Cheapest Car Insurance Quotes in Heart Butte

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Heart Butte 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 Heart Butte

The car insurance rate in Heart Butte is $1054 for a six-month policy, which is $69 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $655, making it a popular choice for budget-conscious drivers. Rates in Heart Butte 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 Heart Butte

$1054

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Heart Butte

1st place: State Farm

At $655 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 $661 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $839 for six months, making it the third cheapest auto insurance company in Heart Butte.

Heart Butte Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Heart Butte, MT is State Farm, offering policies at just $655 for a six-month term. This is followed by USAA, which has an average six-month premium of $661.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1513 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heart Butte drivers find the best deals.

Cheap Car Insurance Companies in Heart Butte, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$655	$110
USAA	$661	$111
Nationwide	$839	$141
Progressive	$1220	$205
Allstate	$1436	$242
Farmers	$1513	$255

Key Takeaways

Way's key takeaways about car insurance in Heart Butte

The auto insurance costs in Heart Butte fall around $655 for six months.
The cheapest auto insurance company in Heart Butte is USAA.
Teen drivers pay the highest rate in Heart Butte at $618 per month.

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Cheapest Minimum Liability Car Insurance in Heart Butte

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 Heart Butte are given below.

USAA provides the cheapest minimum car insurance coverage in Heart Butte. Their Average 6 Month Premium is $114. Allstate is the most expensive at $521 for the same period.

Cheapest Liability Coverage in Heart Butte, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$114	$19
State Farm	$121	$20
Progressive	$279	$47
Kemper	$311	$52
Farmers	$363	$61
Allstate	$521	$87

Cheapest Full Coverage Car Insurance in Heart Butte

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 Heart Butte is State Farm at $110 per month and $655 for six months.

Cheapest Full Coverage Car Insurance Quotes in Heart Butte, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$655	$110
USAA	$661	$111
Nationwide	$839	$141
Progressive	$1220	$205
Allstate	$1436	$242
Farmers	$1513	$255

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Average Car Insurance in Heart Butte 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 Heart Butte, MT increasing?

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

Car Insurance Premiums by Age in Heart Butte

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 Heart Butte,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Heart Butte at $63 per month. At $3673 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$381	$63
State Farm	$1010	$170
USAA	$1303	$219
Progressive	$2034	$342
Allstate	$3394	$571
Farmers	$3673	$618

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 Heart Butte, Nationwide is the cheapest car insurance provider. At $356 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 Heart Butte is Allstate, offering rates of around $2116 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$356	$59
USAA	$1202	$204
State Farm	$1334	$225
Farmers	$1831	$308
Progressive	$2066	$345
Allstate	$2116	$360

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Car Insurance Rates with An Accident in Heart Butte

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

Cheapest Car Insurance Companies after an At-Fault Accident in Heart Butte

The cheapest car insurance companies after an at-fault accident in Heart Butte include State Farm and Kemper, offering $387 and $464, respectively. Farmers is an expensive provider with an average six-month premium of $1760.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$387	$65
Kemper	$464	$79
USAA	$502	$85
Progressive	$1170	$197
Allstate	$1589	$268
Farmers	$1760	$296

Heart Butte Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Heart Butte MT. For example, the car insurance in Heart Butte after a DUI increases to $661 for a six month policy. While the rate increases by $108 for a six-month policy in the case of a speeding ticket.

Heart Butte auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1170	$195
One Med/PIP claim	$1170	$199
Not-at-fault accident	$1195	$199
One comp claim	$1195	$203
Two Med/PIP claims	$1195	$199
Two comp claims	$1220	$208
Child safety restraint	$1278	$213
Driving without lights	$1278	$217
Speeding 6 - 10 MPH over limit	$1278	$213
Failure to show documents	$1284	$218
Failure to wear a seat belt	$1290	$215
Speeding 11 - 15 MPH over limit	$1360	$231
Driving with expired registration	$1366	$228
Cell phone violation	$1379	$234
Failure to stop at a red light	$1379	$230
Failure to yield	$1379	$234
Following too closely	$1379	$230
Illegal turn	$1379	$234
Improper passing	$1379	$230
Texting while driving	$1379	$234
Speeding 16 - 20 MPH over limit	$1386	$231
Driving too slowly	$1392	$236
Wrong way/wrong lane	$1411	$235
Passing school bus	$1442	$245
Speeding in school zone	$1487	$248
In 65 MPH zone	$1494	$254
Speeding 21 - 25 MPH over limit	$1494	$249
Operating a vehicle without permission	$1500	$255
Open container	$1507	$251
At-fault accident - less than $1000	$1519	$258
At-fault accident - $1000-$2000	$1570	$262
At-fault accident - greater than $2000	$1583	$269
Reckless driving	$1703	$284
Driving with a suspended license	$1723	$293
Refusal to submit to a chemical test	$1748	$291
DUI	$1831	$311
Racing	$1900	$317
Leaving scene of an accident/hit and run	$1920	$326

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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 Heart Butte 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 Heart Butte.

The cheapest car insurance premiums in Heart Butte are offered by Kemper at $324 for a six-month policy. However, it can be as expensive as $1976 with companies like Allstate.

Heart Butte car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$324	$55
State Farm	$579	$97
Progressive	$908	$153
USAA	$921	$155
Farmers	$1697	$286
Allstate	$1976	$333

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 Heart Butte are offered by State Farm at $305. However, it can be as expensive as $1736 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Heart Butte after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$305	$51
USAA	$769	$128
Allstate	$1513	$257
Farmers	$1563	$263
Progressive	$1736	$295

Car Insurance Price Trends in Heart Butte, Montana

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

The average cost of full coverage in the Heart Butte remained steady at $212 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Heart Butte remained steady at $39 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 Heart Butte?

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

What is the cheapest car insurance in Heart Butte?

The cheapest car insurance in Heart Butte is $110 per month for full coverage.

How much is car insurance in Heart Butte for teenagers?

Car insurance for teenagers costs $381 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 Heart Butte?

The average cost of car insurance is $985 for a six-month policy. It will cost around $177 per month to insure your car in Heart Butte.

Is car insurance expensive in Heart Butte?

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

What is the best car insurance in Heart Butte, MT?

The best car insurance company in Heart Butte MT is State Farm, offering $655 for a six-month policy.