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Get Cheap Car Insurance in Custer, MT

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

 

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The Cheapest Minimum Coverage in Custer

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

 
Custer Insurer Monthly Cost
State Farm $44
Travelers $49
Progressive $51
Midvale Home & Auto $55

Savings for Every Kind of Custer Driver

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

Based on our extensive insurance data, we know the average Custer 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 $414 per year by choosing the right vehicle insurance company. Some Custer residents are paying out over $1,655 extra every year for auto insurance in Custer. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Custer, MT Savings / Yr.
Drivers with good records
$414
Drivers with accidents
$738
Drivers with speeding tickets
$590
Drivers with a DUI conviction
$863
Young drivers
$1,880
Married drivers
$0
Drivers with bad credit
$728

Custer Car Insurance vs. Montana

People living in Custer pay an average of 2.18% more than the typical driver in the state. The average driver in Custer can expect to pay about $788 per year, or $1,655 for full coverage.

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

Car Insurance Prices by Custer Neighborhood

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

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Custer?

The map shows insurance prices in and around Custer, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $16 per year within the city boundaries, with insurance premiums ranging from a high of $1,656 to a low of $1,640. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Custer.

Pick the Best Car Insurance Company for You in Custer

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

The best car insurance provider for most drivers in Custer

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $414 over the average Custer car insurance company.

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We use the average good driver, paying $103 per month, as our baseline for pricing in Custer. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

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

In Custer getting into an accident will raise premiums an average 32% for a yearly cost of $2,444. That's $789 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 $738 over the competition.

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The best car insurance company for Custer drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $590 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 Custer, tickets raise premiums on new quotes about $501. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,156 per year.

The best auto insurance for Custer drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,809 per year in auto insurance premiums, which was $1,154 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 $863 less each year.

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

In Custer, State Farm costs young drivers $1,880 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 Custer. With an average cost of $5,592 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 Custer

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

The cheapest car insurance in Custer for drivers with bad credit

People with poor credit saved an average of $728 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,050 every year. Premiums for people with poor credit were about $2,706 in Custer. 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 Custer car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Custer 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 Custer 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 Custer, 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 Custer

What Influences the Cost of Car Insurance in Custer?

On average, car insurance in Custer 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 Custer is 34 minutes, which is far more than average for a driver in the state.
  • Montana state insurance regulations may require higher prices.
  • An average of 25 to 26 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Custer 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 Custer is $66 per month for minimum coverage and $138 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 Custer driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Custer 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.