Car Insurance in Montgomery, AL – Rates & Rankings for 2025

• The average cost of car insurance in Montgomery is $2,376 per year, or approximately $198 per month for full coverage.
• Small SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, and Mazda CX-5 have the best chance of getting cheap car insurance in Montgomery.
• A few models with the most affordable car insurance in their automotive segment include the Acura RDX, Chevrolet Colorado, Acura Integra, Nissan Titan, and Chevrolet Tahoe.
• Car insurance quotes in Montgomery can vary significantly from as low as $37 per month for a liability-only policy to well over $719 per month for teens and other high-risk drivers.

What is average car insurance cost in Montgomery?

The average price for car insurance in Montgomery is $2,376 per year, which is 4.3% more than the U.S. overall average rate of $2,276 per year. The average monthly cost of car insurance in Montgomery is $198 for a policy with full coverage.

In the state of Alabama, average car insurance cost is $2,344 per year, so the cost in Montgomery averages $32 more per year. The cost of auto insurance in Montgomery compared to other Alabama cities is $102 per year cheaper than in Mobile, $156 per year cheaper than in Birmingham, and $8 per year more than in Tuscaloosa.

The age of the rated driver is the factor that has the most impact on the price you pay for car insurance, so the list below illustrates this point by showing the difference in average car insurance rates for driver ages from 16 to 60.

Average car insurance rates in Montgomery for drivers age 16 to 60

• 16-year-old rated driver – $8,466 per year or $706 per month
• 17-year-old rated driver – $8,202 per year or $684 per month
• 18-year-old rated driver – $7,352 per year or $613 per month
• 19-year-old rated driver – $6,693 per year or $558 per month
• 20-year-old rated driver – $4,782 per year or $399 per month
• 30-year-old rated driver – $2,536 per year or $211 per month
• 40-year-old rated driver – $2,376 per year or $198 per month
• 50-year-old rated driver – $2,108 per year or $176 per month
• 60-year-old rated driver – $1,972 per year or $164 per month

The chart below shows average car insurance cost in Montgomery broken out not only by driver age, but also by physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury models.

Average car insurance rates in the prior chart range from $1,668 per year for a policy with high deductibles for a 60-year-old driver to $5,562 per year for a 20-year-old driver with low physical damage deductibles.

For monthly budgeting purposes, the average cost of car insurance per month in Montgomery ranges from $139 to $464.

The most popular models in Montgomery tend to be compact or midsize cars like the Toyota Corolla, Nissan Sentra, and Nissan Altima and compact and midsize SUVs like the Chevy Equinox and Subaru Outback.

A few additional popular models from different automotive segments include luxury SUVs like the BMW X5 and Infiniti QX60, luxury cars like the Infiniti Q50 and BMW 530i, and pickup trucks like the Ford Ranger and Ram 1500.

We cover more car insurance rates in the upcoming sections, but before we dive into that data, let’s look at the comparisons and key concepts that were covered up to this point.

• Teen female drivers pay cheaper rates than teen males – Teenage female drivers age 16 to 19 pay $1,033 to $557 less annually than males of the same age.
• Auto insurance is cheaper as you get older – Average car insurance rates for a 50-year-old driver in Montgomery are $2,674 per year cheaper than for a 20-year-old driver.
• Auto insurance rates fall substantially in your twenties – The average 30-year-old Montgomery, AL, driver will pay $2,246 less per year than a 20-year-old driver, $2,536 compared to $4,782.
• Cost per month ranges from $164 to $706 – That is the average auto insurance cost range for insured drivers age 16 to 60 in Montgomery, Alabama.
• Montgomery car insurance prices are more expensive than the Alabama state average – $2,376 (Montgomery average) versus $2,344 (Alabama average)

In Montgomery, which vehicles are cheapest to insure?

When comparing all types of vehicles, the models with the cheapest average auto insurance quotes in Montgomery, AL, tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Nissan Kicks, and Toyota Corolla Cross.

Average car insurance prices for those small SUVs cost $1,930 or less per year ($161 per month) for a policy with full coverage.

Some other vehicles that are ranked high in our auto insurance price comparison are the Buick Encore, Ford Bronco Sport, Kia Niro, and Buick Envista.

Rates are slightly more for those models than the cheapest compact SUVs at the top of the rankings, but they still have an average cost of $2,066 or less per year, or around $172 per month in Montgomery.

The table below shows the 30 models with the cheapest car insurance in Montgomery, ordered by cost.

The above table containing 30 vehicles with the cheapest insurance in Montgomery is not the best way to show a comprehensive summary of the cost of auto insurance. Considering we track over 700 vehicles, less than 4% of makes and models are shown in the table. Let’s rethink this, dig deeper, and show the models with the lowest rates in a different format, by vehicle segment.

The next section further discusses the cost of auto insurance based on automotive segment. The rates shown will provide a good foundation of the types of vehicles that have the overall cheapest Montgomery car insurance rates. The six sections after the chart show the 20 cheapest models in each automotive segment.

Montgomery car insurance rates by vehicle segment

When shopping for a different vehicle, it’s useful to have an idea of which kinds of vehicles are less expensive to insure.

As an example, you may be curious if midsize cars have cheaper car insurance than full-size cars or if sports cars are more expensive to insure than regular cars.

The chart below displays the average auto insurance cost in Montgomery for each automotive segment. From a segment perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the most affordable rates, while luxury models and sports cars tend to have the most expensive overall auto insurance rates.

Auto insurance rates by segment are precise enough for getting an initial comparison, but rates vary substantially within each automotive segment displayed in the above chart.

For example, in the small car segment, car insurance rates in Montgomery range from the Toyota GR Corolla costing $2,066 per year up to the Toyota Mirai costing $2,956 per year. In the large luxury SUV segment, insurance rates range from the Infiniti QX80 costing $2,666 per year to the Mercedes-Benz G63 AMG at $5,108 per year.

In the sections going forward, we remove some of this variability by looking at auto insurance cost in Montgomery for individual vehicle models.

Cheapest car insurance rates in Montgomery

The top-ranked model in Montgomery for cheapest average insurance in the non-luxury car segment is the Toyota GR Corolla, at $2,066 per year. Second place is the Nissan Leaf costing $2,080 per year, the third most affordable is the Honda Civic, costing an average of $2,104 per year, and fourth place goes to the Nissan Sentra, costing an average of $2,178 per year.

Not the cheapest cars to insure, but still affordable, are models like the Honda Accord, Chevrolet Malibu, Toyota Prius, and Toyota Corolla, with average cost of $2,316 per year or less.

Full-coverage insurance in this segment can cost as low as $172 per month, depending on the company. The next table ranks the cars with the cheapest average auto insurance rates in Montgomery, starting with the Toyota GR Corolla at $172 per month and ending with the Mazda 3 at $205 per month.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Montgomery car insurance quotes from top car insurance companies in Alabama.

Cheapest SUV insurance rates in Montgomery

Ranking in the top five for the lowest-cost Montgomery car insurance rates in the SUV segment (excluding luxury models) are the Subaru Crosstrek, Chevrolet Trailblazer, Honda Passport, Nissan Kicks, and Kia Soul. Auto insurance rates for these models average $158 or less per month.

Not the cheapest SUVs to insure, but still affordable, are models like the Hyundai Venue, Mazda CX-5, Buick Envision, and Toyota Corolla Cross, with average insurance cost of $1,948 per year or less.

Car insurance in this segment for the average driver starts at around $146 per month, depending on your company and location. The table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in Montgomery.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Alabama.

Cheapest sports cars to insure in Montgomery

The Mazda MX-5 Miata takes the #1 ranking as the cheapest sports car to insure in Montgomery, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model averages $2,200 per year for full-coverage auto insurance.

Not the cheapest, but still very affordable, are models like the Toyota GR Supra, Nissan Z, Lexus RC F, and BMW M2, with an average car insurance cost of $2,842 per year or less.

Ranking between positions 10 and 20, cars like the BMW M3, Lexus LC 500, Chevrolet Corvette, Jaguar F-Type, and BMW M4 cost between $2,842 and $4,024 per year for auto insurance.

Full-coverage auto insurance in this segment will start around $183 per month, depending on the company and your location. The rate comparison table below ranks the sports cars with the most affordable insurance in Montgomery, starting with the Mazda MX-5 Miata at $2,200 per year and ending with the Porsche Taycan at $4,024 per year.

Don’t see your sports car in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Montgomery.

Cheapest pickups to insure in Montgomery

The top four pickups with the cheapest average auto insurance rates in Montgomery are the Chevrolet Colorado at $2,094 per year, Nissan Titan at $2,224 per year, Nissan Frontier at $2,246 per year, and Ford Ranger at $2,270 per year.

Not the cheapest in the list, but still ranking well, are pickups like the GMC Sierra 2500 HD, Hyundai Santa Cruz, Toyota Tacoma, and Honda Ridgeline, with average annual insurance rates of $2,444 per year or less.

Auto insurance rates in Montgomery for this segment for a good driver starts at an average of $175 per month, depending on your location and insurance company.

The rate comparison table below ranks the pickups with the cheapest average auto insurance rates in Montgomery, starting with the Chevrolet Colorado at $2,094 per year and ending with the Ram Truck at $2,748 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see rates for your pickup? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Alabama.

Cheapest luxury cars to insure in Montgomery, AL

The top five models for the most affordable Montgomery auto insurance rates in the luxury car segment are the Mercedes-Benz CLA250, BMW 330i, Acura TLX, Acura Integra, and Lexus IS 300. Car insurance prices for these vehicles average $2,460 or less per year.

Additional models that are affordable to insure are the Genesis G70, Lexus ES 350, Lexus RC 300, and Cadillac CT4, with average rates of $2,500 per year or less.

Car insurance for this segment in Montgomery for a safe driver starts at around $176 per month, depending on your location. The next table ranks the twenty luxury cars with the most affordable auto insurance rates in Montgomery, starting with the Acura Integra at $2,114 per year and ending with the Audi S3 at $2,666 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Alabama.

Cheapest luxury SUVs to insure in Montgomery, AL

The #1 ranking in Montgomery for cheapest auto insurance in the luxury SUV segment is the Acura RDX, at an average of $1,988 per year. Second place is the Lexus NX 250 costing $2,104 per year, ranking third is the Cadillac XT4, at an average of $2,148 per year, and fourth place goes to the Jaguar E-Pace, at an average of $2,222 per year.

Other models that are affordable to insure are the Mercedes-Benz GLB 250, Lexus NX 450h, Lexus NX 350h, and Lexus UX 250h, with an average car insurance cost of $2,292 per year or less.

In the lower half of the top 20 luxury SUVs to insure, SUVs like the Acura MDX, Infiniti QX60, Lexus RX 350, Land Rover Evoque, Mercedes-Benz AMG GLB35, and Mercedes-Benz GLA250 cost between $2,292 and $2,386 per year for insurance in Montgomery.

Full-coverage car insurance in Montgomery for this segment for a safe driver can cost as low as $166 per month, depending on your location.

If prices are ranked by vehicle size, the cheapest small luxury SUV to insure in Montgomery is the Acura RDX at $1,988 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $2,222 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,666 per year.

The rate comparison table below ranks the twenty SUVs with the lowest-cost average car insurance rates in Montgomery, starting with the Acura RDX at $1,988 per year ($166 per month) and ending with the Lexus RX 350 at $2,386 per year ($199 per month).

For more car insurance comparisons, see our guide for luxury SUV insurance.

Looking for rates for a different model? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Montgomery car insurance quotes from top-rated car insurance companies in Alabama.

Money-saving tips for finding cheaper Montgomery auto insurance

Resourceful drivers are always searching for ways to cut the monthly cost of car insurance So glance at the tips in this next list to see if you can save a few bucks on your next policy purchase.

• Choose a vehicle with more affordable insurance rates. Vehicle type has a huge impact on the cost of auto insurance. For example, a Kia Sportage costs $2,114 less per year to insure in Montgomery than a Acura NSX. Lower performance vehicles cost less to insure.
• Your employer could save you money. Some car insurance companies offer policy discounts for having a job in professions like firefighters, emergency medical technicians, engineers, college professors, architects, lawyers, and others. By getting this discount, you may save between $71 and $231 on your yearly insurance bill, subject to policy limits.
• Compare auto insurance rates before buying a car. Different vehicle models have very different costs for insurance, and auto insurance companies can sell policies with a wide range of costs. Get plenty of car insurance quotes before you buy a new vehicle in order to avoid any surprises when insuring your new car.
• Remove unneeded coverage on older cars. Dropping physical damage coverage (comprehensive and collision) from vehicles whose value does not support the cost of the coverage can cut the cost of car insurance significantly.
• Keep your claim-free discount. Most insurers reduce rates a little for not having any claims. Insurance should be used for significant claims, not for insignificant claims.
• Think about raising your deductibles. Raising deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Qualify for policy discounts to save money. Discounts may be available if the policyholders insure multiple vehicles on the same policy, are military or federal employees, choose electronic billing, drive low annual mileage, are good students, or many other policy discounts which could save the average Montgomery driver as much as $402 per year.