Best Cheap Auto Insurance in Shepherd, MT (2021)

The average Shepherd, MT auto insurance rates are $272 per month. The minimum auto insurance in Shepherd is at least 25/50/20 in coverage to comply with Montana auto insurance laws. To find the best cheap auto insurance in Shepherd, 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 average commute length in Shepherd is 27.9 minutes
  • The most expensive auto insurance company in Shepherd for teen drivers is Allstate
  • The minimum auto insurance required in Shepherd, Montana is 25/50/20

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

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

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

Minimum Auto Insurance in Shepherd, Montana

Shepherd, 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 Shepherd, Montana.

Minimum Required Auto Insurance Coverage in Shepherd, 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 Shepherd, Montana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Shepherd, 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 Shepherd, 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 $2,578 $2,578 $2,361 $2,361 $9,832 $9,832 $2,779 $2,779
Farmers $2,844 $2,844 $2,542 $2,542 $7,918 $7,918 $3,124 $3,124
GEICO $3,134 $2,928 $3,057 $2,788 $7,655 $7,125 $2,687 $2,449
Liberty Mutual $862 $862 $845 $845 $1,843 $1,843 $1,045 $1,045
Nationwide $2,902 $2,902 $2,635 $2,635 $5,894 $5,894 $3,078 $3,078
Progressive $3,303 $3,303 $2,964 $2,964 $7,658 $7,658 $3,720 $3,720
State Farm $1,574 $1,574 $1,401 $1,401 $4,826 $4,826 $1,713 $1,713
USAA $1,316 $1,316 $1,166 $1,166 $4,089 $4,089 $1,661 $1,661

Cheap Shepherd, Montana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shepherd, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,832 $9,832
Farmers $7,918 $7,918
GEICO $7,655 $7,125
Liberty Mutual $1,843 $1,843
Nationwide $5,894 $5,894
Progressive $7,658 $7,658
State Farm $4,826 $4,826
USAA $4,089 $4,089

Cheap Shepherd, Montana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shepherd, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,361 $2,361
Farmers $2,542 $2,542
GEICO $3,057 $2,788
Liberty Mutual $845 $845
Nationwide $2,635 $2,635
Progressive $2,964 $2,964
State Farm $1,401 $1,401
USAA $1,166 $1,166

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

Annual Shepherd, Montana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,689 $4,352 $5,294 $4,215
Farmers $3,601 $4,672 $4,554 $3,601
GEICO $2,556 $4,046 $6,256 $3,053
Liberty Mutual $777 $1,369 $1,369 $1,082
Nationwide $2,622 $3,795 $4,918 $3,174
Progressive $3,812 $4,902 $4,705 $4,227
State Farm $2,191 $2,566 $2,379 $2,379
USAA $1,556 $1,923 $2,852 $1,900

Cheap Shepherd, Montana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shepherd, Montana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,294
Farmers $4,554
GEICO $6,256
Liberty Mutual $1,369
Nationwide $4,918
Progressive $4,705
State Farm $2,379
USAA $2,852

Cheap Shepherd, Montana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Shepherd, Montana

Insurance Company Poor Fair Good
Allstate $5,300 $4,247 $3,616
Farmers $4,827 $3,857 $3,637
GEICO $6,267 $3,340 $2,326
Liberty Mutual $1,149 $1,149 $1,149
Nationwide $4,579 $3,310 $2,993
Progressive $5,343 $4,078 $3,813
State Farm $3,420 $2,082 $1,634
USAA $2,788 $1,875 $1,511

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Cheap Shepherd, Montana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Shepherd, Montana

ZIP Code Average Annual Rates
59079 $3,322

Cheap Shepherd, Montana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Shepherd, Montana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,284 $4,491
Farmers $4,107 $4,107
GEICO $3,907 $4,048
Liberty Mutual $1,149 $1,149
Nationwide $3,627 $3,627
Progressive $4,411 $4,411
State Farm $2,309 $2,449
USAA $2,033 $2,083

Cheap Shepherd, Montana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Shepherd, Montana

Insurance Company Low Medium High
Allstate $4,208 $4,379 $4,576
Farmers $3,818 $4,103 $4,400
GEICO $3,850 $3,956 $4,127
Liberty Mutual $1,060 $1,153 $1,234
Nationwide $2,795 $3,872 $4,215
Progressive $4,157 $4,399 $4,678
State Farm $2,224 $2,370 $2,542
USAA $1,975 $2,048 $2,150

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Best By Category: Cheapest Auto Insurance in Shepherd, Montana

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

Best Annual Auto Insurance Rates by Company in Shepherd, 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 Shepherd, Montana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Shepherd, Montana

Insurance Company Average Annual Rates
Allstate $4,388
Farmers $4,107
GEICO $3,978
Liberty Mutual $1,149
Nationwide $3,627
Progressive $4,411
State Farm $2,379
USAA $2,058

What affects auto insurance rates in Shepherd, Montana?

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

Shepherd Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Shepherd, Montana commute length is 27.9 minutes according to City-Data.

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Compare Shepherd, Montana Auto Insurance Quotes

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