati Insurance | $2,073 |
| Nationwide | $2,097 |
Acquiring Auto Insurance in Montgomery, AL
All motorists in Alabama must possess car insurance as mandated by the state.
The minimum coverage stipulated includes:
- $25,000 for property damage liability per accident
- $25,000 for bodily injury per person/$50,000 per accident
This insurance requirement is applicable regardless of your car usage.
Even during temporary periods of non-use, Alabama mandates car insurance as long as your vehicle is registered.
Tips for Obtaining Affordable Car Insurance in Montgomery, AL
Car insurance costs can be significant, so it’s essential to explore every avenue to secure economical coverage.
- Drive Safely: Strive to maintain a clean driving record, avoiding accidents and speeding tickets to qualify for discounts as a safe driver.
- Compare Quotes: Obtain quotes from multiple providers before making a decision to ensure you secure a favorable rate.
- Explore Discounts: Certain groups, such as military members, low mileage drivers, good students, and various professional associations, may be eligible for reduced rates with specific insurance carriers.
- Bundle Policies: If you possess other insurance policies like home, condo, or boat insurance, bundling them with your car insurance from the same provider could result in significant cost savings.
Also read: Cheap Car Insurance Gainesville FL
Commonly Asked Questions
- What strategies can I use to reduce my car insurance costs in Montgomery?
To economize on your car insurance, it’s advisable to maintain a clean driving record, uphold a positive credit history, and regularly compare policies. Additionally, consider re-evaluating your coverage annually to ensure you’re not overlooking better rates.
- Is Alabama considered a no-fault state?
No, Alabama is not classified as a no-fault state. In the event of an accident, the insurance of the driver found at fault for the incident will cover the medical expenses and repair costs for the other driver.
- Is car insurance mandatory in Alabama?
Yes, car insurance is a mandatory requirement for vehicle registration in Alabama. The state sets minimum coverage amounts, including $25,000 for property damage liability per accident, $25,000 for bodily injury liability per person, and $50,000 bodily injury liability per accident.
- What is the average monthly cost of car insurance in Alabama?
On average, Alabama drivers pay around $1,728 annually for car insurance, equating to approximately $144 per month.