Compare Charlo, MT Car Insurance Rates (2021)

Car insurance in Charlo, MT averages $273 a month. Charlo, Montana car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Charlo car insurance rates, compare quotes from the top car insurance companies in Charlo, MT.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Charlo for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Charlo is Liberty Mutual
  • Average car insurance rates in Charlo, MT are $3,273/year

If you need to buy Charlo, Montana car insurance, the options can be confusing. Everything you need to know about car insurance in Charlo, MT is right here.

You’ll find Charlo car insurance rates, the cheapest Charlo, MT car insurance companies, and information on Montana car insurance laws. You can also compare Charlo, Montana car insurance rates to Havre car insurance rates, Great Falls car insurance rates, and Missoula car insurance rates.

Ready to find affordable Charlo, MT car insurance today? Enter your ZIP code for fast, free Charlo car insurance quotes.

Cheapest Charlo, MT Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charlo, MT car insurance rates? Every Charlo, Montana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charlo, Montana

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 $2,926 $2,926 $2,683 $2,683 $11,315 $11,315 $3,153 $3,153
Farmers $2,647 $2,647 $2,383 $2,383 $7,431 $7,431 $2,900 $2,900
GEICO $2,693 $2,517 $2,628 $2,397 $6,561 $6,106 $2,309 $2,104
Liberty Mutual $1,085 $1,085 $1,063 $1,063 $2,261 $2,261 $1,305 $1,305
Nationwide $2,729 $2,729 $2,489 $2,489 $5,571 $5,571 $2,893 $2,893
Progressive $3,213 $3,213 $2,896 $2,896 $7,618 $7,618 $3,618 $3,618
State Farm $1,729 $1,729 $1,523 $1,523 $5,155 $5,155 $1,876 $1,876
USAA $1,329 $1,329 $1,189 $1,189 $4,454 $4,454 $1,651 $1,651

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Minimum Car Insurance in Charlo, MT

Every driver must carry the minimum car insurance in Charlo, MT. Take a look at the Montana car insurance requirements.

Minimum Required Car Insurance Coverage in Charlo, 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

Cheapest Charlo, MT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlo, MT. Compare credit history car insurance rates in Charlo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Charlo, Montana

Insurance Company Poor Fair Good
Allstate $6,066 $4,857 $4,135
Farmers $4,525 $3,601 $3,394
GEICO $5,379 $2,867 $1,997
Liberty Mutual $1,428 $1,428 $1,428
Nationwide $4,315 $3,127 $2,819
Progressive $5,239 $4,015 $3,754
State Farm $3,700 $2,249 $1,763
USAA $2,894 $1,972 $1,601

Cheapest Charlo, MT Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charlo, MT to rates for a clean record with top companies.

Annual Charlo, Montana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $4,992 $6,057 $4,816
Farmers $3,365 $4,369 $4,262 $3,365
GEICO $2,196 $3,474 $5,364 $2,624
Liberty Mutual $966 $1,698 $1,698 $1,351
Nationwide $2,496 $3,577 $4,602 $3,007
Progressive $3,737 $4,836 $4,622 $4,150
State Farm $2,389 $2,752 $2,570 $2,570
USAA $1,616 $2,021 $3,015 $1,971

Cheapest Charlo, MT Car Insurance for Teen Drivers

Teen car insurance in Charlo, MT can be expensive. Take a look at rates from the top car insurance companies in Charlo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charlo, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,315
Farmers $7,431 $7,431
GEICO $6,561 $6,106
Liberty Mutual $2,261 $2,261
Nationwide $5,571 $5,571
Progressive $7,618 $7,618
State Farm $5,155 $5,155
USAA $4,454 $4,454

Cheapest Charlo, MT Car Insurance for Seniors

Take a look at Charlo, MT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charlo, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,683 $2,683
Farmers $2,383 $2,383
GEICO $2,628 $2,397
Liberty Mutual $1,063 $1,063
Nationwide $2,489 $2,489
Progressive $2,896 $2,896
State Farm $1,523 $1,523
USAA $1,189 $1,189

Cheapest Charlo, MT Car Insurance Rates After a DUI

A DUI in Charlo, MT increases car insurance rates. Compare Charlo, Montana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charlo, Montana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,057
Farmers $4,262
GEICO $5,364
Liberty Mutual $1,698
Nationwide $4,602
Progressive $4,622
State Farm $2,570
USAA $3,015

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Cheapest Charlo, MT Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charlo, MT by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charlo, Montana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,900 $5,139
Farmers $3,840 $3,840
GEICO $3,354 $3,475
Liberty Mutual $1,428 $1,428
Nationwide $3,420 $3,420
Progressive $4,336 $4,336
State Farm $2,494 $2,647
USAA $2,130 $2,181

The Best Cheap Car Insurance Companies in Charlo, MT

Take a look at a side-by-side comparison of the top car insurance companies in Charlo, MT to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charlo, Montana

Insurance Company Average Annual Rates
Allstate $5,019
Farmers $3,840
GEICO $3,414
Liberty Mutual $1,428
Nationwide $3,420
Progressive $4,336
State Farm $2,571
USAA $2,156

Category Winners: Cheapest Car Insurance in Charlo, Montana

Find the cheapest car insurance companies in Charlo, MT for each category right here.

Best Annual Car Insurance Rates by Company in Charlo, Montana

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

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Cheapest Charlo, MT Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charlo car insurance rates. Find the cheapest Charlo, MT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charlo, Montana

Insurance Company Low Medium High
Allstate $4,760 $5,006 $5,291
Farmers $3,514 $3,836 $4,171
GEICO $3,250 $3,383 $3,610
Liberty Mutual $1,324 $1,432 $1,529
Nationwide $2,620 $3,641 $4,001
Progressive $4,074 $4,322 $4,612
State Farm $2,425 $2,561 $2,725
USAA $2,055 $2,144 $2,268

What affects car insurance rates in Charlo, Montana?

What factors can have an impact on Charlo, MT car insurance? There are several reasons why Charlo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charlo, Montana.

Traffic in Charlo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charlo, MT traffic data from INRIX ranks Charlo as the 218th-most congested in the world.

Compare Car Insurance Quotes in Charlo, MT

Ready to find affordable Charlo, Montana car insurance today? Enter your ZIP code for fast, free Charlo, MT car insurance quotes.

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