Cheapest Car Insurance Quotes in Dillon

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Dillon 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 Dillon

The car insurance rate in Dillon is $906 for a six-month policy, which is $79 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $563, making it a popular choice for budget-conscious drivers. Rates in Dillon 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 Dillon

$906

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Dillon

1st place: State Farm

At $563 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 $569 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $721 for six months, making it the third cheapest auto insurance company in Dillon.

Dillon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dillon, MT is State Farm, offering policies at just $563 for a six-month term. This is followed by USAA, which has an average six-month premium of $569.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1301 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dillon drivers find the best deals.

Cheap Car Insurance Companies in Dillon, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$563	$95
USAA	$569	$96
Nationwide	$721	$121
Progressive	$1049	$177
Allstate	$1235	$208
Farmers	$1301	$219

Key Takeaways

Way's key takeaways about car insurance in Dillon

The auto insurance costs in Dillon fall around $563 for six months.
The cheapest auto insurance company in Dillon is USAA.
Teen drivers pay the highest rate in Dillon at $532 per month.

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Cheapest Minimum Liability Car Insurance in Dillon

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 Dillon are given below.

USAA provides the cheapest minimum car insurance coverage in Dillon. Their Average 6 Month Premium is $98. Allstate is the most expensive at $448 for the same period.

Cheapest Liability Coverage in Dillon, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$98	$17
State Farm	$104	$17
Progressive	$240	$40
Kemper	$268	$45
Farmers	$312	$52
Allstate	$448	$75

Cheapest Full Coverage Car Insurance in Dillon

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 Dillon is State Farm at $95 per month and $563 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dillon, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$563	$95
USAA	$569	$96
Nationwide	$721	$121
Progressive	$1049	$177
Allstate	$1235	$208
Farmers	$1301	$219

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Average Car Insurance in Dillon 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 Dillon, MT increasing?

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

Car Insurance Premiums by Age in Dillon

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 Dillon,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Dillon at $54 per month. At $3158 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	$868	$146
USAA	$1121	$189
Progressive	$1749	$294
Allstate	$2918	$491
Farmers	$3158	$532

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 Dillon, Nationwide is the cheapest car insurance provider. At $306 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 Dillon is Allstate, offering rates of around $1820 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$306	$51
USAA	$1033	$176
State Farm	$1147	$193
Farmers	$1574	$265
Progressive	$1777	$296
Allstate	$1820	$309

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Car Insurance Rates with An Accident in Dillon

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

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

The cheapest car insurance companies after an at-fault accident in Dillon include State Farm and Kemper, offering $333 and $399, respectively. Farmers is an expensive provider with an average six-month premium of $1513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$333	$56
Kemper	$399	$68
USAA	$431	$73
Progressive	$1006	$169
Allstate	$1366	$230
Farmers	$1513	$255

Dillon Car Insurance Rates by Violation

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

Dillon 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 Dillon 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 Dillon.

The cheapest car insurance premiums in Dillon are offered by Kemper at $279 for a six-month policy. However, it can be as expensive as $1699 with companies like Allstate.

Dillon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$279	$47
State Farm	$498	$84
Progressive	$781	$132
USAA	$792	$133
Farmers	$1459	$246
Allstate	$1699	$286

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 Dillon are offered by State Farm at $262. However, it can be as expensive as $1492 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Dillon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$262	$44
USAA	$661	$110
Allstate	$1301	$221
Farmers	$1344	$226
Progressive	$1492	$254

Car Insurance Price Trends in Dillon, Montana

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

The average cost of full coverage in the Dillon remained steady at $182 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Dillon remained steady at $33 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 Dillon?

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

What is the cheapest car insurance in Dillon?

The cheapest car insurance in Dillon is $95 per month for full coverage.

How much is car insurance in Dillon 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 Dillon?

The average cost of car insurance is $985 for a six-month policy. It will cost around $152 per month to insure your car in Dillon.

Is car insurance expensive in Dillon?

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

What is the best car insurance in Dillon, MT?

The best car insurance company in Dillon MT is State Farm, offering $563 for a six-month policy.