Cheapest car insurance companies in Missoula 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Nationwide and State Farm in Missoula for 2023. 

Nationwide is the cheapest option for most Missoula drivers, with an average annual rate of $1,067

Car insurance prices in Missoula can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Missoula drivers.

CompaniesAverage 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 offers the cheapest full coverage car insurance for teenage drivers in Missoula, with an average annual cost of $3,140 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

When compared to other car insurance companies, USAA turned out to be the cheapest car insurance company for young drivers in Missoula, offering full coverage at an annual average cost of $1,316.

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.

If you are a senior driver in Missoula and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $895 per year

CompanyTeensYoung AdultsAdultsSeniors
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 

When determining car insurance rates in Missoula, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

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. 

Here are some of the cheapest car insurance companies in Missoula based on driver profile. 

If you're a Missoula driver with poor credit, USAA is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,758 annually

Drivers with poor or bad credit scores in Missoula can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
USAA$1,758
Progressive$1,765
Nationwide$1,836
Geico$1,958
State Farm$2,471
Farmers$3,425
Allstate$4,076

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Missoula. It offers full coverage car insurance for drivers aged 30 at about $1,050 per year

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.

CompanyAverage annual premium
USAA$1,050
State Farm$1,316
Progressive$1,543
Nationwide$1,629
Geico$1,792
Farmers$2,470
Allstate$2,898

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Missoula drivers with at-fault accidents. It provides coverage at an average annual cost of $1,210.

CompanyAverage annual rates
USAA$1,210
State Farm$1,401
Progressive$1,968
Nationwide$2,082
Geico$2,574
Farmers$3,372
Allstate$3,786

State Farm is the cheapest option for Missoula drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,316, on average.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage 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.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.

Average annual RatesState 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.

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