Best Helena, MT Car Insurance in 2025
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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Table of Contents
Table of Contents
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated October 2024
- 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.
| 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 required by the state in Helena, MT. Take a look at the Montana car insurance requirements.
| 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. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Helena from top companies for good, fair, and poor credit.
| 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. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Helena, MT to rates for a clean record with top companies.
| 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.
| 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 rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 car insurance after a DUI by the company to find the cheapest option.
| 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.
| 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.
| 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.
| 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.
| 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 car insurance you need will have an impact on your Helena car insurance rates. Find the cheapest Helena, MT car insurance rates by coverage level.
| 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 are the factors that affect car insurance rates in Helena, MT? 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.
Frequently Asked Questions
What are the car insurance requirements in Helena, MT?
Helena, MT requires 25/50/20 coverage (bodily injury per person/accident, property damage).
How can I find cheap car insurance rates in Helena, MT?
Compare quotes from top companies to find affordable rates.
How does age, gender, and marital status affect car insurance rates in Helena, MT?
Each company weighs these factors differently, so compare rates to see the impact.
Does my credit score affect car insurance costs in Helena, MT?
Yes, good credit can qualify for discounts. Compare rates for your credit history.
How does my driving record impact car insurance rates in Helena, MT?
A bad record increases rates. Compare rates for clean and bad records.
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