Cheapest Car Insurance Quotes in Canyon Creek

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Canyon Creek Car Insurance

^$ 17

/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 Canyon Creek

The car insurance rate in Canyon Creek is $960 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $580, making it a popular choice for budget-conscious drivers. Rates in Canyon Creek 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 Canyon Creek

$960

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Canyon Creek

1st place: USAA

At $580 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 $612 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $864 for six months, making it the third cheapest auto insurance company in Canyon Creek.

Canyon Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Canyon Creek, MT is USAA, offering policies at just $580 for a six-month term. This is followed by State Farm, which has an average six-month premium of $612.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1328 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Canyon Creek drivers find the best deals.

Cheap Car Insurance Companies in Canyon Creek, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$580	$98
State Farm	$612	$103
Nationwide	$864	$145
Progressive	$1115	$188
Allstate	$1268	$213
Farmers	$1328	$224

Key Takeaways

Way's key takeaways about car insurance in Canyon Creek

The auto insurance costs in Canyon Creek fall around $580 for six months.
The cheapest auto insurance company in Canyon Creek is State Farm.
Teen drivers pay the highest rate in Canyon Creek at $557 per month.

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Cheapest Minimum Liability Car Insurance in Canyon Creek

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 Canyon Creek are given below.

State Farm provides the cheapest minimum car insurance coverage in Canyon Creek. Their Average 6 Month Premium is $104. Allstate is the most expensive at $448 for the same period.

Cheapest Liability Coverage in Canyon Creek, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$104	$17
USAA	$104	$17
Progressive	$219	$37
Farmers	$235	$40
Kemper	$268	$45
Allstate	$448	$75

Cheapest Full Coverage Car Insurance in Canyon Creek

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 Canyon Creek is USAA at $98 per month and $580 for six months.

Cheapest Full Coverage Car Insurance Quotes in Canyon Creek, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$580	$98
State Farm	$612	$103
Nationwide	$864	$145
Progressive	$1115	$188
Allstate	$1268	$213
Farmers	$1328	$224

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Average Car Insurance in Canyon Creek 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 Canyon Creek, MT increasing?

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

Car Insurance Premiums by Age in Canyon Creek

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 Canyon Creek,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Canyon Creek at $54 per month. At $3306 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$328	$54
State Farm	$1044	$176
USAA	$1202	$202
Progressive	$1896	$319
Allstate	$3000	$505
Nationwide	$3208	$546
Farmers	$3306	$557

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 Canyon Creek, Nationwide is the cheapest car insurance provider. At $1065 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 Canyon Creek is Progressive, offering rates of around $2110 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1065	$179
USAA	$1153	$196
Farmers	$1738	$293
State Farm	$1798	$303
Allstate	$1951	$325
Progressive	$2110	$359

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Car Insurance Rates with An Accident in Canyon Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Canyon Creek

The cheapest car insurance companies after an at-fault accident in Canyon Creek include State Farm and Kemper, offering $372 and $399, respectively. Nationwide is an expensive provider with an average six-month premium of $1967.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$372	$63
Kemper	$399	$68
USAA	$454	$76
Progressive	$1087	$183
Allstate	$1410	$237
Farmers	$1558	$262
Nationwide	$1967	$328

Canyon Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Canyon Creek MT. For example, the car insurance in Canyon Creek after a DUI increases to $568 for a six month policy. While the rate increases by $92 for a six-month policy in the case of a speeding ticket.

Canyon Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1006	$167
One Med/PIP claim	$1006	$171
Not-at-fault accident	$1028	$171
One comp claim	$1028	$175
Two Med/PIP claims	$1028	$171
Two comp claims	$1049	$178
Child safety restraint	$1098	$183
Driving without lights	$1098	$187
Speeding 6 - 10 MPH over limit	$1098	$183
Failure to show documents	$1104	$188
Failure to wear a seat belt	$1110	$185
Speeding 11 - 15 MPH over limit	$1169	$199
Driving with expired registration	$1175	$196
Cell phone violation	$1186	$201
Failure to stop at a red light	$1186	$198
Failure to yield	$1186	$201
Following too closely	$1186	$198
Illegal turn	$1186	$201
Improper passing	$1186	$198
Texting while driving	$1186	$201
Speeding 16 - 20 MPH over limit	$1191	$199
Driving too slowly	$1197	$203
Wrong way/wrong lane	$1213	$202
Passing school bus	$1240	$211
Speeding in school zone	$1279	$213
In 65 MPH zone	$1284	$218
Speeding 21 - 25 MPH over limit	$1284	$214
Operating a vehicle without permission	$1290	$219
Open container	$1295	$216
At-fault accident - less than $1000	$1306	$222
At-fault accident - $1000-$2000	$1350	$225
At-fault accident - greater than $2000	$1361	$231
Reckless driving	$1465	$244
Driving with a suspended license	$1481	$252
Refusal to submit to a chemical test	$1503	$250
DUI	$1574	$268
Racing	$1634	$272
Leaving scene of an accident/hit and run	$1650	$281

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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 Canyon Creek 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 Canyon Creek.

The cheapest car insurance premiums in Canyon Creek are offered by Kemper at $279 for a six-month policy. However, it can be as expensive as $2639 with companies like Nationwide.

Canyon Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$279	$47
State Farm	$612	$103
USAA	$836	$141
Progressive	$847	$143
Farmers	$1498	$252
Allstate	$1765	$297
Nationwide	$2639	$449

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 Canyon Creek are offered by State Farm at $388. However, it can be as expensive as $1771 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Canyon Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$388	$65
USAA	$743	$126
Allstate	$1394	$232
Farmers	$1405	$236
Nationwide	$1639	$273
Progressive	$1771	$301

Car Insurance Price Trends in Canyon Creek, Montana

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

The average cost of full coverage in the Canyon Creek remained steady at $208 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Canyon Creek remained steady at $29 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 Canyon Creek?

The car insurance in Canyon Creek is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Canyon Creek?

The cheapest car insurance in Canyon Creek is $98 per month for full coverage.

How much is car insurance in Canyon Creek for teenagers?

Car insurance for teenagers costs $328 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 Canyon Creek?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $161 per month to insure your car in Canyon Creek.

Is car insurance expensive in Canyon Creek?

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

What is the best car insurance in Canyon Creek, MT?

The best car insurance company in Canyon Creek MT is USAA, offering $580 for a six-month policy.