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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Hamilton Montana

Why Are Car Insurance Rates So Expensive Near Me

Residents of Hamilton pay some of the highest rates for car insurance in the United States. Montana drivers pay on average about 7% more for auto insurance than the national average. Montana's high rates are due to a number of factors including its large rural population, higher-than-average accident and uninsured motorist claims, and higher minimum coverage requirements. Montana is also one of only two states that does not allow insurers to use credit scores when calculating premiums, which can further increase premiums.

Additionally, Montana has a high rate of teen drivers who lack experience behind the wheel, driving up overall costs as well. To offset these costs, Hamilton residents should compare quotes from multiple providers and look into discounts such as those offered for safe driving habits or for bundling home and auto insurance. Taking a defensive driving course may also help Montana drivers save money on car insurance. Ultimately, Montana drivers should be aware of the costs associated with insuring their vehicle and make sure to shop around for the best rates available.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $4,627
20 Years $1,832
30 Years $1,411
40 Years $1,358
50 Years $1,257
60 Years $1,275
70 Years $1,484

Auto Insurance Rates for Young vs Older People

Montana has some of the least expensive auto insurance rates in the US depending on your age and other factors. However, when it comes to young vs older drivers, there is a significant difference. The average cost of auto insurance for Hamilton drivers under 25 is significantly higher than those 25 and over. For example, Montana drivers between the ages of 16-19 pay an average annual rate of $1,737 compared to drivers 20-24 who pay an average annual rate of $1,309. On the other hand, Montana drivers 25 and older pay an average annual rate of just $858 for their car insurance. This shows that Montana takes age into account when determining car insurance premiums, with younger drivers paying more than their older counterparts due to inexperience behind the wheel.

Best Auto Insurance Companies in Montana

State Farm

Geico

Nationwide

Progressive

Allstate

NAIC Market Share

16.14%

13.45%

2.47%

13.45%

9.33%

S&P Global Ratings

AA

AA+

A

A

A-

Average Full Coverage Yearly Premium

$1,142

$1,409

$1,554

$1,995

$2,028

Discount Rating

5 stars

5 stars

4 stars

4 stars

5 stars


State Farm

Geico

Nationwide

Progressive

Allstate

NAIC Market Share

16.14%

13.45%

2.47%

13.45%

9.33%

S&P Global Ratings

AA

AA+

A

A

A-

Average Full Coverage Yearly Premium

$1,142

$1,409

$1,554

$1,995

$2,028

Discount Rating

5 stars

5 stars

4 stars

4 stars

5 stars


State Farm

Geico

Nationwide

Progressive

Allstate

NAIC Market Share

16.14%

13.45%

2.47%

13.45%

9.33%

S&P Global Ratings

AA

AA+

A

A

A-

Average Full Coverage Yearly Premium

$1,142

$1,409

$1,554

$1,995

$2,028

Discount Rating

5 stars

5 stars

4 stars

4 stars

5 stars


Car Insurance Companies Near Me

Larry Wokral: Allstate Insurance

514 N 1st St Ste B, Hamilton, MT 59840

(406) 363-3320

https://agents.allstate.com/larry-wokral-hamilton-mt.html

Mountain Air Insurance

302 N 1st St, Hamilton, MT 59840

(406) 363-1350

http://www.mountainairpc.com/

Grenfell Insurance and Financial Services, Inc.

708 S 1st St, Hamilton, MT 59840

(406) 363-0430

https://www.grenfellins.com/

Farmers Insurance - Scott Edman

210 N 1st St Ste A, Hamilton, MT 59840

(406) 363-0244

https://agents.farmers.com/mt/hamilton/scott-edman

Farmers Insurance - Rachel Kramer

127 W Main St Ste 10, Hamilton, MT 59840

(406) 375-8000

https://agents.farmers.com/mt/hamilton/rachel-kramer

HUB International

201 N 2nd St, Hamilton, MT 59840

(406) 363-3655

https://www.hubinternational.com/offices/us/montana/hamilton/

Comparing the Best Car Insurance Companies Nearby

Montana is a unique state with many different car insurance needs. Finding the right car insurance can be tricky, but there are some great options that Montana drivers should consider. We’ve put together a list of the top car insurance companies in Hamilton so you can easily compare and find the best coverage for your specific needs. These companies offer comprehensive policies, competitive rates, and top-notch customer service to help you get the best protection possible.

Whether you’re looking for a basic policy or something more advanced, these Montana auto insurers have what you need. Make sure to read up on each company before making your decision to make sure they meet all your requirements. With these Hamilton car insurers at your side, you'll get the coverage you need without breaking the bank. Montana drivers have lots of options when it comes to car insurance, so don’t be afraid to explore your choices and find the best option for you.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$4007$1016
Reckless Driving$3980$968
Wrong Way/Wrong Lane$3219$925
Driving on Sus. License$3136$928
Illegal Turn$2715$890
Failure to Obey Traffic Sign$2584$866
Speeding over 15$2346$848
Defective Equipment$2046$804
Speeding under 15$1870$624

How Driving Infractions Increase Insurance Premiums

Driving infractions can have a big impact on Montana residents when it comes to their car insurance premiums. Minor offenses such as running a stop sign or parking illegally can cost Montana drivers hundreds of dollars in higher premiums over time. Major violations like DUIs, reckless driving and speeding tickets can cause an even bigger financial hit, with some Hamilton drivers seeing increases in their insurance costs by thousands of dollars each year. That’s why Montana drivers need to be aware of the consequences they could face if they are caught breaking the law behind the wheel.

Understanding the potential penalties for certain driving infractions can help Hamilton drivers make smarter decisions while on the road and potentially save them money in the long run. Additionally, Montana motorists should take caution and double check their insurance coverage to ensure they’re getting the best rate possible. Montana drivers can also take advantage of discounts and other incentives that are available to help reduce their premiums. By being mindful of these tips and understanding how driving infractions can affect their insurance premiums, Montana residents can keep more money in their pockets.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1647
Below Fair $2677
Poor $3078
Worst $3505

Does Credit Score Matter When Getting Cheaper Quotes?

When it comes to obtaining insurance quotes at a lower cost in Hamilton, your credit score is a crucial factor. Insurance providers may use your credit score when deciding the premium rates they offer you, as they believe those with better credit histories are more likely to pay their premiums on time and have fewer insurance claims. Consequently, a good credit score can be advantageous if you are searching for cost-effective insurance quotes in Montana. Nonetheless, it's important to remember that other elements such as driving history and vehicle type also affect insurance policy prices. For this reason, it's best to compare your options to find the most competitive rate. Moreover, don't forget to examine deductibles and coverage levels to get the best value for your money. In conclusion, while a good credit score can assist you in getting cheaper insurance quotes in Montana, it's important to consider all factors and shop around for the best policy.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Hamilton Montana

Don't Forget The Total Monthly Cost of Your Vehicle

Montana is a great place to live for those looking for beautiful scenery, outdoor adventure, and low cost of living. However, when it comes to purchasing a car in Montana, there are some important considerations to keep in mind. Hamilton residents need to be aware of the total cost of their vehicle beyond just the purchase price. This includes additional costs such as registration fees, taxes, title fees and insurance costs. All of these can add up quickly and should be factored into the overall cost of ownership before making the final decision on which vehicle to buy. Montana residents also need to consider any rebates or incentives offered by manufacturers that might lower the overall cost of their new car even further. By being mindful of all these factors Montana residents can save money and get the car that fits their needs.

Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.

car insurance companies Hamilton MT

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Montana

When it comes to auto insurance, Hamilton residents have the choice between full coverage and liability only policies. Full coverage includes coverage for property damage and bodily injury, while liability only policies are limited to covering damages you cause in an accident. It is important to understand the differences between these two types of coverage so that you can make an educated decision about which one is right for you.

Full coverage auto insurance in Hamilton provides far more than just liability protection from accidents. It also covers costs associated with medical bills resulting from an accident, as well as any property damage that may occur due to an at-fault driver. This type of policy will also provide rental car reimbursement if your vehicle is damaged or totaled in a crash. Furthermore, Montana full coverage auto insurance typically includes additional benefits such as towing and roadside assistance.

Liability only insurance in Hamilton is much more limited in scope than full coverage policies. It covers other drivers’ medical bills, property damage, and legal expenses if you are found at fault for an accident. However, it does not cover your own medical bills or any damages to your own vehicle; these would have to be paid out-of-pocket. Furthermore, Montana liability only policies do not provide the additional features included with full coverage policies such as rental car reimbursement and roadside assistance.

Ultimately, Hamilton residents must decide between full coverage and liability only auto insurance based on their individual needs and budget. Those with older vehicles may opt for liability only, while those with newer cars may need to invest in full coverage to protect their investment. No matter which type of policy you decide on, make sure it meets Montana’s minimum car insurance requirements and that it provides the protection you need.

State Auto Insurance Minimums in Montana

Montana is one of the more lenient states when it comes to auto insurance coverage minimums. The Montana Motor Vehicle Division requires a minimum $25,000 for bodily injury per person and $50,000 for bodily injury per accident. It also requires a minimum of $10,000 for property damage liability. Hamilton Montana does not require motorists to carry other types of coverage such as uninsured motorist bodily injury or underinsured motorist bodily injury. Montana does have an Uninsured Motor Vehicle Fee that motorists must pay in order to register their vehicles, which helps fund the Montana Automobile Insurance Plan (MAIP). This plan provides medical payments and collision coverage to motorists who are unable to obtain basic auto insurance elsewhere due to risk factors such as poor driving records or past claims.

Montana also offers optional auto insurance coverage, such as comprehensive and collision coverage, which can be purchased to cover damage to your vehicle in the event of an accident or theft. Montana requires all drivers to have a valid driver’s license and proof of existing insurance before driving on public roads. Failing to comply with Montana’s auto insurance requirements may result in fines and other penalties. It is important for Hamilton motorists to ensure that they are carrying the appropriate level of coverage so that they are adequatelyprotected from financial loss in the event of an automobile accident or other covered peril.

Non-Owner Car Insurance in MT

Montana is a state with unique coverage requirements for drivers without cars. Non-owner car insurance in Hamilton is designed to provide coverage for individuals who do not own their own vehicle but may drive other people's vehicles from time to time. This type of policy can be helpful for those who need the occasional rental or loaner car, as well as those without access to adequate public transportation. Non-owner policies are typically much less expensive than traditional auto insurance in Montana, and they can even help protect you if you're involved in an accident while driving someone else's car. Montana law requires all drivers to carry liability insurance on any vehicle they operate; non-owner policies fulfill this requirement and provide additional protection should something unexpected happen while you're behind the wheel. If you're in Montana and don't own your own car, consider getting a non-owner car insurance policy to help protect yourself while on the road. With this coverage, you can feel confident that you'll have protection should anything unexpected occur during a drive.

Car Insurance Discounts in MT

Montana offers several discounts on car insurance that can help drivers save money. Some of the most common discounts include good driver discounts, safe vehicle discounts, multi-car discounts, and loyalty/experience discounts. Montana also offers a variety of other specialties such as defensive driver courses, telematics/usage-based programs, bundling options for home and auto insurance, along with reduced rates for students and military personnel. Drivers who take advantage of Montana's available car insurance discounts may be able to save hundreds of dollars in premiums each year. Additionally, Hamilton consumers should always shop around to compare policies and prices to find the best coverage at the lowest cost.

Getting Auto Insurance Coverage for Teenagers

Montana is a great place to raise a family, and if you’re the parent of a teen driver, you may be wondering how to get auto insurance coverage for them. Montana state law requires that all drivers carry liability insurance, but there are additional coverages that can be added as well. Here’s what you need to know about getting auto insurance in Hamilton for your teenage driver.

First, it’s important to note that Hamilton does not have any special regulations regarding car insurance for teenagers. That means that teens must meet the same requirements for coverage as adult drivers—including carrying liability coverage with minimum limits of $25,000 per person/$50,000 per accident for bodily injury and $10,000 for property damage.

It’s also important to understand that Hamilton has a Graduated Driver Licensing (GDL) program which requires teens to undergo supervised driving with a qualified driver before they can receive their full driver’s license. This means that your teen will likely need an insurance policy of their own, even if they are still learning how to drive.

The good news is that Hamilton auto insurers offer discounts for teenagers who take a driver education course and maintain good grades in school. In addition, some Montana companies may offer additional discounts or rewards programs when you insure multiple vehicles or drivers under one policy.

Car Insurance for Seniors

Hamilton seniors have many choices when it comes to car insurance. Many insurers offer discounts and low rates for Montana residents over the age of 55. Montana's mature driver laws also allow drivers aged 55 and older to take a defensive driving course in order to receive additional savings on their auto insurance premiums. Additionally, some Montana providers may offer further discounts for those who qualify for Medicare or other health care coverage that is provided through Medicare Advantage Plans. It's important for Montana seniors to compare rates and coverage between various providers in order to find the best policy for them. By shopping around, Montana seniors can often save money while still receiving quality coverage that meets their needs.

Do I Need SR-22 Insurance in Montana

Yes, Hamilton requires you to have SR-22 insurance if you are involved in an accident or found guilty of certain traffic violations. Montana is a state that follows the Financial Responsibility Act which dictates when SR-22 must be filed. Montana allows for electronic filing of the SR-22 and also accepts out of state insurers to file on your behalf. You may need an SR-22 if you were convicted of certain violations including; DUI/DWI, reckless driving, failure to maintain auto insurance, and more. Once the form has been filed with Montana's Motor Vehicle Division (MVD), your license will remain valid until it is canceled by the insurer or revoked by MVD. Montana also requires all drivers to carry proof of car insurance at all times. If you are stopped without insurance, Montana will require an SR-22 to be filed on your behalf in order to reinstate your license. Filing an SR-22 is not difficult and Montana offers several options for filing electronically. Contact your insurer today to make sure you are compliant with Montana's Financial Responsibility Act.

Nationwide vs Progressive

When it comes to Hamilton drivers, both Nationwide and Progressive offer great car insurance coverage for different needs. Both companies have been in the auto insurance business for more than 80 years, giving Montana drivers access to reliable coverage options.

Nationwide offers a variety of discounts to Hamilton drivers such as multi-policy discounts, good student discounts, and military and veterans discounts. Additionally, Nationwide has some of the lowest rates available in Montana due to its impressive network of claims offices throughout the state.

Progressive also offers Montana customers plenty of low-cost options with their wide range of discounts including safe driver discount that rewards those who practice safe driving habits and multipolicy discount that provides big savings when you bundle multiple policies together. Progressive also has a mobile app that makes it easy for Hamilton drivers to access policy information and make payments on the go.

Both Nationwide and Progressive offer competitive rates, reliable coverage options, and great customer service in Montana. Ultimately, the best choice depends on a Hamilton driver's individual needs. Both companies have different features that appeal to different people and comparing quotes will help Montana drivers find the best policy for them. With Nationwide and Progressive as options, Montana drivers have plenty of choices when it comes to finding car insurance coverage.

car insurance companies Hamilton MT

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Hamilton, Montana. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Hamilton, MT. Related: How much is SR22 in Montana?

Is Bundling Auto and Homeowners Insurance Really Worth it?

Bundling auto and homeowners insurance in Hamilton promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Hamilton insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.

While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Hamilton at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.


Andrew Brown

Andrew Brown - Chief Editor

Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.