Montgomery Car Insurance

Everything You Need to Know About Car Insurance in Montgomery, AL

Find the right car insurance policy for you.

Alabama's capital, Montgomery is a vibrant area with passionate sports fans, strong historic significance, and a family-focused community. The city's strong roots in the Civil War have given it a prominent standing within the country. But with 201,332 residents and thousands of tourists throughout the year, things can get congested in Montgomery, AL. Whether you're heading to the Dexter Avenue Baptist Church, an ASU football game or Wright Brothers Park, roadways can become hectic.

That's why you need the proper Montgomery auto insurance policy to give you peace of mind when you're behind the wheel. Did you know that Independent Insurance Agents aren't tied down to one carrier and can receive a number of quotes from various insurance carriers? That way, you have plenty of options and can find a Montgomery insurance plan that works for you.

  • National average cost per year: $1,311
  • Alabama average cost per year: $1,320
  • 22nd most expensive auto premium in the U.S.

Alabama drivers saw $4,070,408 in losses in previous years — an indication that the cost of auto insurance likely pays off. Although you're required to have the coverage, car insurance should be personalized and unique to your own needs. Your vehicle's age and model, as well as your personal driving history, are considered when calculating premium rates. Let an independent insurance agent walk you through the process.

Alabama Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/25

As an Alabama driver, you're required to have a minimum coverage of up to $25,000 for an individual injury, $50,000 for all injuries in an accident and $25,000 for property damage. But if you've been in a serious accident, you know medical bills and repair costs can soar past these limits. That's why it's a good idea to have a reliable agent on your side to explain why higher limits may offer better protection. Don't be financially devastated because you don't have enough coverage.

Number of Uninsured Motorists in Alabama

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Alabama drivers: 19.6%

The Cotton State sees its fair share of careless drivers — especially when compared with the rest of the country. Whether underinsured or uninsured, these drivers don't have the necessary coverage to pay you for their mistakes. Uninsured motorist coverage gives you an extra layer of protection so a fender bender doesn't leave you monetarily unstable.

Number of Auto Thefts in Alabama

  • National number of thefts per 1,000 vehicles: 2.94
  • Number of thefts per 1,000 vehicles in Alabama: 2.10

You may park under street lamps and hide personal belongings in the trunk, but an auto theft can happen without warning. That's why your Montgomery auto insurance should cover you against such a scenario — compensating you for damaged or stolen property. Let an agent show you your options and get you on board with a policy that works for you.

Find a Great Montgomery Car Insurance Policy

Our independent insurance agents want to find you the most comprehensive and affordable Montgomery car insurance in the marketplace. Whether you just purchased your first car or have been on the same policy for a decade, our local agents will work hard to find discounts and bundling options to find you the best deal. We want you to feel secure knowing you, your family and your vehicle are fully protected from the unexpected.

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