Best Cheap Auto Insurance in Elmo, MT (2021)

The average Elmo, MT auto insurance rates are $277 per month. The minimum auto insurance in Elmo is at least 25/50/20 in coverage to comply with Montana auto insurance laws. To find the best cheap auto insurance in Elmo, Montana, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Elmo is Liberty Mutual
  • Average auto insurance rates in Elmo, MT for senior drivers are $2,127 per year
  • The most expensive auto insurance company in Elmo for teen drivers is Allstate

Elmo, Montana auto insurance requirements are 25/50/20 according to Montana auto insurance laws. Finding cheap auto insurance in Elmo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Elmo, Montana, including driving record, credit, commute time, and more.

Compare auto insurance in Elmo to other Montana cities, including Billings auto insurance rates, Kalispell auto insurance rates, and Great Falls auto insurance rates to see how Elmo, Montana auto insurance rates stack up.

Before you buy Elmo, Montana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Elmo, Montana auto insurance quotes.

Minimum Auto Insurance in Elmo, Montana

Elmo, Montana auto insurance laws require that you have at least the Montana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Elmo, Montana.

Minimum Required Auto Insurance Coverage in Elmo, 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

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Cheap Elmo, Montana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Elmo, Montana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elmo, 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 $2,926 $2,926 $2,683 $2,683 $11,315 $11,315 $3,153 $3,153
Farmers $2,804 $2,804 $2,519 $2,519 $7,658 $7,658 $3,069 $3,069
GEICO $2,693 $2,517 $2,628 $2,397 $6,561 $6,106 $2,309 $2,104
Liberty Mutual $1,020 $1,020 $999 $999 $2,068 $2,068 $1,217 $1,217
Nationwide $2,729 $2,729 $2,489 $2,489 $5,571 $5,571 $2,893 $2,893
Progressive $3,352 $3,352 $3,028 $3,028 $8,042 $8,042 $3,776 $3,776
State Farm $1,812 $1,812 $1,593 $1,593 $5,388 $5,388 $1,966 $1,966
USAA $1,329 $1,329 $1,189 $1,189 $4,454 $4,454 $1,651 $1,651

Cheap Elmo, Montana Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Elmo, Montana is a challenge. Take a look at the annual teen auto insurance rates in Elmo, Montana.

Annual Auto Insurance Rates for Teen Drivers in Elmo, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,315
Farmers $7,658 $7,658
GEICO $6,561 $6,106
Liberty Mutual $2,068 $2,068
Nationwide $5,571 $5,571
Progressive $8,042 $8,042
State Farm $5,388 $5,388
USAA $4,454 $4,454

Cheap Elmo, Montana Auto Insurance for Seniors

What are senior auto insurance rates in Elmo, Montana? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Elmo, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,683 $2,683
Farmers $2,519 $2,519
GEICO $2,628 $2,397
Liberty Mutual $999 $999
Nationwide $2,489 $2,489
Progressive $3,028 $3,028
State Farm $1,593 $1,593
USAA $1,189 $1,189

Cheap Elmo, Montana Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Elmo, Montana compared to the annual auto insurance rates with a clean record in Elmo, Montana.

Annual Elmo, Montana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $4,992 $6,057 $4,816
Farmers $3,521 $4,559 $4,447 $3,521
GEICO $2,196 $3,474 $5,364 $2,624
Liberty Mutual $903 $1,571 $1,571 $1,260
Nationwide $2,496 $3,577 $4,602 $3,007
Progressive $3,916 $5,082 $4,849 $4,351
State Farm $2,503 $2,877 $2,690 $2,690
USAA $1,616 $2,021 $3,015 $1,971

Cheap Elmo, Montana Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Elmo, Montana is not easy. Compare the annual rates for DUI auto insurance in Elmo, Montana to find the best deal.

Annual Auto Insurance Rates After a DUI in Elmo, Montana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,057
Farmers $4,447
GEICO $5,364
Liberty Mutual $1,571
Nationwide $4,602
Progressive $4,849
State Farm $2,690
USAA $3,015

Cheap Elmo, Montana Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Elmo, Montana annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Elmo, Montana

Insurance Company Poor Fair Good
Allstate $6,066 $4,857 $4,135
Farmers $4,736 $3,758 $3,543
GEICO $5,379 $2,867 $1,997
Liberty Mutual $1,326 $1,326 $1,326
Nationwide $4,315 $3,127 $2,819
Progressive $5,489 $4,216 $3,943
State Farm $3,874 $2,353 $1,843
USAA $2,894 $1,972 $1,601

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Cheap Elmo, Montana Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Elmo, Montana can vary. Compare the annual cost of auto insurance by ZIP code in Elmo, Montana to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Elmo, Montana

ZIP Code Average Annual Rates
59915 $3,396

Cheap Elmo, Montana Auto Insurance Rates By Commute

Commute length and annual mileage affect Elmo, Montana auto insurance. Find the cheapest annual Elmo, Montana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Elmo, Montana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,900 $5,139
Farmers $4,012 $4,012
GEICO $3,354 $3,475
Liberty Mutual $1,326 $1,326
Nationwide $3,420 $3,420
Progressive $4,549 $4,549
State Farm $2,609 $2,770
USAA $2,130 $2,181

Cheap Elmo, Montana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Elmo, Montana? Check out the comparison of annual Elmo, Montana auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Elmo, Montana

Insurance Company Low Medium High
Allstate $4,760 $5,006 $5,291
Farmers $3,688 $4,008 $4,341
GEICO $3,250 $3,383 $3,610
Liberty Mutual $1,229 $1,330 $1,420
Nationwide $2,620 $3,641 $4,001
Progressive $4,269 $4,534 $4,844
State Farm $2,540 $2,680 $2,848
USAA $2,055 $2,144 $2,268

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Best By Category: Cheapest Auto Insurance in Elmo, Montana

Compare the cheapest auto insurance companies in Elmo, Montana in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Elmo, 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

The Cheapest Elmo, Montana Auto Insurance Companies

What auto insurance companies in Elmo, Montana are the cheapest? Compare the top Elmo, Montana auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Elmo, Montana

Insurance Company Average Annual Rates
Allstate $5,019
Farmers $4,012
GEICO $3,414
Liberty Mutual $1,326
Nationwide $3,420
Progressive $4,549
State Farm $2,690
USAA $2,156

Compare Elmo, Montana Auto Insurance Quotes

Before you buy Elmo, Montana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Elmo, Montana auto insurance quotes.

Free Auto Insurance Comparison

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

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