Compare Helena, MT Car Insurance Rates (2021)

Car insurance in Helena, MT averages $241 a month. Helena, Montana car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Helena car insurance rates, compare quotes from the top car insurance companies in Helena, 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

  • Average car insurance rates in Helena, MT after a DUI are $3,536/year
  • The cheapest car insurance company in Helena for teen drivers is Liberty Mutual
  • Average car insurance rates in Helena, MT are $2,887/year

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

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

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

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

How do age, gender, and marital status affect Helena, MT car insurance rates? Every Helena, 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 Helena, 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 $2,675 $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

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Minimum Car Insurance in Helena, MT

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

Minimum Required Car Insurance Coverage 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

Cheapest Helena, MT Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Helena, Montana

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

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

Annual Helena, Montana Car Insurance Rates by Driving Record

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

Cheapest Helena, MT Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers 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

Cheapest Helena, MT Car Insurance for Seniors

Take a look at Helena, 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 Helena, Montana

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

Cheapest Helena, MT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Helena, Montana

Insurance Company Annual Car 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

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Cheapest Helena, MT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Helena, Montana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Helena, MT Car Insurance Rates by ZIP Code

Helena car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Helena, MT.

Annual Car Insurance Rates by ZIP Code in Helena, Montana

ZIP Code Average Annual Rates
59601 $2,952
59602 $2,946
59625 $2,976
59626 $2,947

The Best Cheap Car Insurance Companies in Helena, MT

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

Average Annual Car Insurance Rates by Company in Helena, Montana

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

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Category Winners: Cheapest Car Insurance in Helena, Montana

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

Best Annual Car Insurance Rates by Company in Helena, 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

Cheapest Helena, MT Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Helena, Montana

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

What affects car insurance rates in Helena, Montana?

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

Car Theft in Helena

High levels of vehicle theft can make car insurance more expensive. Helena, MT car theft statistics from the FBI indicate 136 vehicle thefts a year.

Commute Time in Helena

The more time you spend in your car the higher the risk of an accident. The average commute length in Helena, MT is 12.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Helena, MT

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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