Cheapest Car Insurance Quotes in Bloomfield

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Bloomfield Car Insurance

^$ 18

/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 Bloomfield

The car insurance rate in Bloomfield is $1013 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $611, making it a popular choice for budget-conscious drivers. Rates in Bloomfield 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 Bloomfield

$1013

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Bloomfield

1st place: USAA

At $611 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $645 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $911 for six months, making it the third cheapest auto insurance company in Bloomfield.

Bloomfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bloomfield, MT is USAA, offering policies at just $611 for a six-month term. This is followed by State Farm, which has an average six-month premium of $645.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1400 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bloomfield drivers find the best deals.

Cheap Car Insurance Companies in Bloomfield, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$611	$103
State Farm	$645	$109
Nationwide	$911	$153
Progressive	$1176	$198
Allstate	$1337	$225
Farmers	$1400	$236

Key Takeaways

Way's key takeaways about car insurance in Bloomfield

The auto insurance costs in Bloomfield fall around $611 for six months.
The cheapest auto insurance company in Bloomfield is State Farm.
Teen drivers pay the highest rate in Bloomfield at $587 per month.

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Cheapest Minimum Liability Car Insurance in Bloomfield

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 Bloomfield are given below.

State Farm provides the cheapest minimum car insurance coverage in Bloomfield. Their Average 6 Month Premium is $110. Allstate is the most expensive at $472 for the same period.

Cheapest Liability Coverage in Bloomfield, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$110	$18
USAA	$110	$18
Progressive	$231	$39
Farmers	$247	$42
Kemper	$282	$48
Allstate	$472	$79

Cheapest Full Coverage Car Insurance in Bloomfield

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 Bloomfield is USAA at $103 per month and $611 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bloomfield, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$611	$103
State Farm	$645	$109
Nationwide	$911	$153
Progressive	$1176	$198
Allstate	$1337	$225
Farmers	$1400	$236

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Average Car Insurance in Bloomfield 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 Bloomfield, MT increasing?

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

Car Insurance Premiums by Age in Bloomfield

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 Bloomfield,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bloomfield at $57 per month. At $3486 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	$1101	$185
USAA	$1268	$213
Progressive	$1999	$337
Allstate	$3163	$533
Nationwide	$3382	$575
Farmers	$3486	$587

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 Bloomfield, Nationwide is the cheapest car insurance provider. At $1123 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 Bloomfield is Progressive, offering rates of around $2224 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1123	$189
USAA	$1215	$207
Farmers	$1832	$308
State Farm	$1895	$319
Allstate	$2057	$342
Progressive	$2224	$378

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Car Insurance Rates with An Accident in Bloomfield

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bloomfield

The cheapest car insurance companies after an at-fault accident in Bloomfield include State Farm and Kemper, offering $392 and $421, respectively. Nationwide is an expensive provider with an average six-month premium of $2074.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$392	$66
Kemper	$421	$72
USAA	$478	$81
Progressive	$1147	$193
Allstate	$1487	$250
Farmers	$1642	$276
Nationwide	$2074	$345

Bloomfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bloomfield MT. For example, the car insurance in Bloomfield 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.

Bloomfield auto insurance quotes by violations

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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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 Bloomfield 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 Bloomfield.

The cheapest car insurance premiums in Bloomfield are offered by Kemper at $294 for a six-month policy. However, it can be as expensive as $2783 with companies like Nationwide.

Bloomfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$294	$49
State Farm	$645	$109
USAA	$882	$148
Progressive	$893	$150
Farmers	$1579	$266
Allstate	$1861	$313
Nationwide	$2783	$473

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 Bloomfield are offered by State Farm at $409. However, it can be as expensive as $1867 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Bloomfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$409	$69
USAA	$784	$133
Allstate	$1470	$244
Farmers	$1481	$249
Nationwide	$1729	$288
Progressive	$1867	$317

Car Insurance Price Trends in Bloomfield, Montana

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

The average cost of full coverage in the Bloomfield remained steady at $219 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Bloomfield remained steady at $30 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bloomfield?

The car insurance in Bloomfield is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Bloomfield?

The cheapest car insurance in Bloomfield is $103 per month for full coverage.

How much is car insurance in Bloomfield 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 Bloomfield?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $170 per month to insure your car in Bloomfield.

Is car insurance expensive in Bloomfield?

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

What is the best car insurance in Bloomfield, MT?

The best car insurance company in Bloomfield MT is USAA, offering $611 for a six-month policy.