Montgomery Auto Insurance Rates, Quotes, Agents & Reviews in GA

Montgomery, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Montgomery, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Montgomery, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Montgomery, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Montgomery, GA with that of other cities in and around Montgomery.

Montgomery Dutch Island Vernonburg Chatham County Isle of Hope Savannah
Average Insurance Rates $1,866 $1,962 $2,349 $1,668 $1,815 $1,596

Montgomery, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Montgomery, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Montgomery $1,655 $1,398
Skidaway Island $1,602 $1,353
Isle of Hope $1,332 $1,125
Wilmington Island $1,339 $1,131
Dutch Island $1,913 $1,616
Savannah $1,091 $921
Chatham County $1,452 $1,227
Vernonburg $1,449 $1,224

Montgomery, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Montgomery, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,055
20 Years $2,398
30 Years $1,847
40 Years $1,777
50 Years $1,645
60 Years $1,668
70 Years $1,942

Montgomery, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Montgomery, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,210 $522
3 Vehicles $4,814 $784
4 Vehicles $6,419 $1,045

Savings on 2 Vehicles bundle:$522

Savings on 3 Vehicles bundle:$784

Savings on 4 Vehicles bundle:$1,045


Montgomery, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Montgomery, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Montgomery $1,866 $3,411
Skidaway Island $1,976 $3,612
Isle of Hope $1,815 $3,318
Wilmington Island $1,730 $3,163
Dutch Island $1,962 $3,587
Savannah $1,596 $2,918
Chatham County $1,668 $3,049
Vernonburg $2,349 $4,294

Montgomery, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,601
Excellent (740-799) $1,828
Good (670-739) $1,944
Average (580-669) $2,537
Poor (300-579) $3,044

Montgomery, GA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Lee Hill & Rowe Insurors Travelers 7031 Hodgson Memorial Dr, Savannah, 31406 None
James C Grusheski Allstate 401 Eisenhower Dr, Savannah, 31406 (912) 352-7620
Johnny Moran State Farm 5208 Waters Ave, Savannah, 31404-6230 912-351-6800
Stevens, Hale & Associates None 7391 Hodgson Memorial Dr 7391 Hodgson Memorial Dr, Savannah, 31406 None
R M Bush & Company Nationwide 340 Eisenhower Dr Suite A, Savannah, 31406-2600 (912) 356-0266
Harold Jenkins Allstate 111 Tibet Ave Ste B, Savannah, 31406 (912) 927-7200
Sherrill & Company Liberty Mutual Independent 7805 WATERS AVE STE 10A, SAVANNAH, 31406 912-353-7200
David Pence Allstate 15 E Montgomery Cross Rd Ste F, Savannah, 31406 (912) 961-9617
Clanton Insurance Agency Inc Travelers 9100 WHITE BLUFF ROAD STE 404, SAVANNAH, 31406 912-925-2929
Corish & Company, Inc. None 6811 Waters Ave, Savannah, 31406 None

Montgomery, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$82 $1,948
Driver's Failure In Showing Documents +$181 $2,047
Driving With An Expired Registration +$192 $2,058
Driving At A Considerably Slow Pace +$405 $2,271
Using A Cellphone While Driving +$427 $2,293
Running A Red Light +$435 $2,301
Speeding +$457 $2,323
Driving A Vehicle Without The Required Permission +$580 $2,446
Driving With An Expired/Suspended License +$1,258 $3,124

Montgomery, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,791
Active Disabling Device $1,791
Tracking Device $1,754
Passive Disabling Device $1,735