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Get Cheap Car Insurance in Moiese, MT

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

 

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The Cheapest Minimum Coverage in Moiese

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

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

Savings for Every Kind of Moiese Driver

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

Based on our extensive insurance data, we know the average Moiese 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 $400 per year by choosing the right vehicle insurance company. Some Moiese residents are paying out over $1,600 extra every year for auto insurance in Moiese. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Moiese Car Insurance vs. Montana

People living in Moiese pay an average of 1.23% less than the typical driver in the state. The average driver in Moiese can expect to pay about $762 per year, or $1,600 for full coverage.

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

Car Insurance Prices by Moiese Neighborhood

Moiese, 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 Moiese?

The map shows insurance prices in and around Moiese, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $44 per year within the city boundaries, with insurance premiums ranging from a high of $1,627 to a low of $1,583. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the North parts of Moiese.

Pick the Best Car Insurance Company for You in Moiese

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

The best car insurance provider for most drivers in Moiese

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $400 over the average Moiese car insurance company.

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

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

In Moiese getting into an accident will raise premiums an average 32% for a yearly cost of $2,363. That's $763 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 $713 over the competition.

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The best car insurance company for Moiese drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $570 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 Moiese, tickets raise premiums on new quotes about $484. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,084 per year.

The best auto insurance for Moiese drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,715 per year in auto insurance premiums, which was $1,115 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 $835 less each year.

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

In Moiese, State Farm costs young drivers $1,817 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 Moiese. With an average cost of $5,406 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 Moiese

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

The cheapest car insurance in Moiese for drivers with bad credit

People with poor credit saved an average of $703 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,015 every year. Premiums for people with poor credit were about $2,616 in Moiese. 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 Moiese car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Moiese 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 Moiese 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 Moiese, 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 Moiese

What Influences the Cost of Car Insurance in Moiese?

On average, car insurance in Moiese 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 Moiese 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 7 to 8 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Moiese is a lightly populated area 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 Moiese is $63 per month for minimum coverage and $133 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

  • Dixon: Insurance costs 1.69% more
  • Charlo: Insurance costs 0.19% less
  • Ravalli: Insurance costs 0.75% more
  • St. Ignatius: Insurance costs 1.69% more
  • Kicking Horse: Insurance costs 0.25% more
  • Ronan: Insurance costs 0.06% less
  • Perma: Insurance costs 0.50% more
  • Pablo: Insurance costs 1.44% more
  • Arlee: Insurance costs 1.13% more
  • Stark: Insurance costs 2.00% less

Cities with Similar Populations

  • San Miguel: Insurance costs 13.13% less
  • Lowman: Insurance costs 31.81% less
  • Lucien: Insurance costs 6.56% more
  • Macedon: Insurance costs 36.31% less
  • Mallow: Insurance costs 26.44% less
  • Manningham: Insurance costs 5.88% less
  • Manville: Insurance costs 24.88% less
  • Melrude: Insurance costs 3.31% more
  • Menlo: Insurance costs 18.25% less
  • Salado: Insurance costs 7.69% more
* Who is the average Moiese driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Moiese 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.