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Cheapest car insurance in Helena, Montana (Nov 2024)
Cheapest car insurance in Helena, Montana (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Helena, Montana.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Helena
- Best car insurance companies in Helena
- Best cheap car insurance quotes in Helena
- Average cost of car insurance in Helena
- Car insurance quotes in Helena by rating factors
- How do different factors impact your car insurance costs in Helena?
- Cheap car insurance quotes in Helena after driving violations
- Cheap car insurance quotes in Helena by age
- Cheap car insurance quotes in Helena based on insurance history
- Cheap car insurance quotes in Helena for popular cars
- How to lower car insurance costs in Helena
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Helena
On average,
auto insurance
in Helena costs about $58 per month for minimum coverage liability insurance, and about $144 per month for full coverage insurance. Helena drivers pay -- than the Montana
average. Smart car insurance shoppers in Helena, Montana come to Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some of the cheapest car insurance quotes Jerry found for our Helena customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $61 | Sadie, 42 Zip: 59602 | Toyota 4runner SR5 | • 50,000/100,000 Liability |
| Safeco | $118 | Walter, 60 Zip: 59602 | Ford Edge Titanium | • 100,000/300,000 Liability • Comp / Collision |
| Kemper | $74 | Lelia, 33 Zip: 59601 | Ford Edge Sport | • State Minimum Liability |
Last Updated Nov 23, 2024Best car insurance companies in Helena
There is no single best car insurance company for everyone. Every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service. To help drivers better compare the cheapest car insurance companies, Jerry conducted the industry’s largest nationwide survey to determine which car insurance companies offer the best rates in Montana.
While the research revealed there’s no one “best” provider for affordable insurance in Big Sky Country, Montanans rated
GEICO
5/5 for both claims satisfaction and customer service—but they only rated it a 3/5 when it came to policy costs.| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.1 | 4 | N/A | 4.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Helena
In Montana, all drivers must carry
minimum liability coverage
. That means it’s also the minimal amount of car insurance you need to have in Helena and gives you the cheapest rate. But depending on your circumstances and preference, you may opt to carry higher liability limits or full coverage car insurance to offer greater protection for you and your vehicle.
Cheap minimum liability insurance quotes in Helena
To drive legally in Helena , you must meet
Montana’s minimum liability insurance requirements
. Those include: - $25,000 per person / $50,000 per accident in bodily injury liability coverage
- $20,000 per accident in property damage liability coverage
These coverages are commonly referred to as 25/50/20 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving. But it does not cover your personal medical expenses or damages if you are at fault.
Jerry has helped Helena car owners find the best rates on minimum liability coverage.
Lillie (31 years old)
$149
per month
Do you need more than minimum coverage in Helena?
Montana’s 25/50/20 minimum liability insurance may not be enough to cover the costs of an at-fault accident in Helena.
For example, the minimum amount of property damage coverage—that is, $20,000—can quickly get exhausted in a multiple-vehicle collision or if you cause damage to a new or luxury vehicle. Similarly, an accident that injures multiple drivers can quickly deplete your $50,000 limit for bodily injury coverage.
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket—so it’s worth investing in extra coverage.
And keep in mind that
Montana's car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Helena
To protect yourself against expenses associated with repairing or replacing your vehicle,
full coverage car insurance
is the only option.Full coverage typically includes
comprehensive
and collision coverage
, in addition to your state's minimum liability limits:- Collision coverage helps cover the costs of repairs to your vehicle following an accident.
- Comprehensive coverage handles costs associated with non-collision incidents, such as theft, vandalism, or weather damage.
If you want to safeguard your finances from steep accident expenses, you want full-coverage car insurance. Repairing or replacing your vehicle can cost thousands of dollars, but it doesn’t have to come out of your wallet if you have adequate coverage.
Drivers can choose to enhance their insurance protection by purchasing additional coverages for an extra premium. Popular insurance add-ons in Montana include:
- Uninsured/underinsured motorist coverage (UM/UIM)
The table below shows some recent examples of cheapest Helena full coverage quotes that Jerry’s agents helped our customers find.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $149 | Lillie, 31 Zip: 59602 | RAM 3500 ST |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $118 | Walter, 60 Zip: 59602 | Ford Edge Titanium |
• 50,000/100,000 Liability • Comp / Collision | Kemper | $378 | Edward, 24 Zip: 59601 | Ford F150 Super Cab |
Last Updated Nov 19, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Helena
Based on our experience in assisting thousands of insurance customers in The Treasure State, we’ve learned that the average annual cost of minimum liability insurance in Helena is $58 per month or $697 per year. Full-coverage insurance in Helena will cost around $144 per month or $1,730 per year.
While insurance averages can help you predict your personal costs, they should be understood more as a general guideline than hard facts. Each driver’s premium is calculated uniquely based on factors like demographics, discount eligibility, driving history, and more.
Average cost of car insurance in Helena by zip code
Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors like population density, accident rates, crime statistics, and local weather conditions when calculating your premium.
Insurance companies consider factors such as population density, crime rates, traffic congestion, weather, and the frequency of accidents in a particular area.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
59601 | $37 | $118 |
59602 | $72 | $120 |
Car insurance quotes in Helena by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Helena?
How do different factors impact your car insurance costs in Helena?
Allowed (with applicable limitations): Age, driving experience, credit history, occupation, employment Status, zip code, insurance history
Prohibited (or effectively prohibited): Gender, education, marital status
Learn more about the car insurance rating factors in Helena:
Cheap car insurance quotes in Helena after driving violations
If insurance companies detect a record of violations, they will consider you are a higher risk to insure—and charge you a higher rate.
Cheapest car insurance in Helena after speeding ticket
Speeding tickets
are among the most common road violations, and they can have a big impact on your car insurance. In Helena, car insurance costs can increase as much as 22% following a speeding violation.On the bright side, Jerry can effectively help drivers with speeding tickets save on their car insurance premiums:
Last Updated Nov 18, 2024 Cheapest car insurance in Helena after DUI
In Helena,
a DUI violation
can affect your insurance rates more than any other violation. Having a DUI on your driving record will likely result in insurance providers charging significantly higher rates or even refusing to cover you altogether.Drivers with DUI convictions may need to compare rates from multiple companies to find affordable coverage. That’s where Jerry can help:
Cheapest car insurance in Helena after an at-fault accident
Insurance companies also consider your claims history, including whether you have a history of at-fault accidents. Drivers with recent at-fault accidents could face seriously steep rates.
Jerry has helped many Helena drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $339 | Troy, 27 Zip: 59602 | Dodge Journey SXT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $215 | Georgie, 58 Zip: 59602 | Chevrolet Silverado K1500 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Progressive | $162 | Chad, 23 Zip: 59602 | Toyota Camry XSE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $215 | Garrett, 58 Zip: 59602 | Chevrolet Silverado K1500 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 23, 2024Cheapest car insurance in Helena after other driving violations
Aside from speeding tickets and DUIs, other types of driving violations can also raise your car insurance rates in Helena.
Common moving violations include speeding,
reckless driving
, and driving with a suspended license. Explore how Jerry has helped policyholders with violations on their driving records lower their monthly premiums.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $248 | Minnie, 23 Zip: 59601 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Progressive | $248 | Margaret, 23 Zip: 59601 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Cheap car insurance quotes in Helena by age
Teenage and senior drivers pay some of the highest insurance rates compared to the national average.
Cheapest car insurance in Helena for young drivers
In Helena,
Insurance for new drivers
is typically higher than any other age group, in large part due to their limited driving experience and insurance history. But as teenage drivers mature into young adults, their rates tend to gradually drop off.Despite already-elevated insurance costs, young drivers would benefit from a full-coverage policy and/or higher coverage limits. Full-coverage insurance can give novice drivers added protection and an extra boost of confidence while helping parents maintain peace of mind.
Bruce (24 years old)
$162
per month
Cheapest car insurance in Helena for senior drivers
Similar to teen drivers,
car insurance for senior drivers
tends to be expensive because they are considered a high-risk age group:- Senior drivers have a higher probability of being involved in car accidents
- Accidents involving senior drivers often lead to more severe injuries and higher medical expenses
As a result, drivers may notice an increase in their car insurance premiums once they reach age 75.
Gerald (70 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Helena, MT (Zip Code: 59601)
$78
per month
Cheap car insurance quotes in Helena based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Shawn (30 years old)
$149
per month
Polly (30 years old)
$149
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Helena for drivers with poor credit
While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $162 | Virgie, 23 Zip: 59602 | Toyota Camry XSE | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $65 | Rosie, 41 Zip: 59602 | Toyota 4runner SR5 | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $65 | Jordan, 41 Zip: 59602 | Toyota 4runner SR5 | • State Minimum Liability • Comp / Collision |
550 - 659 | Progressive | $149 | Chris, 30 Zip: 59602 | RAM 3500 ST | • State Minimum Liability • Comp / Collision |
< 550 | Progressive | $85 | Jeremy, 36 Zip: 59601 | Dodge Grand Caravan Crew | • State Minimum Liability |
Last Updated Nov 20, 2024Cheap car insurance quotes in Helena for popular cars
The type of vehicle you drive influences the price you pay for car insurance. Popular models can incur higher rates—but there are a variety of rating factors that your insurance provider considers, including the average cost of replacement parts and repairs, the likelihood of theft, and the overall safety rating of the vehicle.
The most popular car models for drivers in this area include:
Last Updated Nov 23, 2024How to lower car insurance costs in Helena
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Helena?
People living in Helena pay on average $58 per month – or $697 per year – on state-minimum liability coverage. Full coverage in Helena costs on average $144 per month or $1,730 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance.
What is the minimum car insurance in Helena, Montana?
The state-minimum car insurance in Helena, Montana is $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 for damage to property. These coverages are commonly referred to as 25/50/20 coverage.
What is the best car insurance in Helena?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, Travelers, and Dairyland receive good ratings from Helena drivers, based on the largest car insurance survey in the nation conducted by Jerry.
What is the cheapest car insurance in Helena?
Based on thousands of Helena drivers Jerry has worked with, car insurance in Helena costs an average of $58 per month for state-minimum coverage and $144 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but some of the most affordable providers in the city are Bristol West, Direct Auto, and Clearcover.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.