Compare Havre, MT Car Insurance Rates (2021)

Car insurance in Havre, MT averages $271 a month. Havre, Montana car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Havre car insurance rates, compare quotes from the top car insurance companies in Havre, 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 Havre for teen drivers is Liberty Mutual
  • Average car insurance rates in Havre, MT after a DUI are $4,026/year
  • The cheapest car insurance company in Havre is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Havre, MT car insurance rates? Every Havre, 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 Havre, 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 $2,706 $2,706 $2,465 $2,465 $10,131 $10,131 $2,925 $2,925
Farmers $2,753 $2,753 $2,453 $2,453 $6,953 $6,953 $3,003 $3,003
GEICO $3,181 $2,973 $3,103 $2,830 $7,774 $7,235 $2,728 $2,486
Liberty Mutual $996 $996 $972 $972 $1,972 $1,972 $1,182 $1,182
Nationwide $2,916 $2,916 $2,647 $2,647 $5,941 $5,941 $3,093 $3,093
Progressive $3,207 $3,207 $2,865 $2,865 $7,383 $7,383 $3,621 $3,621
State Farm $1,599 $1,599 $1,397 $1,397 $4,618 $4,618 $1,729 $1,729
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 Havre, MT

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

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

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

Annual Car Insurance Rates by Credit Score in Havre, Montana

Insurance Company Poor Fair Good
Allstate $5,503 $4,410 $3,758
Farmers $4,480 $3,544 $3,346
GEICO $6,363 $3,392 $2,362
Liberty Mutual $1,280 $1,280 $1,280
Nationwide $4,618 $3,324 $3,006
Progressive $5,175 $3,944 $3,689
State Farm $3,357 $2,045 $1,605
USAA $2,788 $1,875 $1,511

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

Annual Havre, Montana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,842 $4,528 $5,479 $4,378
Farmers $3,341 $4,293 $4,185 $3,341
GEICO $2,595 $4,108 $6,353 $3,100
Liberty Mutual $876 $1,513 $1,513 $1,219
Nationwide $2,643 $3,818 $4,940 $3,196
Progressive $3,693 $4,744 $4,549 $4,090
State Farm $2,189 $2,483 $2,336 $2,336
USAA $1,556 $1,923 $2,852 $1,900

Cheapest Havre, MT Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Havre, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,131 $10,131
Farmers $6,953 $6,953
GEICO $7,774 $7,235
Liberty Mutual $1,972 $1,972
Nationwide $5,941 $5,941
Progressive $7,383 $7,383
State Farm $4,618 $4,618
USAA $4,089 $4,089

Cheapest Havre, MT Car Insurance for Seniors

Take a look at Havre, 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 Havre, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,465 $2,465
Farmers $2,453 $2,453
GEICO $3,103 $2,830
Liberty Mutual $972 $972
Nationwide $2,647 $2,647
Progressive $2,865 $2,865
State Farm $1,397 $1,397
USAA $1,166 $1,166

Cheapest Havre, MT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Havre, Montana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,479
Farmers $4,185
GEICO $6,353
Liberty Mutual $1,513
Nationwide $4,940
Progressive $4,549
State Farm $2,336
USAA $2,852

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Cheapest Havre, MT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Havre, Montana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,449 $4,665
Farmers $3,790 $3,790
GEICO $3,967 $4,111
Liberty Mutual $1,280 $1,280
Nationwide $3,649 $3,649
Progressive $4,269 $4,269
State Farm $2,266 $2,405
USAA $2,033 $2,083

The Best Cheap Car Insurance Companies in Havre, MT

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

Average Annual Car Insurance Rates by Company in Havre, Montana

Insurance Company Average Annual Rates
Allstate $4,557
Farmers $3,790
GEICO $4,039
Liberty Mutual $1,280
Nationwide $3,649
Progressive $4,269
State Farm $2,336
USAA $2,058

Category Winners: Cheapest Car Insurance in Havre, Montana

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

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

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

Annual Car Insurance Rates by Coverage Level in Havre, Montana

Insurance Company Low Medium High
Allstate $4,377 $4,548 $4,745
Farmers $3,567 $3,788 $4,016
GEICO $3,896 $4,012 $4,208
Liberty Mutual $1,195 $1,284 $1,363
Nationwide $2,821 $3,894 $4,232
Progressive $4,063 $4,259 $4,485
State Farm $2,218 $2,326 $2,464
USAA $1,975 $2,048 $2,150

What affects car insurance rates in Havre, Montana?

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

Car Theft in Havre

High levels of vehicle theft can make car insurance more expensive. Havre, MT car theft statistics from the FBI indicate 26 vehicle thefts a year.

Commute Time in Havre

The more time you spend in your car the higher the risk of an accident. The average commute length in Havre, MT is 13.6 minutes according to City-Data.

Traffic in Havre

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Havre, MT traffic data from INRIX ranks Havre as the 331st-most congested in the world.

Compare Car Insurance Quotes in Havre, MT

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

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