Montenegro manager Branko Brnovic suggested the Three Lions are “scared” ahead of the crunch tie after the visitors questioned the state of the hosts’ pitch.
However, Gerrard believes Brnovic’s jibes prove Montenegro are nervous, knowing an England victory would send Roy Hodgson’s men to the top of Group H.
“Talking doesn’t win you football matches,” Gerrard said. “I’m not really too interested in what they’ve got to say in their press conference. Or in ours, to be honest.
“I’m more interested in how the lads play in on Tuesday when the first whistle goes.
“It just shows we’ve got them exactly where we want them.”
England manager Hodgson also played down any concerns over Wayne Rooney’s disciplinary record for the national side.
The Manchester United forward was sent off in a 2-2 draw in England’s last trip to Podgorica, but the Three Lions boss does not envisage any similar problems on Tuesday.
“I trust he will go out and play like Wayne Rooney,” he said.
“But you are talking about something which is very much in the realms of psychology and it is impossible to give an honest answer to those kinds of questions.”
MORE: Man United latest news
MORE: Arsenal latest news
MORE: Chelsea latest news
MORE: Liverpool latest news