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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: John Coletti/Getty Images February 17, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Bankrate logo

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. For drivers in Montgomery, Alabama, the average annual cost of car insurance is typically lower than the national average rate. Drivers in Montgomery pay, on average, $519 per year for minimum coverage and an average of $1,642 per year for full coverage. Nationwide, drivers pay, on average, $1,674 per year for full coverage insurance and $565 per year on average for minimum coverage insurance. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT

Rates increased up to 12% this year

Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More If you are in the market for cheap auto insurance in Montgomery, you might be able to find an even lower rate than the average. Bankrate reviewed Quadrant Information Services premium data for some of the top insurance companies to identify the providers that offer the most affordable car insurance premiums in Montgomery. We also analyzed coverage options, discounts offered and customer service ratings to help drivers find the best cheap insurance in Montgomery.

Best car insurance companies in Montgomery

Based on our research, the in Montgomery are Geico, Farmers, Country Financial and State Farm. These four providers offer some of the most affordable premiums and include an array of coverage options and discounts. Insurance company
(Southeast region) Average annual premium for minimum coverage Average annual premium for full coverage 843/1,000 $376 $1,418 818/1,000 $450 $1,489 N/A $467 $1,810 859/1,000 $550 $1,539 Quadrant Information Services, 2020

Geico

Geico offers Montgomery drivers the ability to save on annual premiums while offering high overall customer satisfaction. Geico is a subsidiary of Berkshire Hathaway and is the of private passenger vehicles in the United States. In addition to already low premiums, the company has no shortage of , with savings for military members, good students and federal employees. You may also get a discount for having safety features like airbags installed on your vehicle, being claims free and insuring more than one vehicle. Read more:

Farmers

Farmers is a large national carrier offering and policy discounts. Customers looking for digital tools might be pleased to know that the mobile app makes policy management easy and accessible. Although Farmers did score below the industry average for the Southeast region in the , the company received a roughly average complaint index score from the National Association of Insurance Commissioners (NAIC). A score of 1.00 indicates a baseline level of complaints. Farmers’ private passenger auto insurance product received a . Read more:

Country Financial

Country Financial operates in across the country, including Alabama. It offers a few options to customize your auto insurance policy, such as emergency roadside service coverage and safety glass coverage. While the with Country Financial are fairly standard, the company does offer a wide range of discounts to help policyholders lower their premiums. You may earn a discount for bundling your policies, getting engaged and driving safely. One of the most unique discounts is Country Financial’s occupation discount — K-12 teachers, firefighters, police officers, paramedics and EMTs could save on their car insurance. Read more:

State Farm

State Farm is the in the United States. State Farm offers specialty coverage options such as rideshare coverage and gap insurance to allow policyholders to create an auto insurance policy tailored to their needs. Discounts such as the Drive Safe & Save program offer , and bundling your policies could save you up to 17%. State Farm is the only provider on our list that scored above average for overall customer satisfaction in the Southeast region from . In addition, its private passenger insurance product receives fewer complaints than average, according to the NAIC, . Read more: State Farm Insurance review

Cheapest car insurance in Montgomery

On average, car insurance costs $1,674 per year for full coverage insurance and $565 per year for minimum coverage insurance nationwide. Alabama residents pay slightly less than the national average, with annual rates of $469 for minimum coverage and $1,623 for full coverage. The average in Montgomery is slightly higher than it is in Alabama, at $519 annually for minimum coverage and $1,642 annually for full coverage. Bankrate analyzed the average premiums for the largest insurance providers by market share in the Montgomery area to find the best . Along with average premiums, factors such as financial stability, customer service ratings, coverage options and available discounts were all reviewed. These providers typically offer the cheapest rates on average: Insurance company Average annual premium for minimum coverage Average annual premium for full coverage $376 $1,418 $394 $1,244 $420 $1,113 $438 $1,254 $450 $1,489 Although price is a factor when shopping for car insurance, it is not the only consideration. You may also want to review a company’s customer service reviews, coverage and discount options and financial stability before choosing a provider.

Montgomery insurance requirements

Alabama requires that drivers carry at least a . Because Alabama is a fault state, drivers are not required to carry no fault insurance. The state minimum levels of required insurance coverage are: $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident However, insurance professionals recommended that you purchase higher liability limits if you can afford to. If you carry minimum levels of liability insurance and you cause an accident, you could be left with out-of-pocket expenses. You may also want to consider full coverage car insurance to provide coverage for damage to your own vehicle. If you lease or finance your car, your lender will usually require you to carry comprehensive and . Alabama ranks sixth in the country for , with just over 18% of drivers estimated to be uninsured. Adding to your policy may be a good idea. This coverage will help to pay for your medical bills and property damage, up to your policy limits, if you are hit by an uninsured driver. Insurance companies in Alabama are required to offer a minimum of 25/50 uninsured motorist coverage, but you do have the option to reject the coverage in writing.

Car insurance discounts in Montgomery

While Montgomery drivers pay about the same amount for car insurance as average drivers in the United States, discounts can still help you lower your car insurance premiums. Most offer discounts to policyholders. Some common discounts in Montgomery include: Safe driving discount: If you are willing to use an app or plug-in device to track your driving habits, then you could save money for being a safe driver. Good student: If you are a student or if you insure a student on your policy who gets good grades, your insurance company may reward you by applying a discount to your policy. Safety equipment features: Carriers often provide discounts if your car has safety features such as airbags, an anti-theft system or anti-lock brakes. Paperless discount: Several carriers offer a discount for choosing electronic statements instead of paper versions. Every insurance company offers its own selection of discounts. Check with your company to make sure you are taking advantage of as many as possible.

Frequently asked questions

What is the best car insurance company

The for you may be different from a friend or family member’s best company, since everyone has a unique situation that they bring to auto insurance. However, examining factors for each carrier such as digital tools, customer service ratings, average premiums and financial stability may help you narrow down your choices. A good practice is to obtain quotes from several insurance companies and compare them.

How much car insurance do I need in Montgomery

Drivers in Montgomery, AL, must carry at least 25/50/25 for personal liability insurance. However, insurance agents often recommend that drivers purchase more coverage than what is required. That’s because, if you cause an accident and the other driver’s losses exceed your liability policy limit, you may have to pay the difference out-of-pocket. You might also consider purchasing a full coverage policy, which includes physical damage coverage for your vehicle, which works as an additional layer of protection.

What factors impact car insurance rates in Montgomery

Car insurance rates are personalized for every driver based on numerous factors. You might pay more or less than the average rate in the city based on factors like your ZIP code, age, credit score, claim history and driving record. In addition, the types of insurance you purchase, your deductibles, optional coverages and your coverage limits will also impact your premium.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should be used for comparative purposes only. Your quotes may be different. SHARE: Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.

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