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Get Cheap Car Insurance in Coffee Creek, MT

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

 

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The Cheapest Minimum Coverage in Coffee Creek

The chart below shows the cheapest car insurance company in Coffee Creek 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.

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

Savings for Every Kind of Coffee Creek Driver

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

Based on our extensive insurance data, we know the average Coffee Creek 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 $401 per year by choosing the right vehicle insurance company. Some Coffee Creek residents are paying out over $1,603 extra every year for auto insurance in Coffee Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Coffee Creek Car Insurance vs. Montana

People living in Coffee Creek pay an average of 1.05% less than the typical driver in the state. The average driver in Coffee Creek can expect to pay about $763 per year, or $1,603 for full coverage.

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

Car Insurance Prices by Coffee Creek Neighborhood

Coffee Creek, MT map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Coffee Creek?

The map shows insurance prices in and around Coffee Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $27 per year within the city boundaries, with insurance premiums ranging from a high of $1,623 to a low of $1,596. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Coffee Creek.

Pick the Best Car Insurance Company for You in Coffee Creek

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

The best car insurance provider for most drivers in Coffee Creek

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $401 over the average Coffee Creek car insurance company.

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We use the average good driver, paying $100 per month, as our baseline for pricing in Coffee Creek. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

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

In Coffee Creek getting into an accident will raise premiums an average 32% for a yearly cost of $2,367. That's $764 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 $714 over the competition.

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The best car insurance company for Coffee Creek drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $571 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 Coffee Creek, tickets raise premiums on new quotes about $485. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,088 per year.

The best auto insurance for Coffee Creek drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,720 per year in auto insurance premiums, which was $1,117 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 $836 less each year.

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

In Coffee Creek, State Farm costs young drivers $1,821 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 Coffee Creek. With an average cost of $5,415 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 Coffee Creek

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

The cheapest car insurance in Coffee Creek for drivers with bad credit

People with poor credit saved an average of $705 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,017 every year. Premiums for people with poor credit were about $2,620 in Coffee Creek. 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 Coffee Creek car insurance company for customer service

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

Nationwide was the best company for customer service in Coffee Creek 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 Coffee Creek, 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 Coffee Creek. 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 Coffee Creek

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 45% of Coffee Creek 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 Coffee Creek 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 Coffee Creek, 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 Coffee Creek

What Influences the Cost of Car Insurance in Coffee Creek?

On average, car insurance in Coffee Creek 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 Coffee Creek is 26 minutes, which is about the national 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 low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Coffee Creek is a fairly densely populated area 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 Coffee Creek 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

  • Denton: Insurance costs 0.37% less
  • Geraldine: Insurance costs 1.25% more
  • Stanford: Insurance costs 0.56% more
  • Windham: Insurance costs 0.44% more
  • Geyser: Insurance costs 0.50% more
  • Moccasin: Insurance costs 0.44% more
  • Shonkin: Insurance costs 1.25% more
  • Montague: Insurance costs 1.25% more
  • Iliad: Insurance costs 2.31% more
  • Hilger: Insurance costs 0.25% less

Cities with Similar Populations

* Who is the average Coffee Creek driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Coffee Creek 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.