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Get Cheap Car Insurance in Black Eagle, MT

We monitor insurance prices, helping the average driver in Black Eagle save up to 33.6% on car insurance.

 

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The Cheapest Minimum Coverage in Black Eagle

The chart below shows the cheapest car insurance company in Black Eagle for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Travelers, Progressive, and Midvale Home & Auto.

 
Black Eagle Insurer Monthly Cost
State Farm $43
Travelers $47
Progressive $49
Midvale Home & Auto $53

Savings for Every Kind of Black Eagle Driver

The table shows how much the average auto insurance customer in Black Eagle might save by following our recommendations.

Based on our extensive insurance data, we know the average Black Eagle driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, and age. The average driver will find themselves saving $403 per year by choosing the right vehicle insurance company. Some Black Eagle residents are paying out over $1,613 extra every year for auto insurance in Black Eagle. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Black Eagle Car Insurance vs. Montana

People living in Black Eagle pay an average of 0.45% less than the typical driver in the state. The average driver in Black Eagle can expect to pay about $768 per year, or $1,613 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Black Eagle for most people.

Car Insurance Prices by Black Eagle Neighborhood

Black Eagle, MT map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Black Eagle?

The map shows insurance prices in and around Black Eagle, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $68 per year within the city boundaries, with insurance premiums ranging from a high of $1,666 to a low of $1,598. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Black Eagle.

Pick the Best Car Insurance Company for You in Black Eagle

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Black Eagle insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Black Eagle

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $403 over the average Black Eagle car insurance company.

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We use the average good driver, paying $101 per month, as our baseline for pricing in Black Eagle. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

The best car insurance provider for Black Eagle drivers with accidents on their records

In Black Eagle getting into an accident will raise premiums an average 32% for a yearly cost of $2,381. That's $769 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Travelers are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $719 over the competition.

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The best car insurance company for Black Eagle drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $574 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Black Eagle, tickets raise premiums on new quotes about $488. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,101 per year.

The best auto insurance for Black Eagle drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,737 per year in auto insurance premiums, which was $1,124 more than a driver with no major issues. State Farm, Progressive, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $841 less each year.

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The least expensive car insurance company for new and young drivers in Black Eagle

In Black Eagle, State Farm costs young drivers $1,832 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Black Eagle. With an average cost of $5,448 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Nationwide try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Black Eagle

The state of Montana does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in Black Eagle for drivers with bad credit

People with poor credit saved an average of $709 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,023 every year. Premiums for people with poor credit were about $2,636 in Black Eagle. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Travelers.

The best Black Eagle car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Black Eagle, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Black Eagle.

Nationwide was the best company for customer service in Black Eagle according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Black Eagle, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Black Eagle. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Black Eagle

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 19% of Black Eagle residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Black Eagle driver can expect to pay about $101 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Black Eagle, USAA has the best prices for young drivers, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Black Eagle

What Influences the Cost of Car Insurance in Black Eagle?

On average, car insurance in Black Eagle is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Black Eagle is 17 minutes, which is far less than average for a driver in the state.
  • Montana state insurance regulations may require higher prices.
  • An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Black Eagle is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Black Eagle is $64 per month for minimum coverage and $134 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Black Eagle driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Black Eagle with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.