Owner Operator Insurance Requirements Montgomery, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Montgomery, Alabama. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Montgomery, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Montgomery, Alabama in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Montgomery is the capital city of the U.S. state of Alabama and the county seat of Montgomery County. Named for Continental Army Major General Richard Montgomery, it stands beside the Alabama River, on the coastal Plain of the Gulf of Mexico. In the 2020 census, Montgomery’s population was 200,603. It is the second most populous city in Alabama, after Huntsville, and is the 119th most populous in the United States. The Montgomery Metropolitan Statistical Area’s population in 2020 was 386,047; it is the fourth largest in the state and 142nd among United States metropolitan areas.
The city was incorporated in 1819 as a merger of two towns situated along the Alabama River. It became the state capital in 1846, representing the shift of power to the south-central area of Alabama with the growth of cotton as a commodity crop of the Black Belt and the rise of Mobile as a mercantile port on the Gulf Coast. In February 1861, Montgomery was chosen the first capital of the Confederate States of America, which it remained until the Confederate seat of government moved to Richmond, Virginia, in May of that year. In the middle of the 20th century, Montgomery was a major center of events and protests in the Civil Rights Movement, including the Montgomery bus boycott and the Selma to Montgomery marches.
In addition to housing many Alabama government agencies, Montgomery has a large military presence, due to Maxwell Air Force Base; public universities Alabama State University, Troy University (Montgomery campus), and Auburn University at Montgomery; two private post-secondary institutions, Faulkner University and Huntingdon College; high-tech manufacturing, including Hyundai Motor Manufacturing Alabama; and many cultural attractions, such as the Alabama Shakespeare Festival and the Montgomery Museum of Fine Arts.
Two ships of the United States Navy have been named after the city, including USS Montgomery.
Montgomery has also been recognized nationally for its downtown revitalization and new urbanism projects. It was one of the first cities in the nation to implement SmartCode Zoning.
Prior to European colonization, the east bank of the Alabama River was inhabited by the Alibamu tribe of Native Americans. The Alibamu and the Coushatta, who lived on the west side of the river, were descended from the Mississippian culture. This civilization had numerous chiefdoms throughout the Midwest and South along the Mississippi and its tributaries, and had built massive earthwork mounds as part of their society about 950–1250 AD. Its largest location was at Cahokia, in present-day Illinois east of St. Louis.
The historic tribes spoke mutually intelligible Muskogean languages, which were closely related. Present-day Montgomery is built on the site of two Alibamu towns: Ikanatchati (Ekanchattee or Ecunchatty or Econachatee), meaning “red earth;” and Towassa, built on a bluff called Chunnaanaauga Chatty. The first Europeans to travel through central Alabama were Hernando de Soto and his expedition, who in 1540 recorded going through Ikanatchati and camping for one week in Towassa.
The next recorded European encounter occurred more than a century later, when an English expedition from Carolina went down the Alabama River in 1697. The first permanent European settler in the Montgomery area was James McQueen, a Scots trader who settled there in 1716. He married a high-status woman in the Coushatta or Alabama tribe. Their mixed-race children were considered Muskogean, as both tribes had a matrilineal system of property and descent. The children were always considered born into their mother’s clan, and gained their status from her people.
In 1785, Abraham Mordecai, a war veteran from a Sephardic Jewish family of Philadelphia, Pennsylvania, established a trading post. The Coushatta and Alabama had gradually moved south and west in the tidal plain. After the French were defeated by the British in 1763 in the Seven Years’ War and ceded control of their lands, these Native American peoples moved to parts of present-day Mississippi, Louisiana, and Texas, then areas of Spanish rule, which they thought more favorable than British-held areas. By the time Mordecai arrived, Creek had migrated into and settled in the area, as they were moving away from Cherokee and Iroquois warfare to the north. Mordecai married a Creek woman. When her people had to cede most of their lands after the 1813-14 Creek War, she joined them in removal to Indian Territory. Mordecai brought the first cotton gin to Alabama.
The Upper Creek were able to discourage most white immigration until after the conclusion of the Creek War. Following their defeat by General Andrew Jackson in August 1814, the Creek tribes were forced to cede 23 million acres to the United States, including remaining land in today’s Georgia and most of today’s central and southern Alabama. In 1816, the Mississippi Territory (1798–1817) organized Montgomery County. Its former Creek lands were sold off the next year at the federal land office in Milledgeville, Georgia.
The first group of white settlers to come to the Montgomery area was headed by General John Scott. This group founded Alabama Town about 2 miles (3 km) downstream on the Alabama River from present-day downtown Montgomery. In June 1818, county courts were moved from Fort Jackson to Alabama Town. Alabama was admitted to the Union in December 1819.
Soon after, Andrew Dexter Jr. founded New Philadelphia, the present-day eastern part of downtown. He envisioned a prominent future for his town; he set aside a hilltop known as “Goat Hill” as the future site of the state capitol building. New Philadelphia soon prospered, and Scott and his associates built a new town adjacent, calling it East Alabama Town. Originally rivals, the towns merged on December 3, 1819, and were incorporated as the town of Montgomery.
The name Montgomery came from Richard Montgomery, a Revolutionary War general.
Slave traders used the Alabama River to deliver slaves to planters as laborers to work the cotton. Buoyed by the revenues of the cotton trade at a time of high market demand, the newly united Montgomery grew quickly. In 1822, the city was designated as the county seat. A new courthouse was built at the present location of Court Square, at the foot of Market Street (now Dexter Avenue). Court Square had one of the largest slave markets in the South. The state capital was moved from Tuscaloosa to Montgomery, on January 28, 1846.
As state capital, Montgomery began to influence state politics, and it would also play a prominent role on the national stage. Beginning February 4, 1861, representatives from Alabama, Georgia, Florida, Louisiana, Mississippi, and South Carolina met in Montgomery, host of the Southern Convention, to form the Confederate States of America. Montgomery was named the first capital of the nation, and Jefferson Davis was inaugurated as president on the steps of the State Capitol. (The capital was later moved to Richmond, Virginia.)
On April 12, 1865, following the Battle of Selma, Major General James H. Wilson captured Montgomery for the Union.
In 1886 Montgomery became the first city in the United States to install citywide electric streetcars along a system that was nicknamed the Lightning Route. Residents followed the streetcar lines to settle in new housing in what were then “suburban” locations.
As the Reconstruction era ended, mayor W. L. Moses asked the state legislature to gerrymander city boundaries. It complied and removed the districts where African Americans lived, restoring white supremacy to the city’s demographics and electorate. This prevented African Americans from being elected in the municipality and denied them city services.
On February 12, 1946, a a devastating and deadly tornado struck the western portion of the city. The tornado killed 26 people, injured 293 others, and caused a city-wide blackout which lasted for hours.The United States Weather Bureau would describe this tornado as “the most officially observed one in history”.
In the post-World War II era, returning African-American veterans were among those who became active in pushing to regain their civil rights in the South: to be allowed to vote and participate in politics, to freely use public places, to end segregation. According to the historian David Beito of the University of Alabama, African Americans in Montgomery “nurtured the modern civil rights movement.” African Americans comprised most of the customers on the city buses, but were forced to give up seats and even stand in order to make room for whites. On December 1, 1955, Rosa Parks was arrested for refusing to give up her bus seat to a white man, sparking the Montgomery bus boycott. Martin Luther King Jr., then the pastor of Dexter Avenue Baptist Church, and E.D. Nixon, a local civil rights advocate, founded the Montgomery Improvement Association to organize the boycott. In June 1956, the US District Court Judge Frank M. Johnson ruled that Montgomery’s bus racial segregation was unconstitutional. After the US Supreme Court upheld the ruling in November, the city desegregated the bus system, and the boycott was ended.
In separate action, integrated teams of Freedom Riders rode South on interstate buses. In violation of federal law and the constitution, bus companies had for decades acceded to state laws and required passengers to occupy segregated seating in Southern states. Opponents of the push for integration organized mob violence at stops along the Freedom Ride. In Montgomery, there was police collaboration when a white mob attacked Freedom Riders at the Greyhound Bus Station in May 1961. Outraged national reaction resulted in the enforcement of desegregation of interstate public transportation.
Martin Luther King Jr. returned to Montgomery in 1965. Local civil rights leaders in Selma had been protesting Jim Crow laws and practices that raised barriers to blacks registering to vote. Following the shooting of a man after a civil rights rally, the leaders decided to march to Montgomery to petition Governor George Wallace to allow free voter registration. The violence they encountered from county and state highway police outraged the country. The federal government ordered National Guard and troops to protect the marchers. Thousands more joined the marchers on the way to Montgomery, and an estimated 25,000 marchers entered the capital to press for voting rights. These actions contributed to Congressional passage of the Voting Rights Act of 1965, to authorize federal supervision and enforcement of the rights of African Americans and other minorities to vote.
On February 7, 1967, a devastating fire broke out at Dale’s Penthouse, a restaurant and lounge on the top floor of the Walter Bragg Smith apartment building (now called Capital Towers) at 7 Clayton Street downtown. Twenty-six people died.
In recent years, Montgomery has grown and diversified its economy. Active in downtown revitalization, the city adopted a master plan in 2007; it includes the revitalization of Court Square and the riverfront, renewing the city’s connection to the river. Many other projects under construction include the revitalization of Historic Dexter Avenue, pedestrian and infrastructure improvements along the Selma to Montgomery National Historic Trail, and the construction of a new environmental park on West Fairview Avenue.
Montgomery is located at 32°21′42″N 86°16′45″W / 32.36167°N 86.27917°W.
According to the U.S. Census Bureau, the city has a total area of 156.2 square miles (405 km), of which 155.4 square miles (402 km) is land and 0.8 square miles (2.1 km) (0.52%) is water. The city is built over rolling terrain at an elevation of about 220 feet (67 m) above sea level.
Downtown Montgomery lies along the southern bank of the Alabama River, about 6 miles (10 km) downstream from the confluence of the Coosa and Tallapoosa rivers. The most prominent feature of Montgomery’s skyline is the 375 ft (114 m), RSA Tower, built in 1996 by the Retirement Systems of Alabama. Other prominent buildings include 60 Commerce Street, 8 Commerce Street, and the RSA Dexter Avenue Building. Downtown also contains many state and local government buildings, including the Alabama State Capitol. The Capitol is located atop a hill at one end of Dexter Avenue, along which also lies the Dexter Avenue Baptist Church, where Martin Luther King Jr. was pastor. Both the Capitol and Dexter Baptist Church are recognized as National Historic Landmarks by the U.S. Department of the Interior. Other notable buildings include RSA Dexter Avenue, RSA Headquarters, Alabama Center for Commerce, RSA Union, and the Renaissance Hotel and Spa.
One block south of the Capitol is the First White House of the Confederacy, the 1835 Italianate-style house in which President Jefferson Davis and family lived while the Confederate capital was in Montgomery. Montgomery’s third National Historic Landmark is Union Station. Passenger train service to Montgomery ceased in 1989. Today Union Station is part of the Riverfront Park development, which includes an amphitheater, a riverboat dock, a river walk, and Riverwalk Stadium.
The completion of a 112,000-square-foot (10,400 m) space in 2007, the Convention Center, has encouraged growth and activity in the downtown area and attracted more high-end retail and restaurants. Three blocks east of the Convention Center, Old Alabama Town showcases more than 50 restored buildings from the 19th century. The Riverwalk is part of a larger plan to revitalize the downtown area and connect it to the waterfront. The plan includes urban forestry, infill development, and façade renovation to encourage business and residential growth.
Other downtown developments include historic Dexter Avenue, which will be the center of a Market District. A $6 million streetscape project is improving its design. Maxwell Boulevard is home to the newly built Wright Brothers Park. High-end apartments are planned for this area. The Bell Building, located across from the Rosa Parks Library and Museum, is being redeveloped for mixed-use retail and residential space.
The National Memorial for Peace and Justice opened in downtown Montgomery on April 26, 2018. Founded by the Equal Justice Initiative, it acknowledges the historic past of racial terrorism and lynching in America.
South of downtown, across Interstate 85, lies Alabama State University. ASU’s campus was built in Colonial Revival architectural style from 1906 until the beginning of World War II. Surrounding ASU are the Garden District and Cloverdale Historic District. Houses in these areas date from around 1875 until 1949, and are in Late Victorian and Gothic Revival styles. Huntingdon College is on the southwestern edge of Cloverdale. The campus was built in the 1900s in Tudor Revival and Gothic Revival styles. ASU, the Garden District, Cloverdale, and Huntingdon are all listed on the National Register of Historic Places as historic districts.
Montgomery’s east side is the fastest-growing part of the city. Development of the Dalraida neighborhood, along Atlanta Highway, began in 1909, when developers Cook and Laurie bought land from the Ware plantation. A Scotsman, Georgie Laurie named the area for Dál Riata, a 6th-7th century Gaelic overkingdom; a subsequent misspelling in an advertisement led to the current spelling. The first lots were sold in 1914. The city’s two largest shopping malls (Eastdale Mall and The Shoppes at Eastchase), as well as many big-box stores and residential developments, are on the east side.
The area is also home of the Wynton M. Blount Cultural Park. This 240-acre (1.0 km) park contains the Alabama Shakespeare Festival and Montgomery Museum of Fine Arts.
Montgomery has been recognized nationally for its continuing downtown revitalization. In the early 2000s, the city constructed the Montgomery Biscuits minor league baseball stadium and Riverfront Park. Following those developments, hundreds of millions of dollars have been invested by private companies that have adapted old warehouses and office buildings into loft apartments, restaurants, retail, hotels, and businesses. The demand for downtown living space has risen, as people want to have walkable, lively neighborhoods. More than 500 apartment units are under construction, including The Heights on Maxwell Boulevard, The Market District on Dexter Avenue, the Kress Building on Dexter Avenue, The Bell Building on Montgomery Street, and a new complex by the convention center. Additionally, Montgomery has begun construction of a 50 million dollar white water park located off Air Force Boulevard.
Montgomery has a humid subtropical climate (Köppen Cfa), with short, mild winters, warm springs and autumns, and long, hot, humid summers. The daily average temperature in January is 46.6 °F (8.1 °C), and there are 3.4 days of sub 20 °F (−7 °C) lows; 10 °F (−12 °C) and below is extremely rare. The daily average in July is 81.8 °F (27.7 °C), with highs exceeding 90 °F (32.2 °C) on 86 days per year and 100 °F (37.8 °C) on 3.9. Summer afternoon heat indices, much more often than the actual air temperature, are frequently at or above 100 °F. The diurnal temperature variation tends to be large in spring and autumn. Rainfall is well-distributed throughout the year, though February, March and July are the wettest months, while October is significantly the driest month. Snowfall occurs only during some winters, and even then is usually light. Substantial snowstorms are rare, but do occur approximately once every 10 years. Extremes range from −5 °F (−21 °C) on February 13, 1899 to 107 °F (42 °C) on July 7, 1881.
Thunderstorms bring much of Montgomery’s rainfall. These are common during the summer months but occur throughout the year. Severe thunderstorms – producing large hail and damaging winds in addition to the usual hazards of lightning and heavy rain – can occasionally occur, particularly during the spring. Severe storms also bring a risk of tornadoes. Sometimes, tropical disturbances – some of which strike the Gulf Coast as hurricanes before losing intensity as they move inland – can bring very heavy rains.
As of the 2020 United States census, there were 200,603 people, 78,225 households, and 45,031 families residing in the city.
As of the 2010 census, the population of the city was 205,764. There were 81,486 households, out of which 29% had children under the age of 18 living with them. The racial makeup of the city was 37.3% White, 56.6% Black, 2.2% Asian, 0.2% Native American, 0.1% Pacific Islander, 2.2% from other races, and 1.3% from two or more races. 3.9% of the population were Hispanic or Latino of any race. Non-Hispanic Whites were 36.1% of the population in 2010, down from 66% in 1970. The population density varies in different parts of the city; East Montgomery (Taylor Rd and East), the non-Hispanic White population is 74.5%, 8.3% African American, Latino 3.2%, other non-white races carry 2.7% of the population.
The city population was spread out, with 24.9% under the age of 18, 11.7% from 18 to 24, 27.3% from 25 to 44, 24.2% from 45 to 64, and 11.8% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 88.6 males. For every 100 females age 18 and over, there were 84.5 males. The median income for a household in the city was $41,380, and the median income for a family was $53,125. Males had a median income of $40,255 versus $33,552 for females. The per capita income for the city was $23,139. About 18.2% of families and 21.6% of the population were below the poverty line, including 34.8% of those under age 18 and 8.4% of those age 65 or over.
Montgomery’s central location in Alabama’s Black Belt has long made it a processing hub for commodity crops such as cotton, peanuts, and soybeans. In 1840 Montgomery County led the state in cotton production, and by 1911, the city processed 160,000–200,000 bales of cotton annually. Montgomery has also had large metal fabrication and lumber production sectors.
Due to its location along the Alabama River and extensive rail connections, Montgomery has been and continues to be a regional distribution hub for a wide range of industries. Since the late 20th century, it has diversified its economy, achieving increased employment in sectors such as healthcare, business, government, and manufacturing. Today, the city’s Gross Metropolitan Product is $12.15 billion, representing 8.7% of the gross state product of Alabama.
According to Bureau of Labor Statistics data from October 2008, the largest sectors of non-agricultural employment were: Government, 24.3%; Trade, Transportation, and Utilities, 17.3% (including 11.0% in retail trade); Professional and Business Services, 11.9%; Manufacturing, 10.9%; Education and Health Services, 10.0% (including 8.5% in Health Care & Social Assistance); Leisure and Hospitality, 9.2%; Financial Activities, 6.0%, Natural Resources, Mining and Construction, 5.1%; Information, 1.4%; and Other services 4.0%. Unemployment for the same period was 5.7%, 2.5% higher than October 2007. The city also draws in workers from the surrounding area; Montgomery’s daytime population rises 17.4% to 239,101.
As of January 2011, Montgomery’s largest employers were Maxwell-Gunter Air Force Base (12,280 employees), the state of Alabama (9,500), Montgomery Public Schools (4,524), Baptist Health (4,300), Hyundai Motor Manufacturing Alabama (3,000), Alfa Insurance (2,568), the City of Montgomery (2,500), Jackson Hospital & Clinic (1,300), Rheem Water Heaters (1,147), and Regions (977).
According to Pennsylvania State University’s Living Wage Calculator, the living wage for the city is US$8.02 per hour (or $16,691 per year) for an individual and $25.80 per hour ($53,662 per year) for a family of four. These are slightly higher than the state averages of $7.45 per hour for an individual and $25.36 for a family of four.
Montgomery serves as a hub for healthcare in the central Alabama and Black Belt region. Hospitals located in the city include Baptist Medical Center South on South East Boulevard, Baptist Medical Center East next to the campus of Auburn University Montgomery on Taylor Road, and Jackson Hospital, which is located next to Oak Park off interstate 85. Montgomery is also home to two medical school campuses: Baptist Medical Center South (run by University of Alabama at Birmingham) and Jackson Hospital (run by Alabama Medical Education Consortium).
Montgomery operates under a Mayor–council government system. The mayor and council members are elected to four-year terms. The current mayor is Steven Reed, who was elected as the city’s first African-American mayor in a runoff election which was held on October 8, 2019. The city is served by a nine-member city council, elected from nine single-member districts of equal size population.
As the seat of Montgomery County, the city is the location of county courts and the county commission, elected separately. Montgomery is the capital of Alabama, and hosts numerous state government offices, including the office of the Governor, the Alabama Legislature, and the Alabama Supreme Court.
At the federal level, Montgomery is part of Alabama’s 2nd, 7th, and 3rd Congressional district, currently represented by Barry Moore, Terri Sewell, and Mike Rogers, respectively. The 7th represents most of Western Montgomery, the 2nd Southern and Northern Montgomery, and the 3rd Eastern Montgomery.
Montgomery’s violent crime rates compare unfavorably to other large cities in the state. In 2009, Montgomery’s crime rates were favorable compared to other large Alabamian cities such as Huntsville, Mobile, and Birmingham. However, crime rose in the 2010s and early 2020s, leading to a record high of over 320 shooting victims and over 77 homicide victims in 2021. In 2022 Montgomery’s violent crime rate was 514 per 100,000, earning only a crime score rating of 9/100. For property crimes, Montgomery’s average is similar to Alabama’s other large cities, but higher than the overall state and national averages.
Montgomery has more than 1,600 acres of parkland, which are maintained and operated by the City of Montgomery Parks and Recreation Department. The department also operates 24 community centers, a skate park, two golf courses (Lagoon Park and Gateway Park), Cramton Bowl Stadium and Multiplex, two tennis centers (Lagoon Park and O’Conner), 65 playgrounds, 90 baseball/softball fields, 24 soccer fields including the Emory Folmar Soccer Facility, and one riverboat. An environmental park is under construction along West Fairview Avenue close to Interstate 65.
Montgomery has one of the biggest arts scenes of any mid-sized city in America. The Winton M. Blount Cultural Park (named for Winton M. Blount) in east Montgomery is home to the Montgomery Museum of Fine Arts. The museum’s permanent collections include American art and sculpture, Southern art, master prints from European masters, and collections of porcelain and glass works. The Society of Arts and Crafts operates a co-op gallery for local artists.
Montgomery Zoo holds more than 500 animals, from five continents, in 40 acres (0.16 km) of barrier-free habitats. The Hank Williams Museum contains one of the largest collections of Williams memorabilia in the world. The Museum of Alabama serves as the official state history museum and is located in the Alabama Department of Archives and History building downtown. This museum was renovated and expanded in 2013 in a $10 million project that includes technological upgrades and many new exhibits and displays. The W. A. Gayle Planetarium, operated by Troy University, is one of the largest in the southeast United States and offers tours of the night sky and shows about current topics in astronomy. The planetarium was upgraded to a full-dome digital projector in 2014.
Blount Park also contains the Alabama Shakespeare Festival’s Carolyn Blount Theatre. The Shakespeare Festival presents year-round performances of both classic plays and performances of local interest, in addition to works of William Shakespeare. The 1200-seat Davis Theatre for the Performing Arts, on the Troy University at Montgomery campus, opened in 1930 and was renovated in 1983. It houses the Montgomery Symphony Orchestra, Alabama Dance Theatre and Montgomery Ballet, as well as other theatrical productions. The Symphony has been performing in Montgomery since 1979. The Capri Theatre in Cloverdale was built in 1941, and today shows independent films. The 1800-seat state-of-the-art Montgomery Performing Arts Center opened inside the newly renovated convention center downtown in 2007. It hosts a range of performances, from Broadway plays to concerts, and performers such as BB King, Gregg Allman, and Merle Haggard.
Numerous musical performers have roots in Montgomery: Toni Tennille of the duo The Captain and Tennille, jazz singer and pianist Nat King Cole, country singer Hank Williams, blues singer Big Mama Thornton, Melvin Franklin of The Temptations, and guitarist Tommy Shaw of Styx.
Author and artist Zelda Sayre was born in Montgomery. In 1918, she met F. Scott Fitzgerald, then a young soldier stationed at an Army post nearby. The house where they lived when first married is today operated as the F. Scott and Zelda Fitzgerald Museum. Poet Sidney Lanier lived in Montgomery and Prattville immediately after the Civil War, while writing his novel Tiger Lilies.
In addition to those notable earlier musicians, some of the rock bands from Montgomery have achieved national success since the late 20th century. Locals artists Trust Company were signed to Geffen Records in 2002. Hot Rod Circuit formed in Montgomery in 1997 under the name Antidote, but achieved success with Vagrant Records after moving to Connecticut.
Montgomery is home of the Montgomery Biscuits baseball team. The Biscuits play in the Class AA Southern League. They are affiliated with the Tampa Bay Rays, and play at Montgomery Riverwalk Stadium. Riverwalk Stadium hosted the NCAA Division II National Baseball Championship from 2004 until 2007. The championship had previously been played at Paterson Field in Montgomery from 1985 until 2003. Riverwalk Stadium has also been host to two Southern League All-Star games in 2006 and 2015.
The Yokohama Tire LPGA Classic women’s golf event is held at the Robert Trent Jones Golf Trail at Capitol Hill in nearby Prattville. Garrett Coliseum was the home of the now-defunct Montgomery Bears indoor football team.
Montgomery is also the site of sporting events hosted by the area’s colleges and universities. The Alabama State University Hornets play in NCAA Division I competition in the Southwestern Athletic Conference (SWAC). The football team plays at Hornet Stadium, the basketball teams play at the Dunn-Oliver Acadome, and the baseball team plays at the ASU Baseball Complex, which recently opened on March 26, 2010. Auburn University at Montgomery also fields teams in NAIA competition. Huntingdon College participates at the NCAA Division III level and Faulkner University is a member of the NAIA and is a nearby rival of Auburn University at Montgomery. The Blue–Gray Football Classic was an annual college football all-star game held from 1938 until 2001. In 2009, the city played host to the first annual Historical Black College and University (HBCU) All-Star Football Bowl played at Cramton Bowl. Beginning in 2014 Montgomery will be host to the Southern Intercollegiate Athletic Conference football championship; this will take place in Cramton Bowl. Starting in December 2014, Montgomery will host the Camellia Bowl at the Cramton Bowl as part of the annual college football bowl game schedule. Montgomery annually hosts the Max Capital City Classic inside Riverwalk Stadium which is a baseball game between big rivals Auburn University and The University of Alabama.
Several successful professional athletes hail from Montgomery, including Pro Football Hall of Famer Bart Starr and two-time Olympic gold medalist in track and field Alonzo Babers.
The city was host to the 2015 World Firefighter Combat Challenge. It aired on ESPN in October of that year.
In 2016 Montgomery was also the host city to the National Horseshoe Pitchers Association World Horseshoe Tournament.
Montgomery has many active governmental and nonprofit civic organizations. City funded organizations include the Montgomery Clean City Commission (a Keep America Beautiful Affiliate) which works to promote cleanliness and environmental awareness. BONDS (Building Our Neighborhoods for Development and Success) which works to engage citizens about city/nonprofit programs, coordinates/assists neighborhood associations, and works to promote neighborhood and civic pride amongst Montgomery residents.
A number of organizations are focused on diversity relations and the city’s rich civil rights history. Leadership Montgomery provides citizenship training. Bridge Builders Alabama works with high school youth to promote diversity and civic engagement. The group One Montgomery was founded in 1983 and is a forum for networking of a diverse group of citizens active in civic affairs. Montgomery is also home to The Legacy Museum, Civil Rights Memorial, The National Memorial for Peace and Justice, Freedom Rides Museum, the National Center for the Study of Civil Rights and African-American Culture, and the Rosa Parks Library and Museum.
Most of the city of Montgomery and Montgomery County are served by the Montgomery Public Schools system. As of 2007, there were 32,520 students enrolled in the system, and 2,382 teachers employed. The system manages 32 elementary schools, 10 middle schools, and 5 high schools as well as 9 magnet schools, 1 alternative school, and 2 special education centers. Montgomery is one of the only cities in Alabama to host three public schools with International Baccalaureate programs. In 2007, Forest Avenue Academic Magnet Elementary School and in 2015, Bear Exploration Center were named a National Blue Ribbon School. In 2022, LAMP High School was named the No. 7 magnet school in the United States and No. 1 public high school in the state of Alabama on U.S. News & World Report‘s list. Three other Montgomery Public Schools high schools were also on the list, the most of any public school system in the state (BTW Magnet, Brewbaker Technology Magnet, and George Washington Carver High School).
Maxwell Air Force Base is zoned to Department of Defense Education Activity (DoDEA) schools for grades K-8. The DoDEA operates Maxwell Air Force Base Elementary/Middle School. For high school Maxwell AFB residents are zoned to Montgomery Public Schools facilities: residents of the main base are zoned to Carver High, while residents of the Gunner Annex are zoned to Robert E. Lee High School. Residents may attend magnet schools.
Montgomery is also home to 28 private schools.
The Montgomery City-County Public Library operates eleven public libraries in locations throughout the city and county.
The city is home to Alabama’s oldest law library, the Supreme Court and State Law Library, founded in 1828. Located in the Heflin-Torbert Judicial Building, the Law Library owns a rare book collection containing works printed as early as 1605.
Montgomery has been the home of Alabama State University, a historically black university, since the Lincoln Normal University for Teachers relocated from Marion in 1887. Today, ASU is the second largest HBCU in Alabama enrolling nearly 5,000 students from 42 U.S. states and 7 countries. The public Troy University maintains a 3,000 student population campus in downtown Montgomery that houses the Rosa Parks Library and Museum. Another public institution, Auburn University at Montgomery, with an enrollment of nearly 5,000 mostly from the Montgomery area, is in the eastern part of the city. Montgomery’s Baptist Medical Center South also hosts a branch of the University of Alabama Birmingham medical school on its campus on the Eastern Boulevard.
Montgomery also is home to several private colleges: Faulkner University, which has an enrollment of 3,500, is a Church of Christ-affiliated school which is home to the Thomas Goode Jones School of Law. Huntingdon College, which has a current student population of 1,000 and is affiliated with the United Methodist Church; Virginia College and Amridge University.
Several two-year colleges have campuses in Montgomery, including H. Councill Trenholm State Technical College
Maxwell Air Force Base is the headquarters for Air University, the United States Air Force’s center for professional military education. Branches of Air University based in Montgomery include the Squadron Officer School, the Air Command and Staff College, the Air War College, and the Community College of the Air Force.
The morning newspaper, the Montgomery Advertiser, began publication as The Planter’s Gazette in 1829. It is the principal newspaper of central Alabama and is affiliated with the Gannett Corporation. In 1970, then publisher Harold E. Martin won the Pulitzer Prize for special reporting while at the Advertiser. The Alabama Journal was a local afternoon paper from 1899 until April 16, 1993, when it published its last issue before merging with the morning Advertiser.
Montgomery is served by seven local television stations: WNCF 32 (ABC), WSFA 12 (NBC), WCOV 20 (Fox), WBMM 22 (CW), WAIQ 26 (PBS), WMCF-TV 45 (TBN), WFRZ-LD 33 (Religious and Educational). In addition, WAKA 8 (CBS), licensed to Selma but operating out of Montgomery, and WBIH 29 (independent) located in Selma, and WIYC 67 (AMV) is licensed to Troy. Montgomery is part of the Montgomery-Selma Designated Market Area (DMA), which is ranked 118th nationally by Nielsen Media Research. Charter Communications and Knology provide cable television service. DirecTV and Dish Network provide direct broadcast satellite television including both local and national channels to area residents.
The Montgomery area is served by eight AM radio stations: WMSP, WMGY, WZKD, WTBF, WGMP, WAPZ, WLWI, and WXVI; and nineteen FM stations: WJSP, WAPR, WELL, WLBF, WTSU, WVAS, WLWI, WXFX, WQKS, WWMG, WVRV, WJWZ, WBAM, WALX, WHHY, WMXS, WHLW, WZHT, and WMRK. Montgomery is ranked 150th largest by Arbitron.
NOAA Weather Radio station KIH55 broadcasts weather and hazard information for Montgomery and vicinity.
Two interstate highways run through Montgomery. Interstate 65 is the primary north–south freeway through the city leading between Birmingham and Huntsville to the north and Mobile to the south. Montgomery is the southern terminus of Interstate 85, another north–south freeway (though running east–west in the city), which leads northeast to Atlanta and Charlotte. The major surface street thoroughfare is a loop consisting of State Route 152 in the north, U.S. Highway 231 and U.S. Highway 80 in the east, U.S. Highway 82 in the south, and U.S. Highway 31 along the west of the city. The Alabama Department of Transportation is planning the Outer Montgomery Loop to ease traffic congestion in the city. It is planned to connect Interstate 85 near Mt. Meigs to U.S. Highway 80 southwest of the city. Upon completion of the loop, it will carry the I-85 designation while the original I-85 into the city center will be redesignated I-685.
Montgomery Area Transit System (The M) provides public transportation with buses serving the city. The system has 32 buses providing an average of 4500 passenger trips daily. The M’s ridership has shown steady growth since the system was revamped in 2000; the system served over 1 million passenger trips in 2007. Greyhound Lines operates a terminal in Montgomery for intercity bus travel; Megabus (North America) also operates in the city out of the downtown Intermodal Transit Facility.
Montgomery Regional Airport, also known as Dannelly Field, is the major airport serving Montgomery. It serves primarily as an Air National Guard base and for general aviation, but commercial airlines fly to regional connections to Atlanta, Dallas–Fort Worth and Charlotte.
Passenger rail service to Montgomery was enhanced in 1898 with the opening of Union Station. Service continued until 1979, when Amtrak terminated its Floridian route. Amtrak returned from 1989 until 1995 with the Gulf Breeze, an extension of the Crescent line.
According to the 2016 American Community Survey, 84.3% of working city of Montgomery residents commuted by driving alone, 8.8% carpooled, 0.4% used public transportation, and 0.6% walked. About 3.5% used all other forms of transportation, including taxicab, motorcycle, and bicycle. About 5.9% of working city of Montgomery residents worked at home. Despite the high level of commuting by automobile, 8.5% of city of Montgomery households were without a car in 2015, which increased to 11% in 2016. The national average was 8.7 percent in 2016. Montgomery averaged 1.62 cars per household in 2016, compared to a national average of 1.8 per household.
Montgomery has one sister city: