Montgomery, TX Car Insurance

Montgomery drivers pay, on average, around $61 a month for their car insurance. Read our guide below to learn more about your specific rates.
What should residents of Montgomery expect to pay for their car insurance? How does Montgomery compare to the surrounding area and the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Montgomery?

Area Average Monthly Car Insurance Premium
Montgomery$61
TX$64
United States$80

According to the chart above, the rates you'll pay for coverage in Montgomery are about the same as what you would pay anywhere else in Texas.

When stacked up against the national average, the average monthly policy payment for Montgomery is more affordable. You can expect to pay about $19 less for your policy in Montgomery than in the rest of United States.

While these are the average costs to insure your vehicle in Montgomery, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Montgomery residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$112
25-34$57
35-44$56
45-54Not Enough Data
55-64$42
65+$47

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may start to rise again in Montgomery.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$57

On average, female drivers pay slightly less than male drivers for car insurance. The difference in Montgomery is around $8 per month. As illustrated in the table above, female drivers in the area pay about $57 on average, while male drivers pay around $65 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$89
1 Ticket$77
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Montgomery with a single accident will pay around $78 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $77.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$54
4-5 Years$55
6-7 Years$55
8-10 Years$65
11-14 Years$67
15 Years or Older$58

As you can see in the first table above, the cheapest vehicles to insure in Montgomery are by and large cars, which run about $60 per month.

SUV owners, on the other hand, typically pay around $61 a month, while truck and van drivers can expect to pay about $63 per month to insure their vehicle.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Montgomery, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$69
Married$49
Divorced$56
Widowed$56

More often than not, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Montgomery can be as much as $20 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$62
Live with parents$102

Another factor taken into consideration is your living accommodations. Homeowners in Montgomery can expect to pay around $12 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Montgomery, TX

Recent trends in car insurance for Montgomery drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The cost of car insurance in Montgomery rose from 2016-2018, before steadying out in 2019. Rates finished up in 2021, at $64 a month

How does Montgomery compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Number of drivers in the community
  • Regional regulations
  • Rate of car accidents
  • Crime rates
  • Off-street parking availability

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Montgomery?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing plans in Montgomery.

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Montgomery Insurance FAQs

What factors affect car insurance quotes in Montgomery?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Montgomery or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes