Cheapest Car Insurance Quotes in Havre North

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Havre North 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 Havre North

The car insurance rate in Havre North is $985 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $612, making it a popular choice for budget-conscious drivers. Rates in Havre North 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 Havre North

$985

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Havre North

1st place: State Farm

At $612 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 $618 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $784 for six months, making it the third cheapest auto insurance company in Havre North.

Havre North Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Havre North, MT is State Farm, offering policies at just $612 for a six-month term. This is followed by USAA, which has an average six-month premium of $618.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Havre North drivers find the best deals.

Cheap Car Insurance Companies in Havre North, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$612	$103
USAA	$618	$104
Nationwide	$784	$132
Progressive	$1140	$192
Allstate	$1342	$226
Farmers	$1414	$238

Key Takeaways

Way's key takeaways about car insurance in Havre North

The auto insurance costs in Havre North fall around $612 for six months.
The cheapest auto insurance company in Havre North is USAA.
Teen drivers pay the highest rate in Havre North at $578 per month.

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Cheapest Minimum Liability Car Insurance in Havre North

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 Havre North are given below.

USAA provides the cheapest minimum car insurance coverage in Havre North. Their Average 6 Month Premium is $107. Allstate is the most expensive at $487 for the same period.

Cheapest Liability Coverage in Havre North, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$107	$18
State Farm	$113	$19
Progressive	$261	$44
Kemper	$291	$49
Farmers	$339	$57
Allstate	$487	$81

Cheapest Full Coverage Car Insurance in Havre North

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 Havre North is State Farm at $103 per month and $612 for six months.

Cheapest Full Coverage Car Insurance Quotes in Havre North, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$612	$103
USAA	$618	$104
Nationwide	$784	$132
Progressive	$1140	$192
Allstate	$1342	$226
Farmers	$1414	$238

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Average Car Insurance in Havre North 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 Havre North, MT increasing?

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

Car Insurance Premiums by Age in Havre North

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 Havre North,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Havre North at $59 per month. At $3433 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$356	$59
State Farm	$944	$159
USAA	$1218	$205
Progressive	$1901	$320
Allstate	$3172	$534
Farmers	$3433	$578

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 Havre North, Nationwide is the cheapest car insurance provider. At $333 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 Havre North is Allstate, offering rates of around $1978 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$333	$55
USAA	$1123	$191
State Farm	$1247	$210
Farmers	$1711	$288
Progressive	$1931	$322
Allstate	$1978	$336

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Car Insurance Rates with An Accident in Havre North

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

Cheapest Car Insurance Companies after an At-Fault Accident in Havre North

The cheapest car insurance companies after an at-fault accident in Havre North include State Farm and Kemper, offering $362 and $434, respectively. Farmers is an expensive provider with an average six-month premium of $1645.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$362	$61
Kemper	$434	$74
USAA	$469	$79
Progressive	$1093	$184
Allstate	$1485	$250
Farmers	$1645	$277

Havre North Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Havre North MT. For example, the car insurance in Havre North after a DUI increases to $618 for a six month policy. While the rate increases by $101 for a six-month policy in the case of a speeding ticket.

Havre North auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1093	$182
One Med/PIP claim	$1093	$186
Not-at-fault accident	$1117	$186
One comp claim	$1117	$190
Two Med/PIP claims	$1117	$186
Two comp claims	$1140	$194
Child safety restraint	$1194	$199
Driving without lights	$1194	$203
Speeding 6 - 10 MPH over limit	$1194	$199
Failure to show documents	$1200	$204
Failure to wear a seat belt	$1206	$201
Speeding 11 - 15 MPH over limit	$1271	$216
Driving with expired registration	$1277	$213
Cell phone violation	$1289	$219
Failure to stop at a red light	$1289	$215
Failure to yield	$1289	$219
Following too closely	$1289	$215
Illegal turn	$1289	$219
Improper passing	$1289	$215
Texting while driving	$1289	$219
Speeding 16 - 20 MPH over limit	$1295	$216
Driving too slowly	$1301	$221
Wrong way/wrong lane	$1319	$220
Passing school bus	$1348	$229
Speeding in school zone	$1390	$232
In 65 MPH zone	$1396	$237
Speeding 21 - 25 MPH over limit	$1396	$233
Operating a vehicle without permission	$1402	$238
Open container	$1408	$235
At-fault accident - less than $1000	$1420	$241
At-fault accident - $1000-$2000	$1467	$245
At-fault accident - greater than $2000	$1479	$251
Reckless driving	$1592	$265
Driving with a suspended license	$1610	$274
Refusal to submit to a chemical test	$1634	$272
DUI	$1711	$291
Racing	$1776	$296
Leaving scene of an accident/hit and run	$1794	$305

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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 Havre North 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 Havre North.

The cheapest car insurance premiums in Havre North are offered by Kemper at $303 for a six-month policy. However, it can be as expensive as $1847 with companies like Allstate.

Havre North car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$303	$51
State Farm	$541	$91
Progressive	$849	$143
USAA	$861	$145
Farmers	$1586	$267
Allstate	$1847	$311

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 Havre North are offered by State Farm at $285. However, it can be as expensive as $1622 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Havre North after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$285	$48
USAA	$719	$120
Allstate	$1414	$240
Farmers	$1461	$246
Progressive	$1622	$276

Car Insurance Price Trends in Havre North, Montana

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

The average cost of full coverage in the Havre North remained steady at $198 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Havre North remained steady at $36 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 Havre North?

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

What is the cheapest car insurance in Havre North?

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

How much is car insurance in Havre North for teenagers?

Car insurance for teenagers costs $356 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 Havre North?

The average cost of car insurance is $985 for a six-month policy. It will cost around $165 per month to insure your car in Havre North.

Is car insurance expensive in Havre North?

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

What is the best car insurance in Havre North, MT?

The best car insurance company in Havre North MT is State Farm, offering $612 for a six-month policy.