Compare the Cheapest Car Insurance Quotes in Montgomery, AL

While the cheapest car indemnity for you might vary depending on your profile and driving history, Allstate does offer the cheapest full moon coverage car insurance in Montgomery for most drivers, including those with accelerate tickets. GEICO is cheapest for a state minimum policy although USAA may be the most low-cost for those in the military. Auto-Owners ranks highest in Montgomery for quality service and affordability .iconribbon best car policy Montgomery

2022

The Cheapest and Best Car Insurance in Montgomery

The Cheapest Car Insurance Companies in Montgomery

For a full coverage policy, the cheapest car insurance companies in Montgomery are :

  • Allstate: $781 per year
  • GEICO: $820 per year

At $ 642 annual, USAA has the cheapest rates for full coverage in Montgomery, but lone military members and their immediate families qualify for insurance with this company. Compared to Allstate, the cheapest, wide available option, Nationwide is equitable over 116 % more expensive with a agio of $ 1,689 per year. A fully coverage policy includes both comprehensive and collision coverage. annual rates for policies will vary depending on how much indebtedness indemnity you select .

Cheapest Car Insurance in Montgomery

Full Coverage 100/300/100 These rates are based on a sample 40-year-old male driver in Montgomery with a full coverage policy, as set out in MoneyGeek ’ s methodology. In Montgomery, wax coverage policies add comprehensive and collision coverage to your minimum indebtedness coverage to cover you for damages to your car .

  • Comprehensive coverage: insures you against risks such as vandalism, theft and weather-related damages.
  • Collision coverage: covers you if you are in a collision with another vehicle or object.

If you have an older car, you may want to consider a liability-only policy since the cost of broad coverage may be higher than the substitute value of your car .

Compare Car Insurance Rates in Montgomery

guarantee you ‘re getting the best rate for your car insurance. Compare quotes from the circus tent insurance companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Montgomery for Minimum Coverage

careless of where in the U.S. you live, the amount of coverage you buy will affect your insurance rates. A car insurance policy meeting merely the department of state minimum liability-only requirements costs an average of $ 595 annually in Montgomery. In contrast, a fully coverage policy with higher liability limits costs an average of $ 1,181 per class. That ’ s a difference of $ 586 .

Cheapest Minimum Liability Car Insurance in Montgomery

country Minimum

  • company State Minimum

    per year

  • 1 .USAA

    $299

  • 2 .GEICO

    $379

  • 3 .Allstate

    $455

  • 4 .Country Financial

    $490

  • 5 .Travelers

    $566

  • 6 .Nationwide

    $567

  • 7 .State Farm

    $571

  • 8 .Farmers

    $600

  • 9 .Progressive

    $636

  • 10. ALFA

    $655

  • 11 .MetLife

    $1,036

The cheapest cable car policy policy you can buy in Montgomery is a state minimum 25/50/25 policy. State minimum coverage offers the least protection as it only provides the minimum liability coverage required by Alabama. This means your premiums will be lower, but you risk higher out-of-pocket costs if you ’ re in an accident. For exercise, if your property damage limit is $ 25,000 and you cause an accident where the property damage is $ 35,000, the balance of $ 10,000 is your duty to pay .

Alabama Minimum Liability Requirements

  • detail description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for place price. A more protective degree is 100/300/100 .

Cheapest Car Insurance in Montgomery if You Have Driving Violations

Driving violations, such as tickets, DUIs and at-fault accidents, will about always increase your cable car insurance premiums in Montgomery. The cheapest insurers for Montgomery drivers with violations are :

  • Cheapest after a ticket: Allstate, $870 per year
  • Cheapest after an at-fault accident: Allstate, $1,084 per year
  • Cheapest after a DUI: Allstate, $1,053 per year

If you ’ re a penis of the military and get a speed ticket or an at-fault violation, USAA offers the cheapest rates at $ 714 per class and $ 893 per year, respectively. You can reduce your indemnity premiums by gradually improving your drive record. In the interim, you should compare quotes from different insurers to find the cheapest car indemnity for drivers with bad records .

Cheapest Car Insurance in Montgomery With a Violation

Speeding slate

  • company Speeding Ticket

    per year

  • 1 .USAA

    $714

  • 2 .Allstate

    $870

  • 3 .GEICO

    $979

  • 4 .State Farm

    $1,243

  • 5 .Country Financial

    $1,260

  • 6 .Farmers

    $1,414

  • 7 .Travelers

    $1,417

  • 8. ALFA

    $1,547

  • 9 .Progressive

    $1,747

  • 10 .Nationwide

    $1,792

  • 11 .MetLife

    $2,089

Average Cost of Car Insurance in Montgomery

Montgomery

$1,181

Alabama

$1,221

U.S.

$1,424

Montgomery drivers pay an average annual car policy rate of $ 1,181, which is lower than both the state and national averages. In comparison, the city ’ sulfur average annual agio is 3.3 % lower than the $ 1,221 state average and 17.1 % lower than the median annual pace in the United States.

Personalized Quotes to Get You the Cheapest Car Insurance in Montgomery

car indemnity companies in Montgomery calculate quotes based on the risks related to a driver. These may include their age, sex, vehicle type, driving history and recognition score. Any changes in personal circumstances will affect the annual agio rate. therefore, it is best to regularly comparison personalized quotes to see if you qualify for diverse incentives, rebates and discounts .

Compare Car Insurance Rates in Montgomery

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The Best Car Insurance Companies in Montgomery

If you are looking for the best libra of quality customer service and affordability, MoneyGeek ranked the best insurers in Montgomery. The best car insurance companies in Montgomery for most drivers are :

  • Auto-Owners: MoneyGeek score of 90 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

USAA scored the highest among insurers in Montgomery but since the company entirely insures drivers who are members of the military and their families, we excluded it from our list. MoneyGeek ranked these car indemnity companies using several factors, such as insurance company fiscal stability, customer gratification and affordability. We used multiple resources to perform this study, including findings by data analytics and consumer intelligence company J. D. Power .
1

USAA

grudge :

95

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 2

Auto-Owners Insurance Co

seduce :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 3

ALFA

score :

87.5

4/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A fiscal Stability

4

GEICO

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 5

State Farm

score :

82.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 6

Nationwide

seduce :

80

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7

Travelers

score :

80

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 8

Progressive

score :

77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9

Safeco

grudge :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 10

Allstate

mark :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 11

Liberty Mutual

mark :

75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 12

MetLife

score :

75

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 13

National General

score :

72.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability

Average Cost of Car Insurance by Postal Code

A driver ’ sulfur ZIP code will besides impact the price of car insurance. For example, Montgomery ’ second average cable car indemnity premium based on ZIP code ranges from $ 1,176 to $ 1,187. The most low-cost neighborhood for car policy is 36117. Drivers in the sphere pay $ 11 less than those residing in 36116 .

  • Zip Code State Minimum

    per year

  • 36117

    $1,176

  • 36116

    $1,187

Factors That Impact Insurance Costs in Montgomery

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the pace of fateful accidents besides contribute to cable car insurance rates in Montgomery. How montgomery ranks compared to the 300 most populous cities in the United States can have a significant impingement on premium costs .accident2 icon Most Accidents With Fatalities

46th

/ 300handcuffs2 icon Most car Thefts

196th

/ 300uninsured icon Most uninsured Motorists by State

6th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

27th

/ 300umbrella icon Most showery Days

137th

/ 300

Methodology and Assumptions

MoneyGeek ’ sulfur modal premium rates for Montgomery are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, localization and drive record. Learn more about MoneyGeek ’ second data and methodology here. About the generator

expert-profileexpert-profile Mark Fitzpatrick is a aged subject director with MoneyGeek specializing in policy. Mark has years of experience analyzing the policy market and creating original research and message. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

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