Cheapest car insurance in Montgomery, Alabama

Alabama requires minimum liability coverage of 25/50/25. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of Alabama →

Pulled directly from carrier rate filings for this city.

With 200,602 residents, Montgomery sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 51% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 23% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $182.76
02 TravelersFiled rate, credit/record adjusted $197.76
03 GEICOFiled rate, credit/record adjusted $217.68
04 NationwideFiled rate, credit/record adjusted $218.52
05 Country FinancialFiled rate, credit/record adjusted $251.40
06 Auto-OwnersFiled rate, credit/record adjusted $276.96
07 AllstateFiled rate, credit/record adjusted $296.04
08 ProgressiveFiled rate, credit/record adjusted $299.88
09 FarmersFiled rate, credit/record adjusted $370.32
Rate explainer
Why is your best rate $182.76 and not $209.31?

Montgomery is priced against 9 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-30.97
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, At-fault crash (modeled) +$78.47
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.