How Much Does Auto Insurance Cost in Montgomery, AL?
Montgomery pricing is 20% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Montgomery's diversified economy.See our methodology
Auto Insurance Pricing in Montgomery, AL
Montgomery is one of the more affordable markets for auto insurance, with costs running about 20% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 200K-population metro area is straightforward.
Local climate plays a direct role in auto insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Montgomery: no state income tax in many Southern states helps keep overall costs lower.
Montgomery has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Montgomery vs National Average
What Affects Auto Insurance Cost in Montgomery?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Montgomery Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
📐 Auto Insurance in Montgomery Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Auto Insurance Pros in Montgomery, AL
3 providersHeritage Plumbing
🏆 SPONSOREDServing Montgomery and surrounding areas since 1994. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro Restoration
⭐ PREMIUMServing Montgomery and surrounding areas since 2009. Licensed, insured, and committed to quality workmanship at fair prices.
Elite Contractors
⭐ PREMIUMServing Montgomery and surrounding areas since 2009. Licensed, insured, and committed to quality workmanship at fair prices.
Are You a Auto Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for auto insurance in Montgomery, AL.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Auto Insurance in Montgomery
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Montgomery Cost Trends (2020–2024)
Prices have increased +17.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $123 | — |
| 2021 | $128 | +4.1% |
| 2022 | $136 | +6.3% |
| 2023 | $140 | +2.9% |
| 2024 | $144 | +2.9% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Montgomery
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Montgomery than other cities?
Montgomery's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Auto Insurance Cost in Nearby Cities
Related Cost Guides for Montgomery
Popular Services in Montgomery
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.