Montgomery Insurance Rates:

Montgomery, AL home insurance is roughly $812 to $1,100, about $67-$91/month. Our comprehensive guide indicates shoppers can save as much as $382 by comparing multiple quotes

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Montgomery Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $300/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 1900 sqft Rental Property Constructed In 2001 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $330/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 4220 sqft Rental Property Constructed In 2005 with Wood Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Bath 2450 sqft Primary Residence Constructed In 2002 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $210/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1400 sqft Rental Property Constructed In 2014 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $480/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1980 sqft Rental Property Constructed In 1996 with Hardwood Flooring, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $660/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 4490 sqft Vacation Property Constructed In 2013 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $940/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Bath 2720 sqft Primary Residence Constructed In 1989 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $440/8 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Baths 1553 sqft Primary Residence Constructed In 1961 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Montgomery, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36104 $77,600 $940
36108 $72,000 $930
36107 $69,700 $930
36110 $64,000 $920
36105 $60,800 $920
36117 $186,300 $1,010
36106 $162,900 $1,000
36111 $132,300 $980
36109 $118,400 $960
36116 $110,800 $960

Montgomery Rates & Quotes Analysis:

Montgomery Area Estimated House Insurance
Schley St, Flagstaff Dr, Kirkwood Dr, Sagewood Dr, Caswell Ln, Atasi Dr, N Hilliard St, Countryside Ln, Phillip St, Mary St$1,003
Greythorne Pl, Washington Ferry Rd, Rosewood Dr, Short Leaf Pine Dr, Rick Dr, Rice St, Jamac Ln, East St, George Mull St, Cheswick Ct$930
Hibiscus St, Hope Dr, Holmes Way, Smallbrook Dr, Highpoint Rd, Melton Rd, Cedar Pines Rd, Eddins Rd, Knollgate Rd, Blair Pl$940
Penn Rd, Forest Edge Pl, Treat Rd, Woodmere Blvd, Overhill Rd, Finley Ave, Putnam St, Duff St, Heath Dr, Hilmar Ct$979
Forest Grove Dr, Festival Pl, N McCracken Ave, Whetstone Dr, Sanford St, Park Blvd, Wynford Cir, Tillman Ct, Cobb Ln, Mosswood Rd$942
Elm Dr, Bristlecone Dr, Teague Rd, Fieldstone Ct, Short St, Hilda Dr, S Lincoln Ter, Lakeridge Dr, N Union St, Ledyard Dr$924
Williams Stinson Rd, Mendel Pkwy E, Loxley Ln, Dunleith, Baldwin Brook Dr, Gundy St, Greythorne Way, Delta St, Lyndle Rd, Grande Ave$940
Warrenton Rd, Springfield Dr, Thurston Dr, Reid St, Newcomb Ave, Brewer Rd, Ashton Rd, Deeming St, Teresa St, Twin Lakes Dr W$928
Kenilworth St, Festival Dr, Festival Ln, Ray Thorington Rd, Ralston Way, Wildbriar Ln, N Wallace Dr, Euclid Cir, Peppertree Ln, Lakeside Ln$968
Eastwood Dr, Plantation Ridge Rd, Barberry St, Woodward Ave, Goodwyn Ct, S Morris Ave, Boys Club Rd, Westport Blvd, Floral Ln, Crystal Rd$946

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,523 Homes (15% of total homes ) built between 1990 to 1999 in Montgomery are paying home insurance between $1,379-$1,393. Places close to Montgomery, AL such as Pike Road, Blue Ridge, Redland are more expensive by $118, $97, $76 respectively while Coosada and Hope Hull are cheaper by $12 and $30 respectively for similar homes.
  • Bedrooms: 21,705 2 bedrooms homes (23% of total homes ) in Montgomery are paying about $698 and varies from Pike Road (+$60), Redland (+$39), Elmore (+$7), Coosada (-$5) and Hope Hull (-$24).
  • Auto Insurance Bundling: 19,798 Households (41% of all households) in Montgomery have 2 vehicles available and when it is bundled with home insurance you can save $191 in contrast with Montgomery County ($191), Coosada ($189), Hope Hull ($187).
  • Senior Discounts: 23,250 seniors (more than 55 years) occupied housing units (48% of total) in Montgomery get discounts between $143 to $145 and varies from Montgomery County ($143), Coosada ($142), Hope Hull ($140).
  • New Homes discounts: New homes such as the 36,197 homes built between 2000 to 2009 in Montgomery can save $191 and similar new home insurance discounts in nearby towns and cities like Montgomery County, Coosada and Hope Hull are $191, $189 and $187 respectively.

Montgomery Homeowners insurance Facts

  • Montgomery, AL has 47,879 owner occupied houses which is 59.8% of all units whereas Montgomery County, Coosada and Hope Hull have 62.13%, 78.22% and 72.41% respectively.
  • Montgomery, AL homeowners yearly insurance price at $956 is 0.8% of the typical house value of $119,700 which is in contrast with 0.78% in Montgomery County, 0.9% at Coosada & 1.09% in Hope Hull.
  • Homeowners in Montgomery, AL pay 2.55% of their income ($35,000 to $39,999) in insurance whereas homeowners in Montgomery County, Coosada and Hope Hull pay 2.55%, 2.53% and 2.49% respectively.
  • Montgomery, AL’s insurance is 6.8% of monthly housing costs of $1,167/month, for owners with a mortgage compared to 6.71% in Montgomery County, 6.85% at Coosada & 7.75% in Hope Hull. But, for households without a mortgage, insurance is 21.8% of costs ($365 in Montgomery, AL) in contrast with 21.69% in Montgomery County, 22.83% at Coosada & 19.19% in Hope Hull.

Montgomery, AL Home Values & Insurance rates

For example, insurance for 2,491 Homes (5.0% of total homes ) valued between $60,000 to $69,999 in Montgomery, AL is about $516. Rates in nearby areas in such as Montgomery County, Blue Ridge, Elmore are cheaper by $18, $230, $53 respectively while Coosada and Hope Hull are costlier by $62 and $185 respectively for similar homes.

Montgomery, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,209 11.0% $191
$50,000 to $59,999 1,628 3.0% $411
$60,000 to $69,999 2,491 5.0% $516
$70,000 to $79,999 3,163 7.0% $592
$80,000 to $89,999 3,248 7.0% $678
$90,000 to $99,999 3,326 7.0% $755
$100,000 to $124,999 6,180 13.0% $869
$125,000 to $149,999 5,110 11.0% $1089
$150,000 to $174,999 4,112 9.0% $1290
$175,000 to $199,999 2,846 6.0% $1491
$200,000 to $249,999 3,457 7.0% $1797
$250,000 to $299,999 2,036 4.0% $2198
$300,000 to $399,999 2,373 5.0% $2791

Renters Insurance in Montgomery

  • Average Renters Insurance in Montgomery :  $239($19/month)

  • Median Gross Rent in Montgomery :  $798

  • Montgomery Renters Insurance to Median Rent Ratio:  2.38%

  • Renter occupied housing units in Montgomery :  32,184

Montgomery Renters Insurance as a Percentage of Rent

Montgomery Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 478 1.0% $359
$200 to $299 1,001 3.0% $809
$300 to $499 2,305 7.0% $1259
$500 to $749 9,010 29.0% $1934
$750 to $999 10,401 34.0% $2684
$1,000 to $1,499 5,814 19.0% $3809
$1,500 or more 1,363 4.0% $5459

Protective device discount in Montgomery Up to :  $35

Claims-free discount in Montgomery Up to :  $47