Montgomery, AL Car Insurance

On average, Montgomery drivers pay a monthly average rate of around $62 for their car insurance. To learn more about car insurance rates in the Montgomery area, read our guide below.
Compared to their surrounding area, how do rates in Montgomery stack up? What about against the rest of Texas? What rates can residents of Montgomery expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Montgomery?

Area Average Monthly Car Insurance Premium
Montgomery$62
TX$65
United States$81

As you can see in the chart above, car insurance rates in Montgomery are slightly less expensive than the rest of Texas.

Compared to the national average cost of auto insurance coverage, Montgomery has lower rates. Car insurance rates for the U.S. as a whole are, on average, $19 more expensive than the rates you'd pay in Montgomery.

Bear in mind that while these rates represent the expected monthly payments for residents of Montgomery, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Montgomery so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$115
25-34$61
35-44$56
45-54$56
55-64$43
65+$47

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $68 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Montgomery may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$58

In general, women pay slightly less for car insurance than men. This is true in Montgomery, where women pay around $10 less a month. As illustrated in the table above, female drivers in the area pay about $58 on average, while male drivers pay around $68 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$79
Multiple Accidents$86
1 Ticket$73
Multiple Tickets$58

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. In Montgomery, drivers with one accident on their record will experience rates around $79 a month. In addition, drivers with one ticket can expect to pay around $73 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$65
4-5 Years$53
6-7 Years$55
8-10 Years$68
11-14 Years$68
15 Years or Older$58

The most affordable vehicles to insure in Montgomery are by and large SUVs and cars, which run about $62 per month.

Truck and van drivers will see rates of about $64, while the rates for SUV owners average out to about $62 per month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Montgomery, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Overall, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Montgomery, for example, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$70
Married$49
Divorced$56
Widowed$56

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Montgomery is no exception, with the difference totaling to around $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$64
Live with parents$101

One other element taken into consideration is your living accommodations. In Montgomery, homeowners can expect to pay around $13 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Montgomery, TX

Recent trends in car insurance for Montgomery drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of insurance in Montgomery had been increasing from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $54 a month

How does Montgomery compare to neighboring areas?

Why are car insurance rates in Montgomery different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for coverage. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Rate of car accidents
  • Crime rates
  • Local laws
  • Amount of off-street parking
  • Number of drivers in the area

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Montgomery?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Montgomery.

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Montgomery Insurance FAQs

What factors affect car insurance quotes in Montgomery?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Montgomery different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Montgomery?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Montgomery?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Montgomery or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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