Find Car Insurance in Montgomery, AL

What You Should Know About Car Insurance in Montgomery, AL

Montgomery is a southern city filled with important history about our nation and the ongoing fight for civil rights. In the 1960s, Montgomery was the location of many significant events, including the Montgomery Bus Boycott led by Dr. Martin Luther King Jr. Today, many visitors stop in Birmingham to pay homage to some of the leaders of the original fight for civil rights.

Montgomery also offers plenty of other attractions and reasons to visit, including a Shakespeare Festival, the Montgomery Museum of Fine Arts, the Hank Williams Museum, a riverfront park and a zoo. Home also to Maxwell Air Force Base, Alabama State University and Auburn University at Montgomery, the city has worked hard to revitalize its downtown and cultivate urbanization.

To drive in Montgomery, you must have liability insurance. For the best auto coverage at an affordable price in Alabama, check in with InsureOne. We offer flexible plans with white-glove service.

How Much Does Car Insurance Cost in Montgomery, Alabama?

The average cost of car insurance in Alabama is $173 per month for full coverage, and $42 per month for the basic required minimum liability. In Montgomery, minimum liability averages $36, while full coverage is around $130 per month. Nationwide, the average is $67 for minimum liability and $224 for full coverage

Montgomery residents may enjoy lower than normal rates if they have a clean driving history.

What Does it Mean if Alabama is an At-Fault State?

In an at-fault state like Alabama, the financial burden of paying for injuries and damages resulting from a wreck rests with the driver found to be at fault. Drivers are required to carry a minimum amount of liability coverage to help pay for any damage they cause. Your liability will not pay for your own injuries and damages and it will only pay up to your policy limits for the damage you cause others. Anything over that, plus your own costs, will come out of your pocket.

You can increase your coverage limits to ensure you’ll have enough if you cause a wreck. You can also add insurance options such as collision coverage, which will help you repair or replace your own vehicle – even if you are at fault. Another good option is uninsured motorist coverage, which will help you with costs if you are hit by an uninsured – or underinsured – driver.

Affordable Car Insurance Rates Comparison by Cities in Alabama

Every policyholder and every city is different, meaning you may have the exact same factors as someone else, but if you live in a different city, your rate will probably be different. That’s because location is one of the major factors insurers take into account. People who live in congested areas with lots of accidents and claims will likely pay more than someone who lives in a quieter area with fewer claims.

Take a look at this table to see how rates in Montgomery compare to other cities in Alabama.

City	Full Coverage Insurance	Liability Insurance Coverage
Montgomery	$130	$36
Athens	$119	$33
Tuscaloosa	$125	$35
Trussville	$127	$34
Saraland	$129	$36

How Bundling Your Car and Homeowners Insurance Can Save You Money in Montgomery

Insurance companies want your business and they have to compete with other insurers to get it. One way to compete is to offer the best discounts. When you insure two or more policies with the same insurer, you should get rewarded with a nice discount as a way of saying thanks.

When you are researching your insurance options, be sure and check their discount percentages to make sure you are getting the best. You can get up to 30% off your bill for combining your car insurance and home insurance.

For those who own a home and a car in Montgomery, bundling your policies with one carrier helps you future-proof your costs and your coverage – and adapts to life’s changes.

Combining your policies also reduces the paperwork load needed to deal with your insurance, on both sides. Your insurer needs to expend less resources on your policy and you’ll find it easier to pay your bills and make changes when your coverage is all together in one spot.

At InsureOne, our professional and knowledgeable agents will walk you through how we are a one-stop shop for all your insurance needs.

What Types of Car Insurance Discounts are Available in Montgomery?

Besides bundling, there are many more discounts for you to discover. Let your InsureOne agent do all the work for you and present you with several of the best options.

Discount	What It’s Worth
Good or Safe Driver	10-30%
Telematics	Up to 40%
Paid in Full	5-10%
New Car	10%
Good Student	15%

Notable Car Insurance Laws in Montgomery

Alabama State has some fun – and slightly weird – rules around driving in the state. Make sure you don’t break any of these regulations while driving in Montgomery:

• No driving blindfolded: You would think this would be obvious, but…
• No throwing confetti: Obviously, some people just don’t know how to have fun.
• No driving the wrong way down a one-way street without a lantern: A lot to unpack there.

What are the Mandatory Car Insurance Requirements in Montgomery?

As is the case for all drivers in the Heart of Dixie State, drivers in Montgomery must carry at least:

• Property Damage Liability: $25,000
• Bodily Injury Liability: $25,000 per person and $50,000 per accident

What this means is if you total someone’s brand new Tesla, your insurer is only going to give you $25,000 to repay the Tesla owner. You can see the problem since a new Tesla is easily worth twice that and more. It’s a good idea to increase your limits some to make sure you aren’t paying out of pocket. If you are sued, your assets can be seized.

What is the Penalty for Driving without Insurance in Montgomery?

Alabama does not want to foot the bill for people you hurt in a wreck – that’s why you need insurance. If you are caught driving without it, it is a Class C misdemeanor. But you won’t be getting off that easy. For a first offense, you are looking at:

• Fine: Up to $500
• Jail time: Up to three months
• Registration suspension: Up to 45 days
• Vehicle impoundment
• Reinstatement fee: $200
• SR-22 requirement: One year after reinstatement

Let’s talk for a moment about that last bullet – the SR-22 requirement. Anyone who has an SR-22 requirement can expect to see their insurance costs soar. That’s because it is a red flag to an insurance company. Keep in mind these are the punishments for a first-time offence. It only gets more expensive and restrictive from there.

What Factors Go into My Car Insurance Cost in Montgomery?

Your car insurance cost is very specific to you – you may not ever find another person with your same exact factors and the same monthly premium. Location is an important factor, but it is not the most important. It is also not the least important. The state you live in also has rules around what factors an insurer can consider before putting your information into their proprietary software, for example, some states no longer allow insurance companies to consider credit scores.

Here are examples of a few other factors:

• Age: Young and inexperienced drivers will pay the most (aside from those who have been labeled high risk) since they have no history behind the wheel. There are ways teen drivers and their parents can reduce these costs.
• Type of vehicle: Insurers like vehicles with a high safety and reliability rating that aren’t too expensive and have easily accessible repair parts and people who can work on them.
• Driving record: It’s probably the most important factor. Your record is the first thing insurers look at to determine how much to charge you. Safe drivers get the best rates.

Typical Driving Conditions in Montgomery

Driving in Montgomery is generally manageable, with moderate traffic levels outside of peak hours. Morning and evening rush hours can bring congestion, especially on major roads like I-85, I-65, and the Eastern Boulevard. Weather is a key factor—hot summers and occasional heavy rain or thunderstorms can affect visibility and road safety. Drivers should also be cautious during rare winter weather events, as ice can make roads hazardous.

Road construction and maintenance projects can cause delays from time to time. Overall, defensive driving and awareness of local traffic patterns go a long way toward a smooth experience on Montgomery’s roads.

How Many Car Accidents Happen in Montgomery Per Year?

Driving in Montgomery is usually smooth, although like everywhere, there are the unfortunate accidents. Montgomery County, which includes Montgomery, has seen an uptick in accidents with fatal outcomes.

In 2023, Montgomery County reported 38 fatalities with 6 involving alcohol and/or drugs.

CRASH CATEGORY	2023 TOTALS
Total Fatal and Injury (intersections)	7,804
Total Fatal and Injury (non-intersections)	1,821
Fatalities	38
Alcohol/Drugs	38 with 6 fatalities

How Many Uninsured/Underinsured Motorists are in Montgomery?

Look around you while driving in Montgomery – of every five drivers you see, one is uninsured. At least, that is what the statistics show, with Alabama having 19.5% of drivers without insurance in 2022. Although uninsured motorist coverage is not required, it is recommended. For a small amount, usually about 5% of your premium, you can add this protection that kicks in if an uninsured – or underinsured – driver causes a wreck.

The importance of adding uninsured motorist coverage to your policy cannot be overstated. Call your neighborhood agent to add it to your policy.