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Get Cheap Car Insurance in Wisdom, MT

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

 

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The Cheapest Minimum Coverage in Wisdom

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

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

Savings for Every Kind of Wisdom Driver

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

Based on our extensive insurance data, we know the average Wisdom 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 $395 per year by choosing the right vehicle insurance company. Some Wisdom residents are paying out over $1,579 extra every year for auto insurance in Wisdom. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Wisdom, MT Savings / Yr.
Drivers with good records
$395
Drivers with accidents
$704
Drivers with speeding tickets
$562
Drivers with a DUI conviction
$823
Young drivers
$1,793
Married drivers
$0
Drivers with bad credit
$694

Wisdom Car Insurance vs. Montana

People living in Wisdom pay an average of 2.56% less than the typical driver in the state. The average driver in Wisdom can expect to pay about $751 per year, or $1,579 for full coverage.

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

Car Insurance Prices by Wisdom Neighborhood

Wisdom, 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 Wisdom?

The map shows insurance prices in and around Wisdom, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,579 to a low of $1,579. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Wisdom.

Pick the Best Car Insurance Company for You in Wisdom

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

The best car insurance provider for most drivers in Wisdom

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $395 over the average Wisdom car insurance company.

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

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

In Wisdom getting into an accident will raise premiums an average 32% for a yearly cost of $2,331. That's $752 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 $704 over the competition.

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The best car insurance company for Wisdom drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $562 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 Wisdom, tickets raise premiums on new quotes about $477. If you have a speeding ticket, we recommend State Farm, Geico, and Travelers for savings that beat the average insurance cost of $2,056 per year.

The best auto insurance for Wisdom drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,679 per year in auto insurance premiums, which was $1,100 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 $823 less each year.

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

In Wisdom, State Farm costs young drivers $1,793 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 Wisdom. With an average cost of $5,333 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 Wisdom

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

The cheapest car insurance in Wisdom for drivers with bad credit

People with poor credit saved an average of $694 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,002 every year. Premiums for people with poor credit were about $2,580 in Wisdom. 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 Wisdom car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 25% of Wisdom 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 Wisdom 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 Wisdom, 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 Wisdom

What Influences the Cost of Car Insurance in Wisdom?

On average, car insurance in Wisdom 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 Wisdom is 21 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 0 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.
  • Wisdom 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 Wisdom 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

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