Compare Gardiner, MT Car Insurance Rates (2021)

Car insurance in Gardiner, MT averages $262 a month. Gardiner, Montana car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Gardiner car insurance rates, compare quotes from the top car insurance companies in Gardiner, 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

  • Average car insurance rates in Gardiner, MT after a DUI are $3,846/year
  • The cheapest car insurance company in Gardiner for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Gardiner is Liberty Mutual

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

You’ll find Gardiner car insurance rates, the cheapest Gardiner, MT car insurance companies, and information on Montana car insurance laws. You can also compare Gardiner, Montana car insurance rates to Bozeman car insurance rates, Billings car insurance rates, and Whitefish car insurance rates.

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

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

How do age, gender, and marital status affect Gardiner, MT car insurance rates? Every Gardiner, 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 Gardiner, 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 $2,886 $2,886 $2,642 $2,642 $11,152 $11,152 $3,115 $3,115
Farmers $2,815 $2,815 $2,513 $2,513 $7,512 $7,512 $3,082 $3,082
GEICO $2,399 $2,242 $2,342 $2,136 $5,830 $5,426 $2,056 $1,873
Liberty Mutual $1,016 $1,016 $991 $991 $1,996 $1,996 $1,204 $1,204
Nationwide $2,485 $2,485 $2,268 $2,268 $4,984 $4,984 $2,630 $2,630
Progressive $3,136 $3,136 $2,819 $2,819 $7,426 $7,426 $3,542 $3,542
State Farm $1,696 $1,696 $1,488 $1,488 $4,997 $4,997 $1,837 $1,837
USAA $1,291 $1,291 $1,155 $1,155 $4,301 $4,301 $1,603 $1,603

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Minimum Car Insurance in Gardiner, MT

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

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

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

Annual Car Insurance Rates by Credit Score in Gardiner, Montana

Insurance Company Poor Fair Good
Allstate $5,974 $4,792 $4,081
Farmers $4,693 $3,730 $3,519
GEICO $4,786 $2,551 $1,777
Liberty Mutual $1,302 $1,302 $1,302
Nationwide $3,906 $2,822 $2,546
Progressive $5,111 $3,917 $3,664
State Farm $3,603 $2,192 $1,719
USAA $2,801 $1,910 $1,551

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

Annual Gardiner, Montana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,151 $4,913 $5,980 $4,750
Farmers $3,499 $4,519 $4,405 $3,499
GEICO $1,956 $3,091 $4,768 $2,337
Liberty Mutual $892 $1,537 $1,537 $1,241
Nationwide $2,263 $3,232 $4,149 $2,723
Progressive $3,649 $4,720 $4,507 $4,047
State Farm $2,335 $2,674 $2,504 $2,504
USAA $1,566 $1,957 $2,917 $1,910

Cheapest Gardiner, MT Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gardiner, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,152 $11,152
Farmers $7,512 $7,512
GEICO $5,830 $5,426
Liberty Mutual $1,996 $1,996
Nationwide $4,984 $4,984
Progressive $7,426 $7,426
State Farm $4,997 $4,997
USAA $4,301 $4,301

Cheapest Gardiner, MT Car Insurance for Seniors

Take a look at Gardiner, 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 Gardiner, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,642 $2,642
Farmers $2,513 $2,513
GEICO $2,342 $2,136
Liberty Mutual $991 $991
Nationwide $2,268 $2,268
Progressive $2,819 $2,819
State Farm $1,488 $1,488
USAA $1,155 $1,155

Cheapest Gardiner, MT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gardiner, Montana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,980
Farmers $4,405
GEICO $4,768
Liberty Mutual $1,537
Nationwide $4,149
Progressive $4,507
State Farm $2,504
USAA $2,917

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Cheapest Gardiner, MT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gardiner, Montana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,831 $5,066
Farmers $3,981 $3,981
GEICO $2,984 $3,092
Liberty Mutual $1,302 $1,302
Nationwide $3,092 $3,092
Progressive $4,231 $4,231
State Farm $2,431 $2,578
USAA $2,063 $2,112

The Best Cheap Car Insurance Companies in Gardiner, MT

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

Average Annual Car Insurance Rates by Company in Gardiner, Montana

Insurance Company Average Annual Rates
Allstate $4,949
Farmers $3,981
GEICO $3,038
Liberty Mutual $1,302
Nationwide $3,092
Progressive $4,231
State Farm $2,505
USAA $2,088

Category Winners: Cheapest Car Insurance in Gardiner, Montana

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

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

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

Annual Car Insurance Rates by Coverage Level in Gardiner, Montana

Insurance Company Low Medium High
Allstate $4,725 $4,938 $5,183
Farmers $3,708 $3,977 $4,257
GEICO $2,898 $3,013 $3,203
Liberty Mutual $1,216 $1,305 $1,384
Nationwide $2,374 $3,286 $3,615
Progressive $4,007 $4,219 $4,466
State Farm $2,373 $2,495 $2,646
USAA $1,992 $2,077 $2,194

What affects car insurance rates in Gardiner, Montana?

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

Commute Time in Gardiner

The more time you spend in your car the higher the risk of an accident. The average commute length in Gardiner, MT is 13.9 minutes according to City-Data.

Compare Car Insurance Quotes in Gardiner, MT

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

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