Cheapest Car Insurance Quotes in Big Timber

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Big Timber Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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.

Table of Contents

How Much Is Car Insurance in Big Timber

The car insurance rate in Big Timber is $1015 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $630, making it a popular choice for budget-conscious drivers. Rates in Big Timber 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.

Avg. Car Insurance in Big Timber

$1015

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Big Timber

1st place: State Farm

At $630 for a six month policy, State Farm offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $637 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $808 for six months, making it the third cheapest auto insurance company in Big Timber.

Big Timber Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Big Timber, MT is State Farm, offering policies at just $630 for a six-month term. This is followed by USAA, which has an average six-month premium of $637.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1456 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Big Timber drivers find the best deals.

Cheap Car Insurance Companies in Big Timber, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$630	$106
USAA	$637	$107
Nationwide	$808	$136
Progressive	$1174	$198
Allstate	$1382	$233
Farmers	$1456	$245

Key Takeaways

Way's key takeaways about car insurance in Big Timber

The auto insurance costs in Big Timber fall around $630 for six months.
The cheapest auto insurance company in Big Timber is USAA.
Teen drivers pay the highest rate in Big Timber at $595 per month.

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Cheapest Minimum Liability Car Insurance in Big Timber

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 Big Timber are given below.

USAA provides the cheapest minimum car insurance coverage in Big Timber. Their Average 6 Month Premium is $110. Allstate is the most expensive at $502 for the same period.

Cheapest Liability Coverage in Big Timber, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$110	$19
State Farm	$116	$20
Progressive	$269	$45
Kemper	$300	$50
Farmers	$349	$59
Allstate	$502	$83

Cheapest Full Coverage Car Insurance in Big Timber

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 Big Timber is State Farm at $106 per month and $630 for six months.

Cheapest Full Coverage Car Insurance Quotes in Big Timber, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$630	$106
USAA	$637	$107
Nationwide	$808	$136
Progressive	$1174	$198
Allstate	$1382	$233
Farmers	$1456	$245

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Average Car Insurance in Big Timber by Rating Factor

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.

I have a clean driving record. Why is my car insurance rate here in Big Timber, MT increasing?

Despite maintaining a clean driving record, your car insurance rates in Big Timber, 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, Big Timber's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Big Timber

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Big Timber,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Big Timber at $61 per month. At $3536 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$367	$61
State Farm	$972	$164
USAA	$1255	$211
Progressive	$1958	$330
Allstate	$3267	$550
Farmers	$3536	$595

Teen Car Insurance Rates in MT by Age

Car Insurance Rates by Credit Score & Driving History

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Big Timber, Nationwide is the cheapest car insurance provider. At $343 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 Big Timber is Allstate, offering rates of around $2037 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$343	$57
USAA	$1157	$197
State Farm	$1284	$216
Farmers	$1762	$297
Progressive	$1989	$332
Allstate	$2037	$346

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Car Insurance Rates with An Accident in Big Timber

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 Big Timber, MT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Big Timber

The cheapest car insurance companies after an at-fault accident in Big Timber include State Farm and Kemper, offering $373 and $447, respectively. Farmers is an expensive provider with an average six-month premium of $1694.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$373	$63
Kemper	$447	$76
USAA	$483	$81
Progressive	$1126	$190
Allstate	$1530	$258
Farmers	$1694	$285

Big Timber Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Big Timber MT. For example, the car insurance in Big Timber after a DUI increases to $636 for a six month policy. While the rate increases by $104 for a six-month policy in the case of a speeding ticket.

Big Timber auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1126	$187
One Med/PIP claim	$1126	$192
Not-at-fault accident	$1151	$192
One comp claim	$1151	$196
Two Med/PIP claims	$1151	$192
Two comp claims	$1174	$200
Child safety restraint	$1230	$205
Driving without lights	$1230	$209
Speeding 6 - 10 MPH over limit	$1230	$205
Failure to show documents	$1236	$210
Failure to wear a seat belt	$1242	$207
Speeding 11 - 15 MPH over limit	$1309	$222
Driving with expired registration	$1315	$219
Cell phone violation	$1328	$226
Failure to stop at a red light	$1328	$221
Failure to yield	$1328	$226
Following too closely	$1328	$221
Illegal turn	$1328	$226
Improper passing	$1328	$221
Texting while driving	$1328	$226
Speeding 16 - 20 MPH over limit	$1334	$222
Driving too slowly	$1340	$228
Wrong way/wrong lane	$1359	$227
Passing school bus	$1388	$236
Speeding in school zone	$1432	$239
In 65 MPH zone	$1438	$244
Speeding 21 - 25 MPH over limit	$1438	$240
Operating a vehicle without permission	$1444	$245
Open container	$1450	$242
At-fault accident - less than $1000	$1463	$248
At-fault accident - $1000-$2000	$1511	$252
At-fault accident - greater than $2000	$1523	$259
Reckless driving	$1640	$273
Driving with a suspended license	$1658	$282
Refusal to submit to a chemical test	$1683	$280
DUI	$1762	$300
Racing	$1829	$305
Leaving scene of an accident/hit and run	$1848	$314

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Way Tip

Avoid Having A DUI On Your Driving Record.

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.

Car Insurance Rates in Big Timber after a DUI

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 Big Timber.

The cheapest car insurance premiums in Big Timber are offered by Kemper at $312 for a six-month policy. However, it can be as expensive as $1902 with companies like Allstate.

Big Timber car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$312	$53
State Farm	$557	$94
Progressive	$874	$147
USAA	$887	$149
Farmers	$1634	$275
Allstate	$1902	$320

Cheapest car insurance after a speeding ticket

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 Big Timber are offered by State Farm at $294. However, it can be as expensive as $1671 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Big Timber after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$294	$49
USAA	$741	$124
Allstate	$1456	$247
Farmers	$1505	$253
Progressive	$1671	$284

Car Insurance Price Trends in Big Timber, Montana

Car insurance rates in Big Timber have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Big Timber remained steady at $204 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Big Timber remained steady at $37 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Big Timber?

The car insurance in Big Timber is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Big Timber?

The cheapest car insurance in Big Timber is $106 per month for full coverage.

How much is car insurance in Big Timber for teenagers?

Car insurance for teenagers costs $367 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 Big Timber?

The average cost of car insurance is $985 for a six-month policy. It will cost around $170 per month to insure your car in Big Timber.

Is car insurance expensive in Big Timber?

Car insurance can be expensive in Big Timber if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Big Timber can be affordable.

What is the best car insurance in Big Timber, MT?

The best car insurance company in Big Timber MT is State Farm, offering $630 for a six-month policy.