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Get Cheap Car Insurance in Capitol, MT

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

 

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The Cheapest Minimum Coverage in Capitol

The chart below shows the cheapest car insurance company in Capitol 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.

 
Capitol Insurer Monthly Cost
State Farm $45
Travelers $49
Progressive $51
Midvale Home & Auto $55

Savings for Every Kind of Capitol Driver

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

Based on our extensive insurance data, we know the average Capitol 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 $418 per year by choosing the right vehicle insurance company. Some Capitol residents are paying out over $1,672 extra every year for auto insurance in Capitol. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Capitol, MT Savings / Yr.
Drivers with good records
$418
Drivers with accidents
$745
Drivers with speeding tickets
$595
Drivers with a DUI conviction
$872
Young drivers
$1,899
Married drivers
$0
Drivers with bad credit
$735

Capitol Car Insurance vs. Montana

People living in Capitol pay an average of 3.18% more than the typical driver in the state. The average driver in Capitol can expect to pay about $796 per year, or $1,672 for full coverage.

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

Car Insurance Prices by Capitol Neighborhood

Capitol, MT map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Capitol?

The map shows insurance prices in and around Capitol, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,672 to a low of $1,672. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Capitol.

Pick the Best Car Insurance Company for You in Capitol

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 Capitol insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Capitol

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $418 over the average Capitol car insurance company.

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We use the average good driver, paying $105 per month, as our baseline for pricing in Capitol. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

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

In Capitol getting into an accident will raise premiums an average 32% for a yearly cost of $2,468. That's $797 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 $745 over the competition.

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The best car insurance company for Capitol drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $595 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 Capitol, tickets raise premiums on new quotes about $506. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,177 per year.

The best auto insurance for Capitol drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,836 per year in auto insurance premiums, which was $1,165 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 $872 less each year.

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

In Capitol, State Farm costs young drivers $1,899 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 Capitol. With an average cost of $5,647 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 Capitol

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

The cheapest car insurance in Capitol for drivers with bad credit

People with poor credit saved an average of $735 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,061 every year. Premiums for people with poor credit were about $2,732 in Capitol. 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 Capitol car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Capitol, 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 Capitol.

Nationwide was the best company for customer service in Capitol 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 Capitol, 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 Capitol. 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 Capitol

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 25% of Capitol 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 Capitol 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 Capitol, 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 Capitol

What Influences the Cost of Car Insurance in Capitol?

On average, car insurance in Capitol is more expensive than the rest of the state. These high 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 Capitol is 21 minutes, which is a little less than average for a driver in the state.
  • Montana state insurance regulations may require higher prices.
  • An average of 0 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 D+ according to CrimeGrade.org.
  • Capitol is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Capitol is $66 per month for minimum coverage and $139 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 Capitol driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Capitol 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.