Best Cheap Auto Insurance in Simms, MT (2021)

The average Simms, MT auto insurance rates are $261 per month. The minimum auto insurance in Simms is at least 25/50/20 in coverage to comply with Montana auto insurance laws. To find the best cheap auto insurance in Simms, Montana, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 most expensive auto insurance company in Simms for teen drivers is Allstate
  • The minimum auto insurance required in Simms, Montana is 25/50/20
  • The average commute length in Simms is 30.6 minutes

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

Compare auto insurance in Simms to other Montana cities, including Missoula auto insurance rates, Billings auto insurance rates, and Helena auto insurance rates to see how Simms, Montana auto insurance rates stack up.

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

Minimum Auto Insurance in Simms, Montana

Simms, 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 Simms, Montana.

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

Auto insurance rates in Simms, 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 Simms, 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 $2,761 $2,761 $2,528 $2,528 $10,493 $10,493 $2,978 $2,978
Farmers $2,535 $2,535 $2,279 $2,279 $7,064 $7,064 $2,778 $2,778
GEICO $2,399 $2,242 $2,342 $2,136 $5,830 $5,426 $2,056 $1,873
Liberty Mutual $1,019 $1,019 $999 $999 $2,194 $2,194 $1,237 $1,237
Nationwide $2,916 $2,916 $2,647 $2,647 $5,941 $5,941 $3,093 $3,093
Progressive $2,987 $2,987 $2,692 $2,692 $7,065 $7,065 $3,363 $3,363
State Farm $1,759 $1,759 $1,564 $1,564 $5,424 $5,424 $1,916 $1,916
USAA $1,209 $1,209 $1,081 $1,081 $3,950 $3,950 $1,506 $1,506

Cheap Simms, Montana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Simms, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,493 $10,493
Farmers $7,064 $7,064
GEICO $5,830 $5,426
Liberty Mutual $2,194 $2,194
Nationwide $5,941 $5,941
Progressive $7,065 $7,065
State Farm $5,424 $5,424
USAA $3,950 $3,950

Cheap Simms, Montana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Simms, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,528 $2,528
Farmers $2,279 $2,279
GEICO $2,342 $2,136
Liberty Mutual $999 $999
Nationwide $2,647 $2,647
Progressive $2,692 $2,692
State Farm $1,564 $1,564
USAA $1,081 $1,081

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

Annual Simms, Montana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,949 $4,667 $5,641 $4,503
Farmers $3,212 $4,168 $4,065 $3,212
GEICO $1,956 $3,091 $4,768 $2,337
Liberty Mutual $916 $1,625 $1,625 $1,282
Nationwide $2,643 $3,818 $4,940 $3,196
Progressive $3,473 $4,486 $4,294 $3,855
State Farm $2,454 $2,877 $2,666 $2,666
USAA $1,456 $1,814 $2,700 $1,775

Cheap Simms, Montana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Simms, Montana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,641
Farmers $4,065
GEICO $4,768
Liberty Mutual $1,625
Nationwide $4,940
Progressive $4,294
State Farm $2,666
USAA $2,700

Cheap Simms, Montana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Simms, Montana

Insurance Company Poor Fair Good
Allstate $5,669 $4,537 $3,863
Farmers $4,316 $3,437 $3,240
GEICO $4,786 $2,551 $1,777
Liberty Mutual $1,362 $1,362 $1,362
Nationwide $4,618 $3,324 $3,006
Progressive $4,866 $3,728 $3,487
State Farm $3,839 $2,332 $1,827
USAA $2,603 $1,770 $1,436

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Cheap Simms, Montana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Simms, Montana

ZIP Code Average Annual Rates
59477 $3,198

Cheap Simms, Montana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Simms, Montana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,579 $4,801
Farmers $3,664 $3,664
GEICO $2,984 $3,092
Liberty Mutual $1,362 $1,362
Nationwide $3,649 $3,649
Progressive $4,027 $4,027
State Farm $2,587 $2,744
USAA $1,913 $1,959

Cheap Simms, Montana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Simms, Montana

Insurance Company Low Medium High
Allstate $4,462 $4,679 $4,929
Farmers $3,371 $3,661 $3,961
GEICO $2,898 $3,013 $3,203
Liberty Mutual $1,255 $1,366 $1,465
Nationwide $2,821 $3,894 $4,232
Progressive $3,783 $4,015 $4,283
State Farm $2,498 $2,657 $2,842
USAA $1,848 $1,926 $2,035

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Best By Category: Cheapest Auto Insurance in Simms, Montana

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

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

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

Average Annual Auto Insurance Rates by Company in Simms, Montana

Insurance Company Average Annual Rates
Allstate $4,690
Farmers $3,664
GEICO $3,038
Liberty Mutual $1,362
Nationwide $3,649
Progressive $4,027
State Farm $2,666
USAA $1,936

What affects auto insurance rates in Simms, Montana?

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

Simms Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Simms, Montana commute length is 30.6 minutes according to City-Data.

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Compare Simms, Montana Auto Insurance Quotes

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