Cheapest Car Insurance Quotes in Deer Lodge

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Deer Lodge 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 Deer Lodge

The car insurance rate in Deer Lodge is $926 for a six-month policy, which is $59 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $575, making it a popular choice for budget-conscious drivers. Rates in Deer Lodge 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 Deer Lodge

$926

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Deer Lodge

1st place: State Farm

At $575 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 $581 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $737 for six months, making it the third cheapest auto insurance company in Deer Lodge.

Deer Lodge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Deer Lodge, MT is State Farm, offering policies at just $575 for a six-month term. This is followed by USAA, which has an average six-month premium of $581.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1329 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Deer Lodge drivers find the best deals.

Cheap Car Insurance Companies in Deer Lodge, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$575	$97
USAA	$581	$98
Nationwide	$737	$124
Progressive	$1072	$180
Allstate	$1261	$212
Farmers	$1329	$224

Key Takeaways

Way's key takeaways about car insurance in Deer Lodge

The auto insurance costs in Deer Lodge fall around $575 for six months.
The cheapest auto insurance company in Deer Lodge is USAA.
Teen drivers pay the highest rate in Deer Lodge at $543 per month.

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Cheapest Minimum Liability Car Insurance in Deer Lodge

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 Deer Lodge are given below.

USAA provides the cheapest minimum car insurance coverage in Deer Lodge. Their Average 6 Month Premium is $101. Allstate is the most expensive at $458 for the same period.

Cheapest Liability Coverage in Deer Lodge, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$101	$17
State Farm	$106	$18
Progressive	$245	$41
Kemper	$274	$46
Farmers	$319	$54
Allstate	$458	$76

Cheapest Full Coverage Car Insurance in Deer Lodge

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 Deer Lodge is State Farm at $97 per month and $575 for six months.

Cheapest Full Coverage Car Insurance Quotes in Deer Lodge, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$575	$97
USAA	$581	$98
Nationwide	$737	$124
Progressive	$1072	$180
Allstate	$1261	$212
Farmers	$1329	$224

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Average Car Insurance in Deer Lodge 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 Deer Lodge, MT increasing?

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

Car Insurance Premiums by Age in Deer Lodge

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 Deer Lodge,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Deer Lodge at $55 per month. At $3227 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$335	$55
State Farm	$887	$149
USAA	$1145	$193
Progressive	$1787	$301
Allstate	$2982	$502
Farmers	$3227	$543

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 Deer Lodge, Nationwide is the cheapest car insurance provider. At $313 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 Deer Lodge is Allstate, offering rates of around $1859 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$313	$52
USAA	$1056	$180
State Farm	$1172	$197
Farmers	$1608	$271
Progressive	$1815	$303
Allstate	$1859	$316

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Car Insurance Rates with An Accident in Deer Lodge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Deer Lodge

The cheapest car insurance companies after an at-fault accident in Deer Lodge include State Farm and Kemper, offering $340 and $408, respectively. Farmers is an expensive provider with an average six-month premium of $1546.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$340	$57
Kemper	$408	$70
USAA	$441	$74
Progressive	$1027	$173
Allstate	$1396	$235
Farmers	$1546	$260

Deer Lodge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Deer Lodge MT. For example, the car insurance in Deer Lodge after a DUI increases to $581 for a six month policy. While the rate increases by $95 for a six-month policy in the case of a speeding ticket.

Deer Lodge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1027	$171
One Med/PIP claim	$1027	$175
Not-at-fault accident	$1050	$175
One comp claim	$1050	$179
Two Med/PIP claims	$1050	$175
Two comp claims	$1072	$182
Child safety restraint	$1122	$187
Driving without lights	$1122	$191
Speeding 6 - 10 MPH over limit	$1122	$187
Failure to show documents	$1128	$192
Failure to wear a seat belt	$1134	$189
Speeding 11 - 15 MPH over limit	$1195	$203
Driving with expired registration	$1200	$200
Cell phone violation	$1212	$206
Failure to stop at a red light	$1212	$202
Failure to yield	$1212	$206
Following too closely	$1212	$202
Illegal turn	$1212	$206
Improper passing	$1212	$202
Texting while driving	$1212	$206
Speeding 16 - 20 MPH over limit	$1217	$203
Driving too slowly	$1223	$208
Wrong way/wrong lane	$1240	$207
Passing school bus	$1267	$215
Speeding in school zone	$1307	$218
In 65 MPH zone	$1312	$223
Speeding 21 - 25 MPH over limit	$1312	$219
Operating a vehicle without permission	$1318	$224
Open container	$1324	$221
At-fault accident - less than $1000	$1335	$227
At-fault accident - $1000-$2000	$1379	$230
At-fault accident - greater than $2000	$1390	$236
Reckless driving	$1496	$249
Driving with a suspended license	$1513	$258
Refusal to submit to a chemical test	$1536	$256
DUI	$1608	$274
Racing	$1669	$278
Leaving scene of an accident/hit and run	$1686	$287

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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 Deer Lodge 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 Deer Lodge.

The cheapest car insurance premiums in Deer Lodge are offered by Kemper at $285 for a six-month policy. However, it can be as expensive as $1736 with companies like Allstate.

Deer Lodge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$285	$48
State Farm	$509	$86
Progressive	$798	$134
USAA	$809	$136
Farmers	$1491	$251
Allstate	$1736	$292

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 Deer Lodge are offered by State Farm at $268. However, it can be as expensive as $1525 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Deer Lodge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$268	$45
USAA	$676	$113
Allstate	$1329	$226
Farmers	$1373	$231
Progressive	$1525	$259

Car Insurance Price Trends in Deer Lodge, Montana

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

The average cost of full coverage in the Deer Lodge remained steady at $186 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Deer Lodge remained steady at $34 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 Deer Lodge?

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

What is the cheapest car insurance in Deer Lodge?

The cheapest car insurance in Deer Lodge is $97 per month for full coverage.

How much is car insurance in Deer Lodge for teenagers?

Car insurance for teenagers costs $335 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 Deer Lodge?

The average cost of car insurance is $985 for a six-month policy. It will cost around $155 per month to insure your car in Deer Lodge.

Is car insurance expensive in Deer Lodge?

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

What is the best car insurance in Deer Lodge, MT?

The best car insurance company in Deer Lodge MT is State Farm, offering $575 for a six-month policy.