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Get Cheap Car Insurance in Helena Valley Northwest, MT

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

 

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The Cheapest Minimum Coverage in Helena Valley Northwest

The chart below shows the cheapest car insurance company in Helena Valley Northwest 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.

 
Helena Valley Northwest Insurer Monthly Cost
State Farm $41
Travelers $45
Progressive $47
Midvale Home & Auto $51

Savings for Every Kind of Helena Valley Northwest Driver

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

Based on our extensive insurance data, we know the average Helena Valley Northwest 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 $385 per year by choosing the right vehicle insurance company. Some Helena Valley Northwest residents are paying out over $1,541 extra every year for auto insurance in Helena Valley Northwest. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Helena Valley Northwest, MT Savings / Yr.
Drivers with good records
$385
Drivers with accidents
$687
Drivers with speeding tickets
$549
Drivers with a DUI conviction
$804
Young drivers
$1,750
Married drivers
$0
Drivers with bad credit
$677

Helena Valley Northwest Car Insurance vs. Montana

People living in Helena Valley Northwest pay an average of 4.90% less than the typical driver in the state. The average driver in Helena Valley Northwest can expect to pay about $733 per year, or $1,541 for full coverage.

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

Car Insurance Prices by Helena Valley Northwest Neighborhood

Helena Valley Northwest, 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 Helena Valley Northwest?

The map shows insurance prices in and around Helena Valley Northwest, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $39 per year within the city boundaries, with insurance premiums ranging from a high of $1,570 to a low of $1,531. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Helena Valley Northwest.

Pick the Best Car Insurance Company for You in Helena Valley Northwest

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 Helena Valley Northwest insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Helena Valley Northwest

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $385 over the average Helena Valley Northwest car insurance company.

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We use the average good driver, paying $96 per month, as our baseline for pricing in Helena Valley Northwest. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

The best car insurance provider for Helena Valley Northwest drivers with accidents on their records

In Helena Valley Northwest getting into an accident will raise premiums an average 32% for a yearly cost of $2,275. That's $734 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 $687 over the competition.

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The best car insurance company for Helena Valley Northwest drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $549 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 Helena Valley Northwest, tickets raise premiums on new quotes about $466. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,007 per year.

The best auto insurance for Helena Valley Northwest drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,614 per year in auto insurance premiums, which was $1,074 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 $804 less each year.

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The least expensive car insurance company for new and young drivers in Helena Valley Northwest

In Helena Valley Northwest, State Farm costs young drivers $1,750 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 Helena Valley Northwest. With an average cost of $5,205 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 Helena Valley Northwest

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

The cheapest car insurance in Helena Valley Northwest for drivers with bad credit

People with poor credit saved an average of $677 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $978 every year. Premiums for people with poor credit were about $2,518 in Helena Valley Northwest. 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 Helena Valley Northwest car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Helena Valley Northwest, 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 Helena Valley Northwest.

Nationwide was the best company for customer service in Helena Valley Northwest 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 Helena Valley Northwest, 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 Helena Valley Northwest. 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 Helena Valley Northwest

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 5.7% of Helena Valley Northwest 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 Helena Valley Northwest 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 Helena Valley Northwest, 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 Helena Valley Northwest

What Influences the Cost of Car Insurance in Helena Valley Northwest?

On average, car insurance in Helena Valley Northwest 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 Helena Valley Northwest is 24 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 8 to 9 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.
  • Helena Valley Northwest is one of the least populated areas 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 Helena Valley Northwest is $61 per month for minimum coverage and $128 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 Helena Valley Northwest driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Helena Valley Northwest 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.