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 Trident, MT

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

 

Start Saving

;

The Cheapest Minimum Coverage in Trident

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

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

Savings for Every Kind of Trident Driver

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

Based on our extensive insurance data, we know the average Trident 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 $396 per year by choosing the right vehicle insurance company. Some Trident residents are paying out over $1,586 extra every year for auto insurance in Trident. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Trident, MT Savings / Yr.
Drivers with good records
$396
Drivers with accidents
$707
Drivers with speeding tickets
$565
Drivers with a DUI conviction
$827
Young drivers
$1,801
Married drivers
$0
Drivers with bad credit
$697

Trident Car Insurance vs. Montana

People living in Trident pay an average of 2.11% less than the typical driver in the state. The average driver in Trident can expect to pay about $755 per year, or $1,586 for full coverage.

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

Car Insurance Prices by Trident Neighborhood

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

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Trident?

The map shows insurance prices in and around Trident, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $28 per year within the city boundaries, with insurance premiums ranging from a high of $1,603 to a low of $1,575. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Trident.

Pick the Best Car Insurance Company for You in Trident

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

The best car insurance provider for most drivers in Trident

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $396 over the average Trident car insurance company.

Visit Site

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

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

In Trident getting into an accident will raise premiums an average 32% for a yearly cost of $2,342. That's $756 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 $707 over the competition.

Visit Site

The best car insurance company for Trident drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $565 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 Trident, tickets raise premiums on new quotes about $480. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,066 per year.

The best auto insurance for Trident drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,691 per year in auto insurance premiums, which was $1,105 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 $827 less each year.

Visit Site

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

In Trident, State Farm costs young drivers $1,801 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 Trident. With an average cost of $5,358 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 Trident

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

The cheapest car insurance in Trident for drivers with bad credit

People with poor credit saved an average of $697 with Travelers.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,006 every year. Premiums for people with poor credit were about $2,592 in Trident. 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 Trident car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 11% of Trident 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 Trident 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 Trident, 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 Trident

What Influences the Cost of Car Insurance in Trident?

On average, car insurance in Trident 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 Trident is 34 minutes, which is far more than average for a driver in the state.
  • Montana state insurance regulations may require higher prices.
  • An average of 11 to 12 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 A- according to CrimeGrade.org.
  • Trident has an average population density 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 Trident 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 Cities

Cities with Similar Populations

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