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Get Cheap Car Insurance in Heart of Missoula, Missoula, MT

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

 

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The Cheapest Minimum Coverage in Heart of Missoula

The chart below shows the cheapest car insurance company in Heart of Missoula 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.

 
Heart of Missoula Insurer Monthly Cost
State Farm $42
Travelers $47
Progressive $49
Midvale Home & Auto $52

Savings for Every Kind of Heart of Missoula Driver

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

Based on our extensive insurance data, we know the average Heart of Missoula 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 $397 per year by choosing the right vehicle insurance company. Some Heart of Missoula residents are paying out over $1,589 extra every year for auto insurance in Heart of Missoula. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Heart of Missoula, Missoula, MT Savings / Yr.
Drivers with good records
$397
Drivers with accidents
$708
Drivers with speeding tickets
$566
Drivers with a DUI conviction
$829
Young drivers
$1,805
Married drivers
$0
Drivers with bad credit
$699

Heart of Missoula Car Insurance vs. Missoula

People living in Heart of Missoula pay an average of 1.89% less than the typical driver in the state. The average driver in Heart of Missoula can expect to pay about $756 per year, or $1,589 for full coverage.

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

Car Insurance Prices by Heart of Missoula Neighborhood

Heart of Missoula, Missoula, MT map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Heart of Missoula?

The map shows insurance prices in and around Heart of Missoula, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $129 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,634 to a low of $1,505. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Heart of Missoula.

Pick the Best Car Insurance Company for You in Heart of Missoula

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 Heart of Missoula insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Heart of Missoula

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $397 over the average Heart of Missoula car insurance company.

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We use the average good driver, paying $99 per month, as our baseline for pricing in Heart of Missoula. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

The best car insurance provider for Heart of Missoula drivers with accidents on their records

In Heart of Missoula getting into an accident will raise premiums an average 32% for a yearly cost of $2,347. That's $757 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 $708 over the competition.

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The best car insurance company for Heart of Missoula drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $566 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 Heart of Missoula, tickets raise premiums on new quotes about $481. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,070 per year.

The best auto insurance for Heart of Missoula drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,697 per year in auto insurance premiums, which was $1,108 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 $829 less each year.

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The least expensive car insurance company for new and young drivers in Heart of Missoula

In Heart of Missoula, State Farm costs young drivers $1,805 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 Heart of Missoula. With an average cost of $5,370 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 Heart of Missoula

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

The cheapest car insurance in Heart of Missoula for drivers with bad credit

People with poor credit saved an average of $699 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,009 every year. Premiums for people with poor credit were about $2,598 in Heart of Missoula. 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 Heart of Missoula car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Heart of Missoula, 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 Heart of Missoula.

Nationwide was the best company for customer service in Heart of Missoula 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 Heart of Missoula, 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 Heart of Missoula. 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 Heart of Missoula

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 74% of Heart of Missoula residents who are renting, and don't plan to be in the neighborhood or city 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 Heart of Missoula 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 Heart of Missoula, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Heart of Missoula

What Influences the Cost of Car Insurance in Heart of Missoula?

On average, car insurance in Heart of Missoula 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 neighborhood are influenced by the following factors:

  • The average commute time in Heart of Missoula is 20 minutes, which is a little more than average for a driver in the city.
  • Montana state insurance regulations may require higher prices.
  • An average of 18 to 19 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Heart of Missoula is a lightly populated area in the state. The neighborhood’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 Heart of Missoula is $63 per month for minimum coverage and $132 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 Neighborhoods

Neighborhoods with Similar Populations

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