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Basin Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Basin is $955 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, making it a popular choice for budget-conscious drivers. Rates in Basin can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $594 for a six month policy, State Farm offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $599 for a six-month policy, making it one of the cheapest to insure with.
Nationwide offers auto insurance rates at $760 for six months, making it the third cheapest auto insurance company in Basin.
Based on our research, the cheapest car insurance company in Basin, MT is State Farm, offering policies at just $594 for a six-month term. This is followed by USAA, which has an average six-month premium of $599.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1372 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Basin drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $594 | $100 |
| USAA | $599 | $101 |
| Nationwide | $760 | $128 |
| Progressive | $1106 | $186 |
| Allstate | $1302 | $219 |
| Farmers | $1372 | $231 |
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Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Basin are given below.
USAA provides the cheapest minimum car insurance coverage in Basin. Their Average 6 Month Premium is $104. Allstate is the most expensive at $472 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $104 | $17 |
| State Farm | $110 | $18 |
| Progressive | $253 | $43 |
| Kemper | $282 | $48 |
| Farmers | $329 | $55 |
| Allstate | $472 | $79 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Basin is State Farm at $100 per month and $594 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $594 | $100 |
| USAA | $599 | $101 |
| Nationwide | $760 | $128 |
| Progressive | $1106 | $186 |
| Allstate | $1302 | $219 |
| Farmers | $1372 | $231 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Basin, Montana, may be increasing due to several external factors. Montana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Basin's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Basin at $57 per month. At $3330 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $345 | $57 |
| State Farm | $916 | $154 |
| USAA | $1181 | $199 |
| Progressive | $1844 | $310 |
| Allstate | $3077 | $518 |
| Farmers | $3330 | $561 |
Teen Car Insurance Rates in MT by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Basin, Nationwide is the cheapest car insurance provider. At $323 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Basin is Allstate, offering rates of around $1919 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $323 | $53 |
| USAA | $1089 | $185 |
| State Farm | $1210 | $204 |
| Farmers | $1660 | $279 |
| Progressive | $1873 | $312 |
| Allstate | $1919 | $326 |
Save up to $971/yr on car insurance rates in Basin.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Basin, MT, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Basin include State Farm and Kemper, offering $351 and $421, respectively. Farmers is an expensive provider with an average six-month premium of $1596.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $351 | $59 |
| Kemper | $421 | $72 |
| USAA | $455 | $77 |
| Progressive | $1060 | $178 |
| Allstate | $1440 | $243 |
| Farmers | $1596 | $269 |
Here is a list of driving violations that can increase your car insurance rates in Basin MT. For example, the car insurance in Basin after a DUI increases to $600 for a six month policy. While the rate increases by $98 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1060 | $177 |
| One Med/PIP claim | $1060 | $180 |
| Not-at-fault accident | $1083 | $180 |
| One comp claim | $1083 | $184 |
| Two Med/PIP claims | $1083 | $180 |
| Two comp claims | $1106 | $188 |
| Child safety restraint | $1158 | $193 |
| Driving without lights | $1158 | $197 |
| Speeding 6 - 10 MPH over limit | $1158 | $193 |
| Failure to show documents | $1164 | $198 |
| Failure to wear a seat belt | $1170 | $195 |
| Speeding 11 - 15 MPH over limit | $1233 | $210 |
| Driving with expired registration | $1239 | $207 |
| Cell phone violation | $1250 | $212 |
| Failure to stop at a red light | $1250 | $209 |
| Failure to yield | $1250 | $212 |
| Following too closely | $1250 | $209 |
| Illegal turn | $1250 | $212 |
| Improper passing | $1250 | $209 |
| Texting while driving | $1250 | $212 |
| Speeding 16 - 20 MPH over limit | $1256 | $210 |
| Driving too slowly | $1262 | $214 |
| Wrong way/wrong lane | $1279 | $213 |
| Passing school bus | $1308 | $222 |
| Speeding in school zone | $1348 | $225 |
| In 65 MPH zone | $1354 | $230 |
| Speeding 21 - 25 MPH over limit | $1354 | $226 |
| Operating a vehicle without permission | $1360 | $231 |
| Open container | $1366 | $228 |
| At-fault accident - less than $1000 | $1377 | $234 |
| At-fault accident - $1000-$2000 | $1423 | $238 |
| At-fault accident - greater than $2000 | $1435 | $243 |
| Reckless driving | $1544 | $257 |
| Driving with a suspended license | $1562 | $266 |
| Refusal to submit to a chemical test | $1585 | $264 |
| DUI | $1660 | $282 |
| Racing | $1723 | $287 |
| Leaving scene of an accident/hit and run | $1740 | $296 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Basin.
The cheapest car insurance premiums in Basin are offered by Kemper at $294 for a six-month policy. However, it can be as expensive as $1792 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $294 | $49 |
| State Farm | $525 | $88 |
| Progressive | $824 | $139 |
| USAA | $835 | $141 |
| Farmers | $1538 | $259 |
| Allstate | $1792 | $302 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Basin are offered by State Farm at $276. However, it can be as expensive as $1573 with companies like Progressive for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $276 | $47 |
| USAA | $697 | $116 |
| Allstate | $1372 | $233 |
| Farmers | $1417 | $239 |
| Progressive | $1573 | $268 |
Car insurance rates in Basin have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Basin remained steady at $192 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Basin remained steady at $35 in both December and November, indicating no change over the two month period.
How much is car insurance in Basin?
The car insurance in Basin is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Basin?
The cheapest car insurance in Basin is $100 per month for full coverage.
How much is car insurance in Basin for teenagers?
Car insurance for teenagers costs $345 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Basin?
The average cost of car insurance is $985 for a six-month policy. It will cost around $160 per month to insure your car in Basin.
Is car insurance expensive in Basin?
Car insurance can be expensive in Basin if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Basin can be affordable.
What is the best car insurance in Basin, MT?
The best car insurance company in Basin MT is State Farm, offering $594 for a six-month policy.
Cut auto insurance costs in Basin right now.