Buy Cheap Montgomery, TX Auto Insurance in 2024
Montgomery, TX auto insurance rates average $351 a month. Minimum auto insurance requirements in Montgomery, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Montgomery, TX, compare Montgomery auto insurance quotes from top companies.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Montgomery, TX after a DUI are $4,775/year
- Average auto insurance rates in Montgomery, TX are $351/month
- The most expensive auto insurance company in Montgomery after a DUI is Allstate
Finding affordable Montgomery, Texas auto insurance can be challenging, but everything you need to know to buy cheap Montgomery, TX auto insurance with confidence is right here. Auto insurance rates in Montgomery are affected by local factors as well as personal ones like your driving record.
See how Montgomery, TX car insurance rates compare to San Antonio auto insurance rates, El Paso auto insurance rates, and Fort Worth auto insurance rates before you read more about the cost of auto insurance in Montgomery.
Don’t buy Montgomery, TX auto insurance until you’ve compared rates. Get free Montgomery, Texas auto insurance quotes when you enter your ZIP code above.
Montgomery, TX Minimum Auto Insurance Requirements
The required auto insurance in Montgomery, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Montgomery, Texas is outlined here.
Minimum Required Auto Insurance Coverage in Montgomery, Texas
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Montgomery, TX Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Montgomery, TX. Take a look at Montgomery, Texas auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Montgomery, Texas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,837 | $5,020 | $4,303 |
| American Family | $8,150 | $5,329 | $4,642 |
| Geico | $5,421 | $3,062 | $2,037 |
| Nationwide | $4,796 | $3,857 | $3,347 |
| Progressive | $5,431 | $4,736 | $4,403 |
| State Farm | $4,335 | $2,698 | $2,149 |
| USAA | $3,874 | $2,245 | $1,808 |
Buy Cheap Montgomery, TX Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Montgomery, Texas auto insurance rates? Find out how car insurance rates in Montgomery, TX are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Montgomery, Texas
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,471 | $3,493 | $3,424 | $3,424 | $9,317 | $11,220 | $4,289 | $4,455 |
| American Family | $3,416 | $3,855 | $3,292 | $3,823 | $10,000 | $13,008 | $5,103 | $5,826 |
| Geico | $2,589 | $2,805 | $2,505 | $2,862 | $5,747 | $5,949 | $2,807 | $2,791 |
| Nationwide | $2,477 | $2,516 | $2,184 | $2,312 | $7,192 | $9,228 | $2,926 | $3,165 |
| Progressive | $2,511 | $2,372 | $2,255 | $2,286 | $11,069 | $12,364 | $2,981 | $3,017 |
| State Farm | $2,125 | $2,125 | $1,895 | $1,895 | $5,161 | $6,587 | $2,316 | $2,383 |
| USAA | $1,683 | $1,691 | $1,611 | $1,598 | $4,749 | $5,163 | $2,244 | $2,400 |
Buy Cheap Montgomery, TX Auto Insurance for Teen Drivers
Auto insurance for teenagers in Montgomery can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Montgomery, TX are listed here.
Annual Auto Insurance Rates for Teen Drivers in Montgomery, Texas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,317 | $11,220 |
| American Family | $10,000 | $13,008 |
| Geico | $5,747 | $5,949 |
| Nationwide | $7,192 | $9,228 |
| Progressive | $11,069 | $12,364 |
| State Farm | $5,161 | $6,587 |
| USAA | $4,749 | $5,163 |
Buy Cheap Montgomery, TX Auto Insurance for Seniors
You can save on senior auto insurance rates in Montgomery, Texas by comparing Montgomery senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Montgomery, TX here.
Annual Auto Insurance Rates for Senior Drivers in Montgomery, Texas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,424 | $3,424 |
| American Family | $3,292 | $3,823 |
| Geico | $2,505 | $2,862 |
| Nationwide | $2,184 | $2,312 |
| Progressive | $2,255 | $2,286 |
| State Farm | $1,895 | $1,895 |
| USAA | $1,611 | $1,598 |
Find Cheap Auto Insurance Rates in Montgomery, TX by Coverage Level
The amount of coverage you choose is a big factor in the cost of Montgomery, Texas auto insurance. Compare Montgomery, TX auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Montgomery, Texas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,262 | $5,340 | $5,559 |
| American Family | $5,551 | $5,776 | $6,793 |
| Geico | $3,310 | $3,461 | $3,750 |
| Nationwide | $4,332 | $3,830 | $3,838 |
| Progressive | $4,617 | $4,836 | $5,117 |
| State Farm | $2,897 | $3,054 | $3,232 |
| USAA | $2,546 | $2,631 | $2,750 |
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Find Cheap Montgomery, TX Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Montgomery. Compare auto insurance rates in Montgomery, TX by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Montgomery, Texas
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,253 | $5,520 |
| American Family | $6,040 | $6,040 |
| Geico | $3,442 | $3,572 |
| Nationwide | $4,000 | $4,000 |
| Progressive | $4,857 | $4,857 |
| State Farm | $3,061 | $3,061 |
| USAA | $2,609 | $2,676 |
Find Cheap Montgomery, TX Auto Insurance Rates by ZIP Code
Auto insurance rates in Montgomery, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Montgomery, TX to see how much where you live in Montgomery affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Montgomery, Texas
| ZIP Code | Average Annual Rates |
|---|---|
| 77316 | $6,375 |
| 77356 | $6,295 |
Find Cheap Montgomery, TX Auto Insurance Rates by Driving Record
Auto insurance rates in Montgomery, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Montgomery, TX, take a look at the average cost for various violations versus rates for a clean driving record in Montgomery.
Annual Montgomery, Texas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,147 | $6,480 | $6,772 | $4,147 |
| American Family | $5,470 | $7,059 | $6,161 | $5,470 |
| Geico | $2,973 | $3,946 | $3,276 | $3,832 |
| Nationwide | $3,467 | $3,467 | $5,148 | $3,918 |
| Progressive | $4,228 | $5,517 | $4,931 | $4,752 |
| State Farm | $2,712 | $3,121 | $3,699 | $2,712 |
| USAA | $1,966 | $2,910 | $3,436 | $2,258 |
Find Cheap Montgomery, TX Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Montgomery, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Montgomery for less when you shop around and compare rates from multiple Montgomery, TX auto insurance companies.
Annual Auto Insurance Rates After a DUI in Montgomery, Texas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,772 |
| American Family | $6,161 |
| Geico | $3,276 |
| Nationwide | $5,148 |
| Progressive | $4,931 |
| State Farm | $3,699 |
| USAA | $3,436 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Montgomery, TX
Compare rates from the cheapest auto insurance companies in Montgomery, TX for your needs. Take a look at how Montgomery, Texas auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Montgomery, Texas
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Find Cheap Montgomery, Texas Auto Insurance Companies
If you’re looking for the cheapest Montgomery, TX auto insurance companies overall, you can compare them here. Find the best price for Montgomery, Texas car insurance by company.
Average Annual Auto Insurance Rates by Company in Montgomery, Texas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,387 |
| American Family | $6,040 |
| Geico | $3,507 |
| Nationwide | $4,000 |
| Progressive | $4,857 |
| State Farm | $3,061 |
| USAA | $2,642 |
What affects Montgomery, Texas auto insurance rates?
Local factors affect auto insurance rates in Montgomery, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Montgomery auto insurance rates.
Commute Times in Montgomery
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Montgomery, TX is 38.1 minutes according to City-Data.
Traffic in Montgomery
How is traffic in Montgomery, Texas? Inrix data shows that Montgomery, TX traffic makes it the 413th-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Montgomery, TX
You can buy cheap Montgomery, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Montgomery, Texas auto insurance quotes from top companies.
Frequently Asked Questions
Why is it important to have auto insurance in Montgomery, TX?
Auto insurance is essential in Montgomery, TX, and everywhere else, for several reasons:
- Legal Requirement: Texas law mandates that all drivers maintain a minimum level of auto insurance coverage. Failure to comply with this requirement can result in fines, license suspension, and other penalties.
- Financial Protection: Auto insurance provides financial protection in case of accidents or damage to your vehicle. It helps cover the cost of repairs, medical expenses, and legal liabilities resulting from an accident.
- Peace of Mind: Having auto insurance gives you peace of mind knowing that you are financially protected against unforeseen events on the road.
How can I find cheap auto insurance in Montgomery, TX?
Finding cheap auto insurance requires some research and comparison shopping. Here are a few tips:
- Compare Multiple Quotes: Obtain quotes from different insurance providers in Montgomery, TX. Compare the coverage options, deductibles, and premiums to find the best deal.
- Consider Discounts: Many insurance companies offer various discounts that can help reduce your premium. Look for discounts for safe driving, bundling policies, or having safety features in your vehicle.
- Maintain a Good Driving Record: A clean driving record with no accidents or traffic violations can lead to lower insurance rates.
- Adjust Coverage Limits and Deductibles: You can often save money by adjusting your coverage limits and deductibles. However, ensure that you have adequate coverage for your needs.
- Seek Professional Assistance: Insurance agents or brokers can help you navigate the insurance market and find the best options based on your specific requirements.
What factors can affect the cost of auto insurance in Montgomery, TX?
Several factors can influence the cost of auto insurance in Montgomery, TX:
- Driving Record: Drivers with a history of accidents or traffic violations may have higher premiums compared to those with clean records.
- Age and Gender: Younger and inexperienced drivers typically face higher insurance rates. Additionally, males may have higher premiums compared to females due to statistical risk factors.
- Vehicle Type: The make, model, and age of your vehicle can affect your insurance rates. Expensive or high-performance cars may have higher premiums.
- Coverage and Deductibles: The type and amount of coverage you choose, as well as the deductibles, can impact your premium.
- Location: Insurance rates can vary based on where you live in Montgomery, TX. Urban areas with higher accident rates or theft risks may have higher premiums.
Are there any legal minimum requirements for auto insurance in Montgomery, TX?
Yes, Montgomery, TX, follows the state of Texas’ minimum requirements for auto insurance, which include:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Can I get auto insurance coverage instantly in Montgomery, TX?
Yes, it is possible to get auto insurance coverage instantly in Montgomery, TX. Many insurance providers offer the option to purchase insurance online or over the phone, allowing you to receive immediate coverage. However, the specifics may vary depending on the insurance company and their underwriting process. It’s always a good idea to check with the insurer to confirm their process for providing instant coverage.
What should I do if I have an accident or need to file a claim in Montgomery, TX?
If you have an accident or need to file a claim in Montgomery, TX, follow these general steps:
- Ensure Safety: If possible, move your vehicle to a safe location and check for injuries. Call emergency services if needed.
- Document Information: Exchange contact, insurance, and driver’s license details with the other party involved. Gather witness information if available.
- Notify Your Insurance Company: Contact your insurance provider as soon as possible to report the accident and initiate the claims process. They will guide you on the necessary steps and provide you with specific instructions.
- Provide Accurate Information: Be honest and provide accurate details about the accident when filing the claim. Misrepresentation or fraud can lead to complications.
- Follow Claim Procedures: Follow the instructions provided by your insurance company regarding submitting documentation, obtaining estimates for repairs, and cooperating with any investigations.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.