Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Sun Prairie, MT

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

 

Start Saving

;

The Cheapest Minimum Coverage in Sun Prairie

The chart below shows the cheapest car insurance company in Sun Prairie 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.

 
Sun Prairie Insurer Monthly Cost
State Farm $44
Travelers $48
Progressive $50
Midvale Home & Auto $54

Savings for Every Kind of Sun Prairie Driver

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

Based on our extensive insurance data, we know the average Sun Prairie 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 $410 per year by choosing the right vehicle insurance company. Some Sun Prairie residents are paying out over $1,640 extra every year for auto insurance in Sun Prairie. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Sun Prairie, MT Savings / Yr.
Drivers with good records
$410
Drivers with accidents
$731
Drivers with speeding tickets
$584
Drivers with a DUI conviction
$855
Young drivers
$1,863
Married drivers
$0
Drivers with bad credit
$721

Sun Prairie Car Insurance vs. Montana

People living in Sun Prairie pay an average of 1.24% more than the typical driver in the state. The average driver in Sun Prairie can expect to pay about $781 per year, or $1,640 for full coverage.

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

Car Insurance Prices by Sun Prairie Neighborhood

Sun Prairie, MT map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Sun Prairie?

The map shows insurance prices in and around Sun Prairie, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $22 per year within the city boundaries, with insurance premiums ranging from a high of $1,645 to a low of $1,623. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Sun Prairie.

Pick the Best Car Insurance Company for You in Sun Prairie

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

The best car insurance provider for most drivers in Sun Prairie

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $410 over the average Sun Prairie car insurance company.

Visit Site

We use the average good driver, paying $103 per month, as our baseline for pricing in Sun Prairie. State Farm, Travelers, and MetLife are all good choices for quotes if you have a clean record.

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

In Sun Prairie getting into an accident will raise premiums an average 32% for a yearly cost of $2,422. That's $782 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 $731 over the competition.

Visit Site

The best car insurance company for Sun Prairie drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $584 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Sun Prairie, tickets raise premiums on new quotes about $496. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,136 per year.

The best auto insurance for Sun Prairie drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,783 per year in auto insurance premiums, which was $1,143 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 $855 less each year.

Visit Site

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

In Sun Prairie, State Farm costs young drivers $1,863 less each year versus the average auto insurance bill.

Visit Site

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 Sun Prairie. With an average cost of $5,541 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 Sun Prairie

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

The cheapest car insurance in Sun Prairie for drivers with bad credit

People with poor credit saved an average of $721 with Travelers.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,041 every year. Premiums for people with poor credit were about $2,681 in Sun Prairie. 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 Sun Prairie car insurance company for customer service

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

Nationwide was the best company for customer service in Sun Prairie according to the NAIC.

Visit Site

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 Sun Prairie, which was better than other insurers.

Visit Site

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 Sun Prairie. 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 Sun Prairie

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Sun Prairie 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 Sun Prairie driver can expect to pay about $101 per month.

Visit Site

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 Sun Prairie, 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 Sun Prairie

What Influences the Cost of Car Insurance in Sun Prairie?

On average, car insurance in Sun Prairie 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 Sun Prairie 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 20 to 21 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 C+ according to CrimeGrade.org.
  • Sun Prairie 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 Sun Prairie is $65 per month for minimum coverage and $137 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

  • Regina: Insurance costs 0.30% more
  • Brusett: Insurance costs 6.65% more
  • Malta: Insurance costs 1.65% more
  • Wagner: Insurance costs 1.22% more
  • Saco: Insurance costs 0.55% more
  • Tampico: Insurance costs 0.49% less
  • Landusky: Insurance costs 0.55% more
  • Hinsdale: Insurance costs 0.55% more
  • Zortman: Insurance costs 0.30% more
  • Jordan: Insurance costs 6.71% more

Cities with Similar Populations

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