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Get Cheap Car Insurance in Hays, MT
We monitor insurance prices, helping the average driver in Hays save up to 33.6% on car insurance.
The Cheapest Minimum Coverage in Hays
The chart below shows the cheapest car insurance company in Hays 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.
| Hays Insurer | Monthly Cost |
|---|---|
| State Farm | $45 |
| Travelers | $49 |
| Progressive | $51 |
| Midvale Home & Auto | $55 |
Savings for Every Kind of Hays Driver
Based on our extensive insurance data, we know the average Hays 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 $419 per year by choosing the right vehicle insurance company. Some Hays residents are paying out over $1,676 extra every year for auto insurance in Hays. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hays, MT Savings / Yr. |
|---|---|
$419 |
|
$747 |
|
$597 |
|
$874 |
|
$1,904 |
|
$0 |
|
$737 |
Hays Car Insurance vs. Montana
People living in Hays pay an average of 3.47% more than the typical driver in the state. The average driver in Hays can expect to pay about $798 per year, or $1,676 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Hays for most people.
Car Insurance Prices by Hays Neighborhood
Insurance Prices
Where is insurance cheapest within Hays?
The map shows insurance prices in and around Hays, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $33 per year within the city boundaries, with insurance premiums ranging from a high of $1,678 to a low of $1,645. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Hays.Pick the Best Car Insurance Company for You in Hays
The best car insurance provider for most drivers in Hays
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $419 over the average Hays car insurance company.
The best car insurance provider for Hays drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $747 over the competition.
The best car insurance company for Hays drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $597 better than other car insurance companies.
The best auto insurance for Hays drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $874 less each year.
The least expensive car insurance company for new and young drivers in Hays
In Hays, State Farm costs young drivers $1,904 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hays
The cheapest car insurance in Hays for drivers with bad credit
The best Hays car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hays
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Hays driver can expect to pay about $101 per month.
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 Hays, 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.Auto Insurance Prices in and Around Hays
What Influences the Cost of Car Insurance in Hays?
On average, car insurance in Hays 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 Hays 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 very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Hays has an average population density 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 Hays is $66 per month for minimum coverage and $140 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
- Lodge Pole: Insurance costs 0.24% less
- Zortman: Insurance costs 1.85% less
- Landusky: Insurance costs 1.61% less
- Lloyd: Insurance costs 1.19% less
- Regina: Insurance costs 1.85% less
- Savoy: Insurance costs 1.13% less
- Dodson: Insurance costs 1.79% less
- Harlem: Insurance costs 1.07% less
- Warrick: Insurance costs 1.61% less
- Winifred: Insurance costs 3.88% less
Cities with Similar Populations
- Lore City: Insurance costs 34.37% less
- Strayhorn: Insurance costs 1.79% more
- Stratford: Insurance costs 26.07% less
- Stoutland: Insurance costs 6.62% more
- Stokes: Insurance costs 6.44% more
- Stella: Insurance costs 5.91% more
- South Cle Elum: Insurance costs 19.39% less
- Silo: Insurance costs 0.95% less
- Sherwood Shores: Insurance costs 4.47% more
- Shauck: Insurance costs 34.73% less