Best Helena, Montana Auto Insurance in 2024
The average Helena, MT auto insurance rates are $241 per month. The minimum auto insurance in Helena is at least 25/50/20 in coverage to comply with Montana auto insurance laws. To find the best cheap auto insurance in Helena, Montana, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Helena, Montana is 25/50/20
- Average auto insurance rates in Helena, MT for senior drivers are $1,838 per year
- The cheapest auto insurance company in Helena is Liberty Mutual
Helena, Montana auto insurance requirements are 25/50/20 according to Montana auto insurance laws. Finding cheap auto insurance in Helena 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 Helena, Montana, including driving record, credit, commute time, and more.
Compare auto insurance in Helena to other Montana cities, including Great Falls auto insurance rates, Havre auto insurance rates, and Billings auto insurance rates to see how Helena, Montana auto insurance rates stack up.
Before you buy Helena, Montana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Helena, Montana auto insurance quotes.
Minimum Auto Insurance in Helena, Montana
Helena, Montana auto insurance laws require that you have at least the Montana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Helena, Montana.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Helena, Montana Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Helena, Montana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,675 | $2,675 | $2,441 | $2,441 | $10,096 | $10,096 | $2,891 | $2,891 |
| Farmers | $2,578 | $2,578 | $2,308 | $2,308 | $7,305 | $7,305 | $2,830 | $2,830 |
| Geico | $2,284 | $2,134 | $2,230 | $2,033 | $5,543 | $5,159 | $1,956 | $1,783 |
| Liberty Mutual | $911 | $911 | $895 | $895 | $1,968 | $1,968 | $1,107 | $1,107 |
| Nationwide | $2,331 | $2,331 | $2,137 | $2,137 | $4,701 | $4,701 | $2,466 | $2,466 |
| Progressive | $2,679 | $2,679 | $2,441 | $2,441 | $6,676 | $6,676 | $3,017 | $3,017 |
| State Farm | $1,452 | $1,452 | $1,289 | $1,289 | $4,376 | $4,376 | $1,577 | $1,577 |
| USAA | $1,184 | $1,184 | $1,063 | $1,063 | $3,957 | $3,957 | $1,465 | $1,465 |
Cheap Helena, Montana Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Helena, Montana is a challenge. Take a look at the annual teen auto insurance rates in Helena, Montana.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,096 | $10,096 |
| Farmers | $7,305 | $7,305 |
| Geico | $5,543 | $5,159 |
| Liberty Mutual | $1,968 | $1,968 |
| Nationwide | $4,701 | $4,701 |
| Progressive | $6,676 | $6,676 |
| State Farm | $4,376 | $4,376 |
| USAA | $3,957 | $3,957 |
Cheap Helena, Montana Auto Insurance for Seniors
What are senior auto insurance rates in Helena, Montana? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,441 | $2,441 |
| Farmers | $2,308 | $2,308 |
| Geico | $2,230 | $2,033 |
| Liberty Mutual | $895 | $895 |
| Nationwide | $2,137 | $2,137 |
| Progressive | $2,441 | $2,441 |
| State Farm | $1,289 | $1,289 |
| USAA | $1,063 | $1,063 |
Cheap Helena, Montana 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 Helena, Montana compared to the annual auto insurance rates with a clean record in Helena, Montana.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,810 | $4,503 | $5,444 | $4,345 |
| Farmers | $3,292 | $4,271 | $4,165 | $3,292 |
| Geico | $1,862 | $2,941 | $4,534 | $2,224 |
| Liberty Mutual | $822 | $1,456 | $1,456 | $1,148 |
| Nationwide | $2,144 | $3,039 | $3,882 | $2,570 |
| Progressive | $3,177 | $4,150 | $3,948 | $3,537 |
| State Farm | $2,010 | $2,337 | $2,173 | $2,173 |
| USAA | $1,437 | $1,797 | $2,682 | $1,752 |
Cheap Helena, Montana Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Helena, Montana is not easy. Compare the annual rates for DUI auto insurance in Helena, Montana to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,444 |
| Farmers | $4,165 |
| Geico | $4,534 |
| Liberty Mutual | $1,456 |
| Nationwide | $3,882 |
| Progressive | $3,948 |
| State Farm | $2,173 |
| USAA | $2,682 |
Cheap Helena, Montana Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Helena, Montana annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,476 | $4,374 | $3,727 |
| Farmers | $4,415 | $3,526 | $3,325 |
| Geico | $4,553 | $2,427 | $1,691 |
| Liberty Mutual | $1,221 | $1,221 | $1,221 |
| Nationwide | $3,657 | $2,669 | $2,400 |
| Progressive | $4,444 | $3,442 | $3,224 |
| State Farm | $3,120 | $1,904 | $1,496 |
| USAA | $2,568 | $1,756 | $1,428 |
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Cheap Helena, Montana Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Helena, Montana can vary. Compare the annual cost of auto insurance by ZIP code in Helena, Montana to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 59601 | $2,952 |
| 59602 | $2,946 |
| 59625 | $2,976 |
| 59626 | $2,947 |
Cheap Helena, Montana Auto Insurance Rates By Commute
Commute length and annual mileage affect Helena, Montana auto insurance. Find the cheapest annual Helena, Montana auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,419 | $4,632 |
| Farmers | $3,755 | $3,755 |
| Geico | $2,839 | $2,941 |
| Liberty Mutual | $1,221 | $1,221 |
| Nationwide | $2,909 | $2,909 |
| Progressive | $3,703 | $3,703 |
| State Farm | $2,109 | $2,237 |
| USAA | $1,895 | $1,940 |
Cheap Helena, Montana Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Helena, Montana? Check out the comparison of annual Helena, Montana auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,303 | $4,515 | $4,759 |
| Farmers | $3,448 | $3,750 | $4,068 |
| Geico | $2,740 | $2,864 | $3,067 |
| Liberty Mutual | $1,123 | $1,224 | $1,314 |
| Nationwide | $2,214 | $3,086 | $3,426 |
| Progressive | $3,459 | $3,691 | $3,959 |
| State Farm | $2,032 | $2,164 | $2,325 |
| USAA | $1,822 | $1,906 | $2,023 |
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Best By Category: Cheapest Auto Insurance in Helena, Montana
Compare the cheapest auto insurance companies in Helena, Montana in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
The Cheapest Helena, Montana Auto Insurance Companies
What auto insurance companies in Helena, Montana are the cheapest? Compare the top Helena, Montana auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,526 |
| Farmers | $3,755 |
| Geico | $2,890 |
| Liberty Mutual | $1,221 |
| Nationwide | $2,909 |
| Progressive | $3,703 |
| State Farm | $2,173 |
| USAA | $1,917 |
What affects auto insurance rates in Helena, Montana?
There are a lot of reasons why auto insurance rates in Helena, Montana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Helena, Montana. Many local factors may affect your Helena auto insurance rates.
Helena Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Helena, Montana auto theft statistics, there have been 136 auto thefts in the city.
Helena Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Helena, Montana commute length is 12.7 minutes according to City-Data.
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Compare Helena, Montana Auto Insurance Quotes
Before you buy Helena, Montana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Helena, Montana auto insurance quotes.
Frequently Asked Questions
What is the minimum auto insurance coverage required in Helena, Montana?
The minimum auto insurance required in Helena, Montana is 25/50/20. This means you need at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
What are the average auto insurance rates in Helena, MT?
The average auto insurance rates in Helena, MT are $241 per month. However, please note that rates can vary depending on various factors.
Does the coverage level selected impact auto insurance rates in Helena, Montana?
Yes, the coverage level you choose can impact auto insurance rates in Helena, Montana. Higher coverage levels often come with higher premiums, while lower coverage levels may have lower premiums but offer less protection in the event of an accident.
Is it possible to find discounts on auto insurance in Helena, Montana?
Yes, many insurance companies offer various discounts that can help you save on your auto insurance premiums. Some common discounts include multi-policy discounts, safe driver discounts, good student discounts, and discounts for anti-theft devices in your vehicle.
What factors determine the cost of auto insurance in Helena, Montana?
Several factors influence the cost of auto insurance in Helena, Montana. These include your age, gender, marital status, driving record, credit history, ZIP code, vehicle make and model, and the coverage level you choose.
Can I get auto insurance coverage for a classic car in Helena, Montana?
Yes, you can get auto insurance coverage for a classic car in Helena, Montana. Some insurance companies offer specialized coverage options for classic or antique vehicles. These policies often take into account the unique value and needs of classic cars.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.