Cheap Car Insurance in Montgomery, AL
Everything You Need to Know About Auto Insurance in Alabama
Alabama’s capital city is a perfect balance of the past and future, combining rolling hills, picturesque rivers, and a historic downtown area with revitalized neighborhoods and bustling business activity. Montgomery is home to affordable housing, a thriving arts scene, miles of usable green space, and walkable neighborhoods. Still, residents find car ownership necessary, and getting behind the wheel in Montgomery requires an active Alabama car insurance policy.
When choosing the right level of auto insurance coverage in Montgomery, it’s essential to remember unique factors about the city’s busy streets and equally busy drivers. While improvements are underway, congestion is an issue, causing the average driver to spend 26 hours each year stuck in traffic. Perhaps these congestion delays are the reason so many drivers run red lights. To address the problem, Montgomery officials have installed cameras at many of the city’s busiest intersections.
How Much Does Car Insurance Cost in Montgomery, Alabama?
Montgomery residents pay an average monthly premium of $38 for the minimum state-required liability coverage and around $133 for full coverage. This is less than the Alabama state averages of $41 for liability and $173 monthly for full coverage and notably more affordable than the national averages of $67/month for liability and $223/month for full coverage.
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What Does Full vs. Minimum Coverage Mean?
Minimum liability coverage is refreshingly affordable in Montgomery, making it an attractive option for motorists. However, it may not be the best option for several reasons.
Minimum coverage is the state requirement for the least amount of insurance a driver can have to drive legally. Minimum coverage in Alabama only requires liability, which only pays for bodily injury and damage to others at a maximum of $75,000 per accident. In other words, it doesn’t cover your own medical costs or damage to your vehicle.
Full coverage includes collision, comprehensive, and liability coverage. Collision car insurance pays for repairing or replacing your vehicle up to the limits of your policy after a collision. Comprehensive coverage pays for repairs to your car after it’s been damaged in a non-collision accident (like a fallen tree branch or hitting a large animal). While full coverage isn’t required in Alabama, your lender will likely require it for as long as you’re making payments on the vehicle.
Affordable Car Insurance Rates Comparison by Cities in Alabama
Insurance costs can vary from one city to the next based on factors like claim frequency, theft, and road conditions. Check out our comparison of insurance premiums paid in these Alabama cities.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Montgomery | $133 | $38 |
| Huntsville | $122 | $36 |
| Prattville | $125 | $35 |
| Birmingham | $142 | $39 |
| Mobile | $138 | $40 |
Affordable Montgomery Car Insurance Rates by Zip Code
Where you live in Montgomery can affect your insurance rates. Even within the same city, different zip codes will have potentially different rates. This is because different zip codes may have different statistics regarding collisions, car thefts, driving hazards, and other considerations that underwriters must consider.
The chart below will help you compare costs for different zip codes in and around Montgomery.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 36106 | $128 | $37 |
| 36108 | $128 | $36 |
| 36109 | $129 | $38 |
| 36110 | $128 | $37 |
| 36111 | $131 | $38 |
| 36116 | $133 | $38 |
| 36117 | $131 | $38 |
Low-Cost Car Insurance Rates by Age in Montgomery
Age is a heavy deciding factor in insurance rates. Younger drivers generally see higher rates to reflect the risks related to a lack of driving experience. Rates also creep up for older drivers to account for slower reaction time and other age-related factors like poor vision.
Consult the chart below to see the average monthly premiums paid by Montgomery residents by age.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $461 | $155 |
| 20s | $185 | $56 |
| 30s | $131 | $38 |
| 40s | $123 | $36 |
| 50s | $117 | $35 |
| 60s | $116 | $36 |
| 70s | $138 | $45 |
*Data is based on averages for each age group and calculates costs for the state-mandated liability insurance coverage and typical full coverage options.
Driving Conditions in Montgomery
Driving conditions impact the frequency of severe accidents, claim amounts, and other factors that affect insurance rates. Learning about accident frequency and current road conditions can help you better prepare for auto insurance costs.
How Many Fatal Accidents Happen in Montgomery?
In 2023, 38 fatal crashes occurred in Montgomery. Six of these accidents involved alcohol or drug use.
How Are the Road Infrastructure and Bridges in Montgomery?
There are 550 miles of country roads and 200 bridges in Montgomery. While Alabama roads are improving, there are still many roads that need repair. State and federal funds have been used to successfully repave over 59 miles of roadway in Montgomery in 2024. Other projects address congestion by widening over 3 miles of I-65 and widening a total of 14 bridges. Federal funds have been slotted to improve an additional 34 roads in Montgomery.
These improvements vastly improve road conditions for residents. However, while in progress, road construction can cause delays and increase risks.
Minimum Car Insurance Requirements in Montgomery
Practically every state in the US requires drivers to have minimum insurance coverage to pay for injuries and property damage caused in an accident. Alabama is no exception. Failure to have sufficient liability insurance will result in penalties.
Mongomery drivers are required to have the following minimum liability insurance coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
What Are the Penalties for Driving Without Insurance in Montgomery, Alabama?
Driving without car insurance in Alabama is illegal. The minimum required liability coverage helps protect drivers you may injure in a car accident. It also protects you from suddenly being obligated to pay fully out-of-pocket for the other party’s injuries and losses.
Motorists convicted of a mandatory liability insurance violation may be fined and face vehicle registration suspension as follows.
- First violation: Up to $500 fine and vehicle registration suspension with a $200 reinstatement fee
- Second and subsequent violations: Up to $1,000 fine and/or six-month driver’s license suspension and vehicle registration suspension with a $400 reinstatement fee
- Drivers will need to provide proof of current insurance to reinstate the vehicle registration.
In addition to fines and penalties, driving without insurance in Alabama can cause you to be classified as a high-risk driver, leading to higher insurance premiums for up to three years following conviction.
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Factors Allowed in Montgomery Car Insurance Rates
Auto insurance underwriters use several different factors to determine the rates you pay. This is because different factors can increase or decrease your statistical likelihood of being in an accident or needing to make a claim, and that can make you a higher or lower risk to insure.
You can expect your insurance rates to vary based on the following factors.
- Age
- Gender
- Marital status
- Driving record
- Location
- Education
Certain factors about your policy will also affect your insurance rates, including your deductible amount and your coverage amount.
Here’s What You Need to Know When Driving in Alabama
Over 14% of Alabama drivers (or one in seven) are uninsured. If you’re in an accident with an at-fault driver who doesn’t have insurance, you may not get compensation for your injuries or property damage. While you can file a lawsuit, the defendant may not have the funds to pay.
Adding uninsured motorist coverage to your policy is the best way to ensure you’ll be protected in an accident caused by an uninsured driver or one who flees the scene. When you have uninsured motorist coverage, you can file a claim with your insurance provider following an accident. After you file your deductible, your policy will pay for injuries and damage up to the limits of your policy.
What Are the Best Discounts for Car Insurance in Montgomery, AL?
Car insurance discounts can help you reduce your monthly premiums. Checking with your insurer annually will help you take advantage of any discounts you may be eligible for.
Some of the most common discounts used by Montgomery drivers include:
Any time you make lifestyle changes, it’s a good idea to schedule a consultation with your insurance provider to learn about available discounts and ways you can reduce your insurance rates.
Get an Online Quote for Car Insurance in Montgomery Today!
As a Montgomery motorist, you’re legally required to have an active insurance policy. Adequate coverage is also the best way to protect yourself against substantial financial burdens if you’re involved in an accident. Whether you’re interested in meeting Alabama’s state minimum liability requirements or seeking full coverage, Freeway Insurance is ready to help you explore your options. Get started today by requesting a quote online, call us at 800-770-5620, or find an office near you.