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How much is car insurance in Montgomery?
|Area||Average Monthly Car Insurance Premium|
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 rest of the country, auto insurance in Montgomery is more affordable. You can expect to pay about $18 less for your policy in Montgomery than in the rest of United States.
While these are the average monthly costs for auto insurance coverage in Montgomery, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.
We've analyzed the average rate for Montgomery and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Montgomery Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $66 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement age in Montgomery.
Montgomery Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Montgomery, where women pay around $8 less per month than men. Based on the chart above, you can see that male drivers pay $66 on average, while female drivers typically pay $58 each month.
Montgomery Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Montgomery, a driving record with one accident will usually get you a rate around $79 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.
Montgomery Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$57|
In Montgomery, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $61 per month to insure their vehicle.
The cost of auto insurance coverage for car and SUV owners in Montgomery usually comes out to about $62 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Montgomery, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Montgomery Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are 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 $23 a month.
Montgomery Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Another factor taken into consideration is your living situation. Renters can expect to pay around $10 a month more than homeowners in Montgomery. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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.
Auto insurance rates in Montgomery went up from 2017-2018, before steadying out in 2019. They finished down in 2022, at $56 a month
How does Montgomery compare to neighboring areas?
Why are car insurance rates in Montgomery different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking access
- Regional laws
- Rate of crime
- Frequency of car accidents
- Total number of drivers in the region
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. 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Montgomery.
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Montgomery Auto 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 gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Montgomery different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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?
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?
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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