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Get Cheap Car Insurance in Monida, MT

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

 

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The Cheapest Minimum Coverage in Monida

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

 
Monida Insurer Monthly Cost
State Farm $42
Travelers $46
Progressive $48
Midvale Home & Auto $52

Savings for Every Kind of Monida Driver

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

Based on our extensive insurance data, we know the average Monida 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 $393 per year by choosing the right vehicle insurance company. Some Monida residents are paying out over $1,571 extra every year for auto insurance in Monida. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Monida, MT Savings / Yr.
Drivers with good records
$393
Drivers with accidents
$700
Drivers with speeding tickets
$560
Drivers with a DUI conviction
$820
Young drivers
$1,785
Married drivers
$0
Drivers with bad credit
$691

Monida Car Insurance vs. Montana

People living in Monida pay an average of 3.00% less than the typical driver in the state. The average driver in Monida can expect to pay about $748 per year, or $1,571 for full coverage.

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

Car Insurance Prices by Monida Neighborhood

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

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Monida?

The map shows insurance prices in and around Monida, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1 per year within the city boundaries, with insurance premiums ranging from a high of $1,572 to a low of $1,571. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Monida.

Pick the Best Car Insurance Company for You in Monida

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

The best car insurance provider for most drivers in Monida

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $393 over the average Monida car insurance company.

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We use the average good driver, paying $98 per month, as our baseline for pricing in Monida. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

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

In Monida getting into an accident will raise premiums an average 32% for a yearly cost of $2,320. That's $749 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 $700 over the competition.

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The best car insurance company for Monida drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $560 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 Monida, tickets raise premiums on new quotes about $475. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,047 per year.

The best auto insurance for Monida drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,667 per year in auto insurance premiums, which was $1,095 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 $820 less each year.

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

In Monida, State Farm costs young drivers $1,785 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 Monida. With an average cost of $5,309 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 Monida

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

The cheapest car insurance in Monida for drivers with bad credit

People with poor credit saved an average of $691 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $997 every year. Premiums for people with poor credit were about $2,569 in Monida. 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 Monida car insurance company for customer service

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

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

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

What Influences the Cost of Car Insurance in Monida?

On average, car insurance in Monida 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 Monida is 22 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 22 to 23 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.
  • Monida is one of the most densely populated areas 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 Monida is $62 per month for minimum coverage and $131 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 Monida driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Monida 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.