Cheapest Car Insurance Quotes in Coffee Creek

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Coffee Creek 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 Coffee Creek

The car insurance rate in Coffee Creek is $1054 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Coffee 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 Coffee Creek

$1054

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Coffee Creek

1st place: USAA

At $636 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 $672 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $948 for six months, making it the third cheapest auto insurance company in Coffee Creek.

Coffee Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Coffee Creek, MT is USAA, offering policies at just $636 for a six-month term. This is followed by State Farm, which has an average six-month premium of $672.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1457 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coffee Creek drivers find the best deals.

Cheap Car Insurance Companies in Coffee Creek, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$636	$107
State Farm	$672	$113
Nationwide	$948	$160
Progressive	$1224	$206
Allstate	$1392	$234
Farmers	$1457	$245

Key Takeaways

Way's key takeaways about car insurance in Coffee Creek

The auto insurance costs in Coffee Creek fall around $636 for six months.
The cheapest auto insurance company in Coffee Creek is State Farm.
Teen drivers pay the highest rate in Coffee Creek at $611 per month.

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Cheapest Minimum Liability Car Insurance in Coffee 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 Coffee Creek are given below.

State Farm provides the cheapest minimum car insurance coverage in Coffee Creek. Their Average 6 Month Premium is $114. Allstate is the most expensive at $492 for the same period.

Cheapest Liability Coverage in Coffee Creek, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$114	$19
USAA	$114	$19
Progressive	$240	$40
Farmers	$258	$43
Kemper	$294	$49
Allstate	$492	$82

Cheapest Full Coverage Car Insurance in Coffee 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 Coffee Creek is USAA at $107 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in Coffee Creek, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$636	$107
State Farm	$672	$113
Nationwide	$948	$160
Progressive	$1224	$206
Allstate	$1392	$234
Farmers	$1457	$245

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Average Car Insurance in Coffee 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 Coffee Creek, MT increasing?

Despite maintaining a clean driving record, your car insurance rates in Coffee 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, Coffee 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 Coffee 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 Coffee Creek,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Coffee Creek at $60 per month. At $3630 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$360	$60
State Farm	$1146	$193
USAA	$1320	$222
Progressive	$2082	$350
Allstate	$3294	$554
Nationwide	$3522	$599
Farmers	$3630	$611

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 Coffee Creek, Nationwide is the cheapest car insurance provider. At $1170 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 Coffee Creek is Progressive, offering rates of around $2316 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1170	$197
USAA	$1266	$215
Farmers	$1908	$321
State Farm	$1974	$332
Allstate	$2142	$357
Progressive	$2316	$394

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Car Insurance Rates with An Accident in Coffee 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 Coffee Creek, MT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Coffee Creek include State Farm and Kemper, offering $408 and $438, respectively. Nationwide is an expensive provider with an average six-month premium of $2159.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$408	$69
Kemper	$438	$75
USAA	$498	$84
Progressive	$1194	$201
Allstate	$1548	$261
Farmers	$1710	$288
Nationwide	$2159	$360

Coffee Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Coffee Creek MT. For example, the car insurance in Coffee Creek after a DUI increases to $624 for a six month policy. While the rate increases by $102 for a six-month policy in the case of a speeding ticket.

Coffee Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1104	$184
One Med/PIP claim	$1104	$188
Not-at-fault accident	$1128	$188
One comp claim	$1128	$192
Two Med/PIP claims	$1128	$188
Two comp claims	$1151	$196
Child safety restraint	$1206	$201
Driving without lights	$1206	$205
Speeding 6 - 10 MPH over limit	$1206	$201
Failure to show documents	$1212	$206
Failure to wear a seat belt	$1218	$203
Speeding 11 - 15 MPH over limit	$1284	$218
Driving with expired registration	$1290	$215
Cell phone violation	$1302	$221
Failure to stop at a red light	$1302	$217
Failure to yield	$1302	$221
Following too closely	$1302	$217
Illegal turn	$1302	$221
Improper passing	$1302	$217
Texting while driving	$1302	$221
Speeding 16 - 20 MPH over limit	$1308	$218
Driving too slowly	$1314	$223
Wrong way/wrong lane	$1332	$222
Passing school bus	$1361	$231
Speeding in school zone	$1404	$234
In 65 MPH zone	$1410	$239
Speeding 21 - 25 MPH over limit	$1410	$235
Operating a vehicle without permission	$1416	$240
Open container	$1422	$237
At-fault accident - less than $1000	$1434	$243
At-fault accident - $1000-$2000	$1482	$247
At-fault accident - greater than $2000	$1494	$254
Reckless driving	$1608	$268
Driving with a suspended license	$1626	$277
Refusal to submit to a chemical test	$1650	$275
DUI	$1728	$294
Racing	$1794	$299
Leaving scene of an accident/hit and run	$1812	$308

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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 Coffee 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 Coffee Creek.

The cheapest car insurance premiums in Coffee Creek are offered by Kemper at $306 for a six-month policy. However, it can be as expensive as $2898 with companies like Nationwide.

Coffee Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$306	$52
State Farm	$672	$113
USAA	$918	$155
Progressive	$930	$157
Farmers	$1644	$277
Allstate	$1938	$326
Nationwide	$2898	$493

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 Coffee Creek are offered by State Farm at $426. However, it can be as expensive as $1944 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Coffee Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$426	$72
USAA	$816	$138
Allstate	$1530	$255
Farmers	$1542	$260
Nationwide	$1800	$300
Progressive	$1944	$330

Car Insurance Price Trends in Coffee Creek, Montana

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

The average cost of full coverage in the Coffee Creek remained steady at $228 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Coffee Creek remained steady at $31 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 Coffee Creek?

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

What is the cheapest car insurance in Coffee Creek?

The cheapest car insurance in Coffee Creek is $107 per month for full coverage.

How much is car insurance in Coffee Creek for teenagers?

Car insurance for teenagers costs $360 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 Coffee Creek?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $177 per month to insure your car in Coffee Creek.

Is car insurance expensive in Coffee Creek?

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

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

The best car insurance company in Coffee Creek MT is USAA, offering $636 for a six-month policy.