Cheapest car insurance companies in Missoula
Nationwide and State Farm offer the cheapest car insurance rates in Missoula for 2023, according to a study by Insurance.com.
Nationwide has the cheapest car insurance rates in Missoula at an average cost of $1,067 per year.
Car insurance costs may vary in Missoula based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Missoula.
| Companies | Average annual rates |
|---|---|
| USAA | $837 |
| Nationwide | $1,067 |
| State Farm | $1,666 |
| Progressive | $1,832 |
| Geico | $1,936 |
| Kemper Insurance | $2,252 |
| Farmers | $2,832 |
| Allstate | $2,845 |
Cheapest car insurance cost in Missoula by Age Group
Nationwide is the cheapest option for car insurance in Missoula for teen drivers, with average annual premiums at just $3,140 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
For young drivers in Missoula, USAA has the cheapest auto insurance rates, with an average annual cost of $1,316 annually.
An analysis of car insurance rates for Missoula drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $852 per year.
With an average annual premium of $895, USAA offers Missoula's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Nationwide | $3,140 | $1,749 | $1,075 | $1,014 |
| USAA | $3,152 | $1,316 | $852 | $895 |
| State Farm | $4,441 | $2,633 | $1,650 | $1,593 |
| Geico | $5,864 | $3,535 | $1,897 | $2,376 |
| Progressive | $6,177 | $3,211 | $1,861 | $1,856 |
| Kemper Insurance | $8,195 | $4,151 | $2,299 | $1,994 |
| Farmers | $8,863 | $3,518 | $2,695 | $2,883 |
| Allstate | $9,560 | $4,537 | $2,815 | $2,838 |
Cheapest car insurance companies in Missoula by driver profile
Insurers in Missoula consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
To find the cheapest car insurance company in Missoula, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Missoula drivers based on driver profile.
- Cheapest for a driver with poor credit: USAA
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
USAA is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Missoula drivers is $1,758.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| USAA | $1,758 |
| Progressive | $1,765 |
| Nationwide | $1,836 |
| Geico | $1,958 |
| State Farm | $2,471 |
| Farmers | $3,425 |
| Allstate | $4,076 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Missoula with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,050.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| USAA | $1,050 |
| State Farm | $1,316 |
| Progressive | $1,543 |
| Nationwide | $1,629 |
| Geico | $1,792 |
| Farmers | $2,470 |
| Allstate | $2,898 |
Cheapest auto insurance after an at-fault accident: USAA
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Missoula with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $1,210 annually.
| Company | Average annual rates |
|---|---|
| USAA | $1,210 |
| State Farm | $1,401 |
| Progressive | $1,968 |
| Nationwide | $2,082 |
| Geico | $2,574 |
| Farmers | $3,372 |
| Allstate | $3,786 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Missoula for drivers with a DUI, with an average annual premium of $1,316.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $1,316 |
| Progressive | $1,589 |
| USAA | $1,843 |
| Nationwide | $2,860 |
| Farmers | $3,497 |
| Allstate | $4,217 |
| Geico | $7,557 |
Average car insurance cost in Missoula
In Missoula, the annual cost of car insurance for the coverage level of 100/300/100 is $1,908 or around $159 per month. However, the average yearly rate for state minimum coverage in Missoula is $399.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,908 | $399 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
