Go To Top
Why you can trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

Car insurance coverage in Montgomery costs an average of $1,490 annually for full coverage. That's $43 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Montgomery, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Montgomery provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Montgomery

United Svcs Automobile Assn is the cheapest car insurance company in Montgomery with an average cost of $855 per year, based on insurance.com's rate analysis. While Nationwide is second in terms of the cheapest car insurance companies in Montgomery. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Svcs Automobile Assn$855
Nationwide P&C Ins Co$893
GEICO Casualty Co$1,084
Standard Fire Ins Co$1,214
Allstate P&C Ins Co$1,456
Auto-Owners Ins Co$1,640
Progressive Specialty Ins Co$1,643
State Farm Mutl Automobile Ins$1,726
Metropolitan P&C Ins Co$1,788
Mid-Century Ins Co$2,605

Cheapest car insurance cost in Montgomery by age group

Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,243 a year or $104 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $1,237 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Cas Co offers the cheapest car insurance for young adults in Montgomery at about $1,626 a year. While Geico Cas Co is the cheapest insurance provider for teen drivers for full coverage at an average of $3,458 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Cas Co$1,243$1,237$3,458$1,626
Progressive Specialty Ins Co$1,538$1,328$8,709$2,605
Nationwide Mut Fire Ins Co$1,579$1,447$5,394$2,860
Allstate Prop & Cas Ins Co$1,663$1,650$5,840$2,303
State Farm Mut Auto Ins Co$1,858$1,765$5,119$3,059
Mid Century Ins Co$2,390$2,228$10,389$3,422

Cheapest car insurance companies in Montgomery by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Montgomery no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Nationwide
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: Nationwide
  • Cheapest for DUI: Nationwide

Cheapest for a driver with poor credit: Nationwide

Nationwide is the cheapest car insurance company for a driver with poor credit in Montgomery. Its average annual rate is $1,951 or $163 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAverage Annual Rates
Nationwide$1,951
Geico$2,045
United$2,459
Standard Fire Ins Co$2,791
Allstate$3,005
Progressive$4,257
Mid-Century Ins Co$4,788
Auto-Owners Ins Co$6,013
Metropolitan$7,149
State Farm$7,159

Cheapest auto insurance for drivers with a speeding ticket: United

United is the cheapest auto insurance company for a driver with a speeding ticket in Montgomery. Its average annual premium is $1,607 annually or $134 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAverage Annual Rates
United$1,607
Nationwide$1,757
Allstate$2,016
Standard Fire Ins Co$2,237
Geico$2,277
State Farm$2,393
Auto-Owners Ins Co$2,580
Progressive$3,022
Mid-Century Ins Co$3,821
Metropolitan$5,255

Cheapest auto insurance after an at-fault accident: Nationwide

Nationwide offers the cheapest car insurance rates for a driver with an accident record in Montgomery at about $1,807 per year. Apart from Nationwide, United, Geico, and Standard Fire are other cheap insurance companies on our list.

CompanyAverage Annual Rates
Nationwide$1,807
United$2,000
Geico$2,129
Standard Fire Ins Co$2,335
State Farm$2,688
Auto-Owners Ins Co$2,770
Allstate$2,837
Progressive$3,627
Mid-Century Ins Co$4,115
Metropolitan$4,936

Cheapest auto insurance after a DUI: Nationwide

Nationwide is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,195 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAverage Annual Rates
Nationwide$2,195
State Farm$2,393
Allstate$2,432
Standard Fire Ins Co$2,440
Geico$2,614
United$2,772
Progressive$2,893
Mid-Century Ins Co$3,983
Auto-Owners Ins Co$4,227
Metropolitan$7,433

Average car insurance cost in Montgomery

The average car insurance rate in Montgomery is $1,490 a year for a full coverage policy of 100/300/100 for a driver age 30, $43 more than the national average of $1,447.

The average annual premium in Montgomery for minimum coverage is $437 a year or $36 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,490$437