Find Cheap Car Insurance in Montgomery, AL

Montgomery, Alabama, holds a special place in history as a key player in the Civil Rights Movement. With landmarks like the Alabama State Capitol, where Jefferson Davis took his oath as Confederate States president, the city has a rich past worth exploring for history buffs and curious wanderers.

Today, Montgomery is a mix of culture and commerce, attracting a diverse population and brimming with dining spots, shops, and entertainment options in its downtown area.

When hitting the roads of Alabama, having reliable auto coverage is a must. Look no further than Acceptance Insurance for the best, cheap options tailored to your unique needs. Even if your driving record isn’t perfect, we’ve got you covered. Dive into this guide for everything you need to know about car insurance in Alabama and discover unbeatable discounts.

If you’re looking into auto insurance in Montgomery, you’ll find that the typical rate for basic liability coverage, as required by state law, is roughly $37 per month. That’s under the national average of $52 and $5 cheaper than what most people in Alabama charge, around $43.

If you’re considering moving up to full auto insurance in this region, the usual monthly price runs at about $128. That’s a $46 markdown from the state’s average of $174 and $40 less than the national average of $168.

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

In Alabama, the at-fault state rule keeps it simple. Here’s the deal:

• If you cause an accident, you’re on the hook for covering the other driver’s damages.
• The victim is not required to deal with their insurance—it’s all on the driver at fault.

Make sure your type of auto insurance policy includes bodily injury and property damage coverage to stay compliant with Alabama state law.

Your car insurance rates are influenced by various factors, including the location you reside in. If your city is known for congestion and accidents, you may end up paying more than someone in a quieter area. Here are some cities in Alabama to consider for comparison purposes.

Compare Car Insurance Rates by Zip Code in Montgomery

Insurance companies factor in your zip code when setting your rates, taking into account the frequency of claims, crashes, and other relevant data for that area. Here are some average auto insurance rates by zip codes in Montgomery for your reference:

Low-Cost Car Insurance Rates by Age in Montgomery

No matter the location, young drivers usually face the highest coverage costs, while experienced drivers with a spotless record tend to snag the cheapest premiums. Luckily, there are affordable choices for teens starting off behind the wheel, and as they drive responsibly, their rates are likely to dip as they mature.

*To figure out the average costs, we use the following approach: we consider a 30-year-old male, with the state’s minimum liability coverage and full 100/300/100 coverage.

How Many Fatal Accidents Happen Per Year in Montgomery, AL?

To avoid car accidents that could increase your insurance rates and make finding affordable coverage difficult, it’s important to stay informed about crash data in the state.

Alabama logs a significant number of crashes each year, as revealed by the Alabama Department of Transportation. Let’s break down the stats: In 2023, the state experienced 897 fatal crashes, resulting in the loss of 975 lives. Zooming in on Montgomery County – home to the city of the same name – there were 38 crash-related fatalities in 2023, with 6 involving alcohol.

Are Road Infrastructure and Bridges in Montgomery Well Maintained?

Much of the streets and infrastructure in Montgomery are in good condition, and the city is continuously working on projects to take it to the next level. Specifically, repaving efforts have been underway, alongside the development and enhancement of community centers such as Calmar Drive, Sheridan Heights, and Chisholm.

Another major project in the area is the creation of the Meta data center, set to be completed by 2026, located across from the Hyundai plant.

In Alabama, every driver must have at least the following basic liability insurance coverage:

• $25,000 for bodily injury/death per person
• $50,000 for bodily injury/death per accident
• $25,000 for property damage per accident

Remember, these are just the basic requirements to drive legally. We recommend boosting your limits for added financial protection, especially to ensure you’re well covered in case you’re found at fault in an accident that leads to substantial property damage or serious injuries.

Alabama takes insurance matters seriously. Penalties for driving without insurance range from $500 to $1,000, and that is only the beginning of your problems.

• Moreover, you may encounter other consequences such as:
• License and registration suspension
• Incarceration
• The necessity for more expensive SR-22 insurance

Your insurance rates can be impacted by age, location, and driving record. However, carriers consider other aspects before giving you a quote. Some of these factors include:

• The safety features of your vehicle
• Your claims history
• Your occupation
• The deductible and coverage limits you choose

Keep in mind, your age and how long you’ve been driving can really affect how much you pay for auto insurance in Montgomery and across Alabama. If you’re under 30, expect higher rates. On the other hand, if you’re in your 50s, you might score better deals.

For instance, a teen could pay about $198 for basic coverage, while a 50-year-old driver might only pay $34 for the same coverage. So, if you’re shopping for car insurance for young drivers, compare quotes first.

Even though many people find their car insurance premiums to be pricier, there are ways to bring down the costs. Chat with your insurance agent about the next auto insurance discounts that could help lower your coverage bill.