Best Cheap Auto Insurance in Havre, MT (2021)

The average Havre, MT auto insurance rates are $271 per month. The minimum auto insurance in Havre is at least 25/50/20 in coverage to comply with Montana auto insurance laws. To find the best cheap auto insurance in Havre, 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

  • Average auto insurance rates in Havre, MT for senior drivers are $2,117 per year
  • The most expensive auto insurance company in Havre for teen drivers is Allstate
  • The cheapest auto insurance company in Havre is Liberty Mutual

Havre, Montana auto insurance requirements are 25/50/20 according to Montana auto insurance laws. Finding cheap auto insurance in Havre 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 Havre, Montana, including driving record, credit, commute time, and more.

Compare auto insurance in Havre to other Montana cities, including Belgrade auto insurance rates, Billings auto insurance rates, and Butte-Silver Bow auto insurance rates to see how Havre, Montana auto insurance rates stack up.

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

Minimum Auto Insurance in Havre, Montana

Havre, 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 Havre, Montana.

Minimum Required Auto 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

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

Auto insurance rates in Havre, 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 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

Cheap Havre, Montana Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Havre, Montana Auto Insurance for Seniors

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

Annual Auto 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

Cheap Havre, 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 Havre, Montana compared to the annual auto insurance rates with a clean record in Havre, Montana.

Annual Havre, Montana Auto 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

Cheap Havre, Montana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Havre, Montana

Insurance Company Annual Auto 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

Cheap Havre, Montana Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Havre, Montana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Havre, Montana

ZIP Code Average Annual Rates
59501 $3,300

Cheap Havre, Montana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Havre, Montana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Havre, Montana Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Havre, Montana

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

Best Annual Auto 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

The Cheapest Havre, Montana Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Havre, Montana?

There are a lot of reasons why auto insurance rates in Havre, Montana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Havre, Montana. Many local factors may affect your Havre auto insurance rates.

Havre Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Havre, Montana auto theft statistics, there have been 26 auto thefts in the city.

Havre Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Havre, Montana commute length is 13.6 minutes according to City-Data.

Havre Traffic

How does Havre, Montana rank for traffic? According to Inrix Havre, Montana is the 331st most congested worldwide.

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Compare Havre, Montana Auto Insurance Quotes

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