When it comes to auto insurance in Montgomery, drivers need affordable coverage from a reputable, financially stable insurance company. Of course, finding the right Montgomery auto insurance is often a challenge that requires significant time and effort to be successful.
Fortunately, the Internet has simplified the process of shopping for car insurance. Discover the best car insurance rates in the Montgomery area simply by using our free insurance quote tool.
Provide your zip code in the form above to receive car insurance quotes from major insurance carriers. You’ll have all the information you need instantly available to compare coverage and rates to find the best policy to fit your insurance needs and budget.
Car Insurance Agents in Montgomery
Montgomery car insurance agents are also available in the area to help local drivers comparison shop for auto insurance coverage. Independent insurance agents can provide quotes from multiple carriers and then help motorists evaluate the coverage to find the policy that will work best for their particular situation. The following links provide agent information for local Montgomery auto insurance by some of the nation’s top rated carriers.
Montgomery is home to 12 Allstate Insurance agents with expertise in auto insurance for local residents.
For car insurance in Montgomery, there are 50 Farmers Insurance agents serving the area including office locations in the nearby cities of Prattville, Millbrook, Wetumpka, Clanton, Troy, Selma, Alexander City, Auburn, Opelika, Sylacauga, Columbiana, Calera, Centreville, Alabaster, Lanett, Chelsea, Pelham, Birmingham, Phenix City, Eufaula, Andalusia, Roanoke, Talladega and Hoover.
There is a local Geico agent serving the Montgomery area, and motorists may also choose to deal with Geico directly by purchasing their Montgomery car insurance online or by phone.
Progressive Insurance maintains a team of 5 agents to provide car insurance in Montgomery and surrounding areas.
Fifty insurance agents represent State Farm in Montgomery, Prattville, Wetumpka, Millbrook, Pike Road, Tallassee, Tuskegee, Clanton, Union Springs, Greenville, Selma, Alexander City, Dadeville, Troy, Luverne, Auburn, Brundidge and Sylacauga.
The Alabama Department of Insurance offers an agent lookup feature on their website where consumers may check the licensing status of local agents. The site provides the license effective date and company appointments of every licensed insurance agent in Alabama.
If you don’t see your agency or company listed in our resources, please get in touch with us via our contact form. Individual agent listings are only accepted in our paid features section at the present time.
Montgomery car Insurance Rates
Auto insurance in Montgomery average $1,412 per year making coverage in the city 16 percent higher than Alabama’s average annual insurance premiums but 29 percent lower than the national average according to research by CarInsurance.com.
Of course, rates depend on more than just location. Auto insurance carriers also take into account the type of car, driving record, credit score and marital status among other factors before pricing individual policies.
Driving in Montgomery
Not only is Montgomery the capital of Alabama, the population of 205,000 makes it the second most populous city in the state. The overall Montgomery metropolitan area is even larger with almost 375,000 people. Interstate 65 travels north and south through the city leading to both Birmingham and Huntsville in the north and Mobile in the south.
The other major interstate coursing through Montgomery is I-85, which runs east and west and ultimately leads to Atlanta in the northeast. The state is also working on a roadway project to help ease traffic congestion and improve the flow of traffic and freight through the area.
This project is called the Montgomery Outer Loop and will connect Interstate 85 in the east of the city with State Road 110. The first section of the project should be complete by 2014; however, the entire project will not be completed until 2022, subject to continued federal funding.
While traffic congestion during peak rush hour times is typical for a city this size, Montgomery also has some of the safest drivers in the country. The Allstate 2011 Best Drivers Report listed the city as 27th in the nation for the best drivers the average time between accidents at 11.1 years.
The National Highway Traffic Safety Administration also confirms the city’s safe driving record in their traffic fatality statistics for 2006-2010. Montgomery County had a total of 17 traffic fatalities in 2010 – down 23 percent from 2009 and 60 percent from 2006.
Drivers can stay up to date with local traffic reports for Montgomery by visiting the Alabama Department of Transportation website. It lists current road conditions, closures and traffic congestion.
Alabama Auto Insurance Laws
All drivers in the State of Alabama must have liability insurance and keep proof of that coverage in the vehicle. The state is very strict concerning the mandated coverage, and uninsured drivers face heavy penalties for violating Alabama auto insurance laws.
They are subject to fines of up to $1,000, suspension of license or plates as well as fees for reinstatement. Learn more about specific legal requirements for coverage as well as minimum Alabama auto insurance requirements by visiting our state resource page.
Montgomery Car Insurance Quotes
Auto insurance rates and coverage change frequently so it is important to comparison shop each year to ensure that you are receiving the best pricing available. Take a few minutes right now to compare Montgomery car insurance companies, coverage and rates. Simply input your zip code in the form below to receive free auto insurance quotes instantly in the comfort of your home or office.