Compare Columbus, MT Car Insurance Rates (2021)

Car insurance in Columbus, MT averages $280 a month. Columbus, Montana car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Columbus car insurance rates, compare quotes from the top car insurance companies in Columbus, MT.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Columbus is Liberty Mutual
  • Average car insurance rates in Columbus, MT after a DUI are $4,151/year
  • Average car insurance rates in Columbus, MT are $3,357/year

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

You’ll find Columbus car insurance rates, the cheapest Columbus, MT car insurance companies, and information on Montana car insurance laws. You can also compare Columbus, Montana car insurance rates to Helena car insurance rates, Belgrade car insurance rates, and Havre car insurance rates.

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

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

How do age, gender, and marital status affect Columbus, MT car insurance rates? Every Columbus, 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 Columbus, 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 $2,805 $2,805 $2,557 $2,557 $10,635 $10,635 $3,033 $3,033
Farmers $2,844 $2,844 $2,542 $2,542 $7,918 $7,918 $3,124 $3,124
GEICO $3,134 $2,928 $3,057 $2,788 $7,655 $7,125 $2,687 $2,449
Liberty Mutual $1,105 $1,105 $1,079 $1,079 $2,172 $2,172 $1,309 $1,309
Nationwide $2,902 $2,902 $2,630 $2,630 $5,820 $5,820 $3,075 $3,075
Progressive $3,450 $3,450 $3,079 $3,079 $7,740 $7,740 $3,880 $3,880
State Farm $1,641 $1,641 $1,433 $1,433 $4,743 $4,743 $1,774 $1,774
USAA $1,316 $1,316 $1,166 $1,166 $4,089 $4,089 $1,661 $1,661

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Minimum Car Insurance in Columbus, MT

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

Minimum Required Car Insurance Coverage in Columbus, 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 Columbus, MT Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Columbus, Montana

Insurance Company Poor Fair Good
Allstate $5,741 $4,606 $3,925
Farmers $4,827 $3,857 $3,637
GEICO $6,267 $3,340 $2,326
Liberty Mutual $1,416 $1,416 $1,416
Nationwide $4,573 $3,279 $2,969
Progressive $5,520 $4,185 $3,907
State Farm $3,448 $2,099 $1,647
USAA $2,788 $1,875 $1,511

Cheapest Columbus, 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 Columbus, MT to rates for a clean record with top companies.

Annual Columbus, Montana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,000 $4,718 $5,742 $4,570
Farmers $3,601 $4,672 $4,554 $3,601
GEICO $2,556 $4,046 $6,256 $3,053
Liberty Mutual $969 $1,672 $1,672 $1,350
Nationwide $2,605 $3,774 $4,892 $3,156
Progressive $3,933 $5,022 $4,839 $4,355
State Farm $2,247 $2,549 $2,398 $2,398
USAA $1,556 $1,923 $2,852 $1,900

Cheapest Columbus, MT Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Columbus, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $10,635
Farmers $7,918 $7,918
GEICO $7,655 $7,125
Liberty Mutual $2,172 $2,172
Nationwide $5,820 $5,820
Progressive $7,740 $7,740
State Farm $4,743 $4,743
USAA $4,089 $4,089

Cheapest Columbus, MT Car Insurance for Seniors

Take a look at Columbus, 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 Columbus, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,557 $2,557
Farmers $2,542 $2,542
GEICO $3,057 $2,788
Liberty Mutual $1,079 $1,079
Nationwide $2,630 $2,630
Progressive $3,079 $3,079
State Farm $1,433 $1,433
USAA $1,166 $1,166

Cheapest Columbus, MT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbus, Montana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,742
Farmers $4,554
GEICO $6,256
Liberty Mutual $1,672
Nationwide $4,892
Progressive $4,839
State Farm $2,398
USAA $2,852

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Cheapest Columbus, MT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbus, Montana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,645 $4,870
Farmers $4,107 $4,107
GEICO $3,907 $4,048
Liberty Mutual $1,416 $1,416
Nationwide $3,607 $3,607
Progressive $4,537 $4,537
State Farm $2,327 $2,469
USAA $2,033 $2,083

The Best Cheap Car Insurance Companies in Columbus, MT

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

Average Annual Car Insurance Rates by Company in Columbus, Montana

Insurance Company Average Annual Rates
Allstate $4,757
Farmers $4,107
GEICO $3,978
Liberty Mutual $1,416
Nationwide $3,607
Progressive $4,537
State Farm $2,398
USAA $2,058

Category Winners: Cheapest Car Insurance in Columbus, Montana

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

Best Annual Car Insurance Rates by Company in Columbus, 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 Columbus, MT Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Columbus, Montana

Insurance Company Low Medium High
Allstate $4,578 $4,749 $4,946
Farmers $3,818 $4,103 $4,400
GEICO $3,850 $3,956 $4,127
Liberty Mutual $1,320 $1,420 $1,508
Nationwide $2,794 $3,848 $4,179
Progressive $4,279 $4,524 $4,809
State Farm $2,283 $2,388 $2,523
USAA $1,975 $2,048 $2,150

What affects car insurance rates in Columbus, Montana?

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

Car Theft in Columbus

High levels of vehicle theft can make car insurance more expensive. Columbus, MT car theft statistics from the FBI indicate 10 vehicle thefts a year.

Commute Time in Columbus

The more time you spend in your car the higher the risk of an accident. The average commute length in Columbus, MT is 17.3 minutes according to City-Data.

Traffic in Columbus

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbus, MT traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

Compare Car Insurance Quotes in Columbus, MT

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

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