Montgomery, TX Car Insurance

Residents of Montgomery pay around $62 monthly for their car insurance coverage. For more information refer to our guide below.
How do rates in Montgomery measure up compared to neighboring areas, including Texas as a whole? How much can residents of Montgomery expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Montgomery?

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

Looking at the chart above, you can see that the average monthly price in Montgomery is in line with pricing for the rest of Texas.

Similarly, the expected monthly payments for an auto insurance policy in Montgomery are below the national average. The average monthly payment in Montgomery is about $19 cheaper than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Montgomery, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down the average rates for Montgomery to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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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$55
55-64$43
65+$47

The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $68 more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up a bit in Montgomery.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$58

Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Montgomery, where women pay around $10 less per month than men. As you can see in the table above, male drivers in the area typically pay $68 on average, while female drivers typically pay $58 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$79
Multiple Accidents$86
1 Ticket$72
Multiple Tickets$58

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Montgomery with a single accident on their record will usually see rates around $79 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $72.

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

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$67
15 Years or Older$58

If you look at the first table above, the cheapest vehicles to insure in Montgomery are typically SUVs, at $61 per month.

Truck and van drivers will see rates of about $64, while the rates for SUV owners average out to about $61 a month.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Montgomery are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

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

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Montgomery as well, where the difference is around $21 a month.

Average Car Insurance Rates by Housing Situation

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

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $13 a month more than homeowners in Montgomery. 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 average premiums, depending on your insurance company.

Car Insurance Companies in Montgomery, TX

Recent trends in car insurance for Montgomery drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

The rates for auto insurance in Montgomery went up from 2017-2018, before leveling out in 2019. They finished down in 2022, at $55 per 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 coverage, car insurance companies will review many factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Rate of car accidents
  • Crime
  • Laws
  • Off-street parking access
  • Number of drivers in the area

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

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.

But wait! Compare.com does all of that work for you. Put in 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 plans in Montgomery.

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Montgomery Insurance FAQs

What factors affect car insurance quotes in Montgomery?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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 by using sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Montgomery or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes