Best Cheap Auto Insurance in Montgomery, TX (2021)

The average Montgomery, TX auto insurance rates are $351 per month. The minimum auto insurance in Montgomery is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Montgomery, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Montgomery is USAA
  • The average commute length in Montgomery is 38.1 minutes
  • The most expensive auto insurance company in Montgomery for teen drivers is Progressive

Montgomery, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Montgomery can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Montgomery, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Montgomery to other Texas cities, including Houston auto insurance rates, Plano auto insurance rates, and Austin auto insurance rates to see how Montgomery, Texas auto insurance rates stack up.

Before you buy Montgomery, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Montgomery, Texas auto insurance quotes.

Minimum Auto Insurance in Montgomery, Texas

Montgomery, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Montgomery, Texas.

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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Cheap Montgomery, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Montgomery, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Montgomery, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Montgomery, Texas is a challenge. Take a look at the annual teen auto insurance rates in Montgomery, Texas.

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

Cheap Montgomery, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Montgomery, Texas? Take a look at the annual average rates for older drivers.

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

Cheap Montgomery, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Montgomery, Texas compared to the annual auto insurance rates with a clean record in Montgomery, Texas.

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

Cheap Montgomery, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Montgomery, Texas is not easy. Compare the annual rates for DUI auto insurance in Montgomery, Texas to find the best deal.

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

Cheap Montgomery, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Montgomery, Texas annual auto insurance rates by credit history compare.

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

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Cheap Montgomery, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Montgomery, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Montgomery, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Montgomery, Texas

ZIP Code Average Annual Rates
77316 $6,375
77356 $6,295

Cheap Montgomery, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Montgomery, Texas auto insurance. Find the cheapest annual Montgomery, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Montgomery, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Montgomery, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Montgomery, Texas? Check out the comparison of annual Montgomery, Texas 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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Best By Category: Cheapest Auto Insurance in Montgomery, Texas

Compare the cheapest auto insurance companies in Montgomery, Texas in each category to find the company with the best rates for your personal needs.

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

The Cheapest Montgomery, Texas Auto Insurance Companies

What auto insurance companies in Montgomery, Texas are the cheapest? Compare the top Montgomery, Texas auto insurance companies to find the best annual rates.

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 auto insurance rates in Montgomery, Texas?

There are a lot of reasons why auto insurance rates in Montgomery, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Montgomery, Texas. Many local factors may affect your Montgomery auto insurance rates.

Montgomery Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Montgomery, Texas auto theft statistics, there have been 0 auto thefts in the city.

Montgomery Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Montgomery, Texas commute length is 38.1 minutes according to City-Data.

Montgomery Traffic

How does Montgomery, Texas rank for traffic? According to Inrix Montgomery, Texas is the 413th most congested worldwide.

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Compare Montgomery, Texas Auto Insurance Quotes

Before you buy Montgomery, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Montgomery, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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