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Cheap Car Insurance in Montgomery, Alabama

Find cheap car insurance in Montgomery, the capital city of Alabama. With a population of more than 201,000, Montgomery is known as the home of the Dexter Avenue Baptist Church, where Martin Luther King Jr. preached and where the Montgomery bus boycott was organized. It’s the second largest city in Alabama and in 1861 was the first capital of the Confederate States, and the first White House of the Confederacy was only a block south of the State Capitol.

Driving Conditions in Montgomery

Interstate 65 is the primary corridor running north-south through the city. Coming from north, Interstate 85 ends in in Montgomery. Potential traffic congestion is relieved by a loop formed by State Route 142, U.S. Highway 231 and U.S. highways 80 and 82. An outer loop is being planned by the Alabama Department of Transportation.

Compared to the most recent average U.S. cities commute time of 26 minutes, Mobile has a much shorter average at just under 18 minutes, according to Census Bureau data. Real-time cameras, maps and traffic information can be accessed at

Unique Laws in Montgomery

Alabama laws prohibit 16-year-old drivers from having more than four occupants in the car unless accompanied by a parent or guardian, and they may not drive between midnight and 6 a.m. unless going to school, work or a medical emergency.

A list of odd laws assembled by Thrillist points out that Alabama, thankfully, has banned driving while blindfolded. Many Alabama city statues ban putting slugs or buttons into parking meters, skating outside a church while services are in session or riding a bicycle at “a speed greater than reasonable and prudent under the conditions then existing.”

Montgomery Crime Statistics

Montgomery’s property and violent crime rates are higher than the U.S. state average. The Montgomery metro area 1,113 cases of auto theft in 2016, according to the National Insurance Crime Bureau, or a rate of 298 incidents per 100,000 people, higher than the U.S. average of 220 incidents per 100,000 people.

Montgomery Safety Requirements

Drivers and front-seat passengers must wear seat belts in Alabama. Babies up to a year old or 20 pounds must ride in a rear-facing infant seat, and those up to age 5 or 40 pounds must ride in a child safety seat. Five-and 6-year-olds are required to ride in booster seats and anyone under 15 must wear a seat belt. Drivers aged 16 and 17 with intermediate licenses are banned from using cellphones. Texting and driving has been prohibited in Alabama since 2012.

Montgomery Impaired Driving Laws

Much like the rest of the U.S., the legal breath or blood alcohol content in Alabama is 0.08.

There is no minimum mandatory jail sentence for first-time offenders, but they will pay up to $2,000 in fines and receive a driver’s license suspension of 90 days, according to the Alabama Law Enforcement Agency. Second offenders serve a minimum of 48 hours in jail and pay higher fines, while third offenders spend 60 days in jail and can pay up to $10,000 in fines with up to three years license revocation. For cheap car insurance in Montgomery, let us compare rates to find the best available.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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