Best Cheap Auto Insurance in Helena, MT (2021)

The average Helena, MT auto insurance rates are $241 per month. The minimum auto insurance in Helena is at least 25/50/20 in coverage to comply with Montana auto insurance laws. To find the best cheap auto insurance in Helena, 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: Jul 18, 2021

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Things to Remember

  • The minimum auto insurance required in Helena, Montana is 25/50/20
  • Average auto insurance rates in Helena, MT for senior drivers are $1,838 per year
  • The cheapest auto insurance company in Helena is Liberty Mutual

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

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

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

Minimum Auto Insurance in Helena, Montana

Helena, 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 Helena, Montana.

Minimum Required Auto 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

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

Auto insurance rates in Helena, 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 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

Cheap Helena, Montana Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Helena, Montana Auto Insurance for Seniors

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

Annual Auto 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

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

Annual Helena, Montana Auto 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

Cheap Helena, Montana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Helena, Montana

Insurance Company Annual Auto 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

Cheap Helena, Montana Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Helena, Montana Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap Helena, Montana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Helena, Montana

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

Cheap Helena, Montana Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Helena, Montana

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

Best Annual Auto 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

The Cheapest Helena, Montana Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Helena, Montana?

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

Helena Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Helena, Montana auto theft statistics, there have been 136 auto thefts in the city.

Helena Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Helena, Montana commute length is 12.7 minutes according to City-Data.

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Compare Helena, Montana Auto Insurance Quotes

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