Best Montgomery, AL Auto Insurance in 2024 (Top 10 Companies Ranked)
The best Montgomery, AL auto insurance options come from State Farm, Erie, and Progressive, with rates starting at just $65 a month. Drivers in Montgomery choose these companies because of their reasonable costs, excellent customer support, and simple claims procedure.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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13,128 reviewsState Farm, Erie, and Progressive are the top vehicle insurance companies for the best Montgomery, Alabama, auto insurance.
Their competitive monthly prices start at just $65, and they excel not just in pricing but also in customer service and claims management. Drivers in Montgomery can save a lot of money by comparing rates based on variables like credit score and driving history.
Our Top 10 Company Picks: Best Montgomery, AL Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 25% | A+ | Filing Claims | Erie |
 | #3 | 10% | A+ | UBI Discount | Progressive |
 | #4 | 25% | A+ | Extensive Coverage | Allstate |
 | #5 | 20% | A+ | Strong Reputation | Nationwide |
 | #6 | 15% | A | Flexible Options | Safeco |
 | #7 | 13% | A++ | Claims Service | Travelers |
 | #8 | 20% | A | Local Agents | Farmers |
 | #9 | 25% | A | Family Coverage | American Family |
 | #10 | 25% | A++ | Affordable Rates | Geico |
For a better understanding, explore our AL auto insurance in more detail. Use the free quotation form above to enter your ZIP code and get the best auto insurance provider in your area.
- State Farm is the best Montgomery, AL auto insurance choice, with rates from $65
- Erie and Progressive excel in customer service for Montgomery drivers
- Driving history and credit score greatly affect rates for Montgomery auto insurance
#1 – State Farm: Top Overall Pick
Pros
- Availability Of Local Agents: State Farm will offer auto insurance coverage to Montgomery, Alabama, through local agents that will afford a client personalized face-to-face service.
- Variety Of Coverage Options: Montgomery motorists can choose from several coverage options, including comprehensive and liability auto insurance.
- Affordable Monthly Premiums: State Farm has affordable monthly premiums for Montgomery auto insurance. Check a State Farm auto insurance review to see if it fits your budget.
Cons
- Lower Bundling Discount: State Farm is the most inferior insurer in Montgomery, Alabama, providing a pathetic 17% bundling discount.
- Few UBI Programs: For most Montgomery drivers, Progressive UBI choices could be more lucrative than State Farm offers.
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#2 – Erie: Best for Filing Claims
Pros
- High Claim Satisfaction: With Erie, Montgomery drivers have high claims satisfaction. Thus, it is simple and efficient to follow up on a claim.
- Generous Bundling Discount: In Montgomery, Alabama, customers can receive up to 25% savings through bundling home and car insurance in Montgomery.
- Excellent Coverage For Young Drivers: In Montgomery, Alabama, Erie offers discounts for young drivers. Be sure to check out an Erie auto insurance review to see how you can save.
Cons
- Limited Availability: Erie Insurance is less widely available in Montgomery, Alabama, than national brands.
- No UBI Discount: Unlike Progressive, Erie does not offer a UBI discount for Montgomery drivers who want savings based on driving habits.
#3 – Progressive: Best for Usage-Based Insurance Discounts
Pros
- UBI Discount With Snapshot®: Montgomery drivers can save on car insurance in Montgomery with Progressive’s Snapshot® UBI program.
- Flexible Payment Options: For car insurance in Montgomery, AL, a Progressive auto insurance review shows they offer flexible payment plans, making it easier to manage your budget.
- Competitive Rates For High-Risk Drivers: Montgomery drivers with a high-risk status may find competitive rates with Progressive.
Cons
- Lower Bundling Discount: Progressive’s 10% discount is lower than other Montgomery, Alabama, insurance providers.
- Mixed Customer Service Reviews: Some Montgomery drivers report inconsistent customer service with Progressive.
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#4 – Allstate: Best for Extensive Coverage
Pros
- Ample Coverage Choices: Allstate offers ample coverage for a car insurance plan in Montgomery, Alabama. Accident forgiveness is one of the covers.
- High Bundling Discount: Allstate can save you up to 25 percent on your car and home insurance in Montgomery.
- Strong financial strength: Allstate’s A+ rating gives Montgomery, AL drivers excellent financial strength.
Cons
- Higher Monthly Rates: Allstate’s rates are generally higher than those of other Montgomery, Alabama, insurance providers.
- Potential For High Deductibles: Montgomery drivers may face higher deductibles with some of Allstate’s plans. Uncover more about our Allstate auto insurance review by reading further.
#5 – Nationwide: Best for Strong Reputation
Pros
- Strong Reputation And Financial Backing: Nationwide’s A+ rating offers Montgomery, Alabama drivers peace of mind with a strong reputation.
- Vanishing Deductible® Program: Montgomery drivers can benefit from Nationwide’s Vanishing Deductible® for every year of safe driving.
- Generous 20% Bundling Discount: Montgomery drivers can save 20% on car and home insurance in Montgomery by bundling policies with Nationwide.
Cons
- Limited Local Agent Presence: Some Montgomery drivers may find Nationwide’s local agent availability limited. Look at our Nationwide auto insurance review for expanded insights.
- Higher Premiums For Younger Drivers: Nationwide’s premiums may be higher for younger drivers in Montgomery, Alabama.
#6 – Safeco: Best for Flexible Options
Pros
- Variety Of Coverages: Safeco offers a wide variety of coverage to Montgomery drivers, including accident forgiveness. Dive into our Safeco auto insurance review to gain a deeper insight.
- Family Coverage At An Affordable Rate: Safeco covers families with several cars under one roof in Montgomery, Alabama, at very competitive rates.
- Good Customer Service: The customer service at Safeco is good in Montgomery, making the whole process of claiming insurance relatively smoother for Montgomery drivers.
Cons
- Less Bundling Discount: The 15% bundling discount offered by Safeco is less competitive than other Montgomery, Alabama, insurance providers.
- Less Good For High-Risk Drivers: High-risk drivers of Montgomery could find better deals from other Montgomery, Alabama insurers like Progressive.
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#7 – Travelers: Best for Claims Service
Pros
- Excellent Claims Service: Travelers provides Montgomery drivers with highly-rated claims service for easy and fast resolutions.
- Comprehensive Coverage Options: Travelers offers Montgomery, Alabama motorists various alternative options in wide coverage, such as liability and comprehensive car insurance for Montgomery.
- Financial Solid Backing: With an A++ rating, Travelers ensures financial stability for Montgomery, Alabama, insurance customers.
Cons
- Lower Bundling Discount: Travelers’ 13% bundling discount is lower than other Montgomery, Alabama insurance providers. Be sure to check out a Travelers auto insurance review for more insights.
- Higher Premiums For Some Drivers: Some Montgomery drivers may find Travelers’ rates higher than other car insurance in Montgomery, AL.
#8 – Farmers: Best for Local Agents
Pros
- Local Agents For Personal Service: Farmers offers Montgomery, Alabama, insurance through local agents who provide personalized support to drivers.
- Substantial Bundling Discount: Farmers provide Montgomery drivers up to a 20% discount on bundled car and home insurance in Montgomery.
- Customizable Coverage Options: Farmers allow Montgomery drivers to customize car insurance in Montgomery to fit their specific coverage needs.
Cons
- Higher Rates For Some Coverages: Farmers may charge higher premiums for certain types of car insurance in Montgomery, Alabama.
- Limited Digital Tools: Farmers have fewer digital tools than other Montgomery, Alabama, insurance providers. Be sure to check out a Farmers auto insurance review for expanded insights.
#9 – American Family: Best for Family Coverage
Pros
- Family-Oriented Coverage Options: American Family offers Montgomery, Alabama drivers discounts tailored for families and young drivers.
- Generous Bundling Discount: The American Family auto insurance review notes that Montgomery drivers can save 25% by bundling their car and home insurance; it is definitely worth a look!
- Excellent Customer Service Reputation: American Family is known for providing excellent customer service for Montgomery, Alabama, insurance.
Cons
- Limited Availability Of Local Agents: American Family has fewer local agents in Montgomery, AL, than other Montgomery drivers’ options.
- Higher Premiums For High-Risk Drivers: Some Montgomery drivers may find American Family’s car insurance rates higher than other Montgomery, Alabama providers.
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#10 – Geico: Best for Affordable Rates
Pros
- Affordable Rates For Most Drivers: Geico offers Montgomery drivers some of the lowest rates for car insurance in Montgomery, Alabama.
- Generous Bundling Discount: Geico provides a 25% discount for Montgomery drivers bundling car and home insurance in Montgomery.
- Financial Solid Stability: Geico’s A++ rating offers financial security for Montgomery, Alabama drivers. Explore our Geico auto insurance review for more insights.
Cons
- Limited Local Agent Support: Geico has fewer local agents, which may not appeal to Montgomery drivers who prefer in-person service for car insurance in Montgomery, AL.
- Fewer Coverage Customization Options: Geico offers fewer coverage customization options for Montgomery, Alabama drivers than other providers.
Auto Insurance Coverage Requirements in Alabama
To drive in Alabama, one needs to have minimum amounts of auto insurance. This would be $25,000 for bodily injury per person, $50,000 for an accident in liability, and $25,000 for property damage in the same collision. Quotations on Montgomery, Alabama, car insurance are available from several providers at different prices.
Montgomery, Alabama Monthly Auto Insurance Rates
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $80 | $170 |
| $77 | $163 |
| $65 | $145 |
| $82 | $175 |
| $68 | $150 |
| $73 | $155 |
| $75 | $160 |
| $70 | $158 |
| $72 | $150 |
| $78 | $165 |
For example, Allstate Insurance Montgomery, AL: Minimum coverage costs are $80 per month, and full coverage costs are $170. American Family Insurance minimum coverage is $77; full coverage is $163. Erie is reputed for its low-priced offerings. It costs $65 for minimum coverage and $145 for full coverage.
Other auto insurance companies in Montgomery, AL include Farmers at $82 and $175, Geico at $68 and $150, Nationwide at $73 and $155, Progressive at $75 and $160, Safeco at $70 and $158, State Farm at $72 and $150, and Travelers at $78 and $165.
Montgomery, Alabama Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 5,300 |
| Total Claims Per Year | 4,500 |
| Average Claim Size | $4,500 |
| Percentage of Uninsured Drivers | 18% |
| Vehicle Theft Rate | 420 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | Medium |
When reviewing options, consider if Montgomery, Alabama Auto Accident & Insurance Claim Statistics suggest auto insurance in Montgomery or Prattville fits your needs. Many wonder if full coverage is complete, stressing the importance of understanding your policy. Enter your ZIP code to compare quotes now.
Commute Distance Affects Auto Insurance Rates in Montgomery
Montgomery motorists typically spend around 15 minutes or less on average during their morning commute. Despite being a large city, a significant number of workers choose to drive to work alone rather than carpool, with fewer than 10% opting to share rides with co-workers.
When determining premiums for Tennessee auto insurance made easy, your provider may ask how many miles you expect to drive each year or the primary purpose for using your vehicle, whether it’s for school, work, or pleasure. These factors can influence your insurance costs, as they reflect how often and why you’re on the road.
Montgomery, Alabama Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B+ | Slightly lower than national average |
| Weather-Related Risks | B | Moderate risk of hail and flooding |
| Vehicle Theft Rate | B- | Vehicle theft rates are improving |
| Traffic Density | C+ | Moderate traffic congestion |
| Uninsured Drivers Rate | C | Higher-than-average uninsured drivers |
However, what is used for your vehicle would have the greatest impact on your premiums. Vehicles that are used for business purposes tend to be more costly to insure, and premiums are likely to be 10-12 percent higher than those for vehicles driven solely for commuting to work or school.
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Montgomery Car Insurance Factors
In Alabama, drivers must have minimum car insurance, which includes the following: $25,000 for one person and $50,000 for any number of persons injured in any one accident, for bodily injury; plus, $25,000 for property damage; for anyone looking for auto insurance quotes in Montgomery, AL, several auto insurance companies provide quotes for these Alabama motorists.
For example, Allstate has minimum coverage at $80 per month, while A-MAX Auto Insurance offers more budget-friendly options for the budget-conscious driver. Erie remains unique at its $65 minimum coverage price. Besides the above-described A-MAX, Farmers also made the list in Prattville, AL, with a car insurance rate of $82, Geico at $68, and State Farm at $72.
Auto Insurance Discounts From the Top Providers in Montgomery, AL
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Safe Driving, Good Student, Pay-in-Full |
| Bundling, Good Student, Safe Driving |
| Multi-Car, Safe Driver, Homeowner, Good Student |
| Bundling, Good Student, Homeowner, Safety Features |
| Bundling, Good Driver, Military, Federal Employee |
| Bundling, Safe Driver, Good Student, Homeowner |
| Bundling, Snapshot (Usage-Based), Homeowner |
| Bundling, Good Student, Vehicle Safety features |
| Bundling, Safe Driver, Good Student, Military |
| Bundling, Safe Driver, Homeowner, Green Vehicle |
Things to consider about car insurance in Montgomery, AL: Once you have thought about what you need and how you drive, a review of Montgomery car insurance costs and local accident statistics will help you decide whether it is time for full coverage or perhaps cheap car insurance in Montgomery, AL will be enough.
Choosing the right coverage is pivotal for protection while driving in Alabama, whether you are exploring car insurance quotes in Montgomery, AL, or options from US agencies in Montgomery, AL. Enter your ZIP code now to get Montgomery car insurance quotes, compare, and find low-priced, inexpensive car insurance in Montgomery, AL.
Minor Car Insurance Factors in Montgomery
Saving on the best car insurance in Montgomery requires understanding the factors affecting your premium. Of course, some of the most significant ones would be your credit score, driving experience, and where you live. Auto insurance quotes will benefit you if you have a clean driving record and a strong credit record.
The other significant factors that influence your premiums are the type of vehicle you drive, your annual mileage, and your choice of auto insurance coverage. It also incorporates demographics like age and gender and claims history since these will affect the cost for younger male drivers who are majorly charged.
Your provider may ask how many miles you drive each year or what purpose—driving to school, to work, or just for recreation—you use your vehicle to determine your premiums for Tennessee auto insurance made easy. Again, these also influence your insurance costs because they reflect how often and why you are on the road.
However, what you would be using the vehicle for will most likely determine the impact on your premiums. A business-use vehicle usually involves higher premium costs, and your costs will probably add up to 10-12 percent from those of a car only used for commuting to work or school.
How we Analyzed Car Insurance in Montgomery, AL
We had intended to find out the rates for car insurance by considering that we were married, with a good credit history, a 34-year-old man who did not have any tickets in his previous years and has had one continuous year of car insurance, and is also a homeowner, which would keep his rates very low.
State Farm remains the best choice for auto insurance in Montgomery, AL, with competitive monthly rates starting at just $65.
Chris Abrams Licensed Insurance Agent
His profile allowed us to research cheap car insurance in Montgomery, AL. The yearly mileage was on national averages, and we chose a financed Honda Accord with an anti-theft device pre-installed inside it because most such features come with an insurance discount.
This profile shows how security features can greatly reduce the overall cost drivers pay. It highlights the typical traits of drivers insurers reward with better rates for all types of auto insurance coverage. Combining these factors helps explain what influences car insurance pricing today.
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Discover Your Ideal Auto Insurance Options in Montgomery, AL
Average drivers in Montgomery, AL, can take advantage of choices with some of the biggest auto insurance companies: State Farm, Erie, and Progressive. It’s averaging around $65 a month. Of course, these three are some of the best in customer service and low cost, but all other factors, such as zip code, driving history, and usage, will also weigh into premium rates.
Drivers should compare quotes and learn how to file an auto insurance claim after some event or car accident. Compare total coverage auto insurance rates on budget prices using coverage comparison tools for Montgomery area drivers. Compare now and enter your ZIP code.
Frequently Asked Questions
What are the best auto insurance companies in Montgomery, AL?
The top auto insurance providers in Montgomery, AL, include State Farm, Erie, Progressive, Allstate, Nationwide, Safeco, Travelers, Farmers, American Family, and Geico. These companies are recognized for their customer service, coverage options, and affordability.
How much does auto insurance cost in Montgomery, AL?
Auto insurance rates in Montgomery can start as low as $65 per month, depending on factors such as driving history, credit score, and the type of coverage selected. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
What factors affect auto insurance premiums in Montgomery?
Key factors influencing auto insurance premiums include your driving history, credit score, vehicle type, annual mileage, location, claims history, and demographic factors like age and gender.
How can I lower my auto insurance costs?
To achieve lowering auto insurance premium costs, improve your credit score, maintain a clean driving record, choose a vehicle with safety features, and compare quotes from different providers. Bundling policies or increasing deductibles can also help you save money.
Is it necessary to have full coverage insurance in Alabama?
While Alabama law requires drivers to have liability insurance, full coverage, which includes collision and comprehensive insurance, is not mandatory. However, it is recommended for those who want additional protection for their vehicles.
How does commute distance impact auto insurance rates?
Commute distance can impact auto insurance rates, as providers often consider how many miles you drive each year and the primary purpose of your vehicle. Drivers who commute for work may have different rates compared to those who primarily use their vehicles for leisure.
Do different demographics influence insurance rates?
Yes, age, gender, and marital status can impact what you pay for car insurance. Younger drivers or singles may face higher rates, while married couples might get discounts. Understanding these factors that affect your car insurance premium can help you find ways to save.
How often should I review my auto insurance policy?
It’s a sable to review your auto insurance policy at least once a year or when significant life changes occur, such as moving, purchasing a new vehicle, or changes in your driving habits. This helps ensure you have the best coverage and rates.
What should I do if I need to file an auto insurance claim?
If you need to file an auto insurance claim, contact your insurance provider as soon as possible. Provide them with all relevant information, including details of the incident, any police reports, and photos of damages. Follow your provider’s instructions for submitting the claim. Use our free comparison tool below to see what auto insurance quotes look like in your area.
How can I compare auto insurance rates effectively?
To compare auto insurance rates effectively, enter your ZIP code into a comparison tool to receive quotes from multiple providers. Find out more by reading our how quickly do changes I make to my policy go into effect?