Cheapest Car Insurance Quotes in Helena Valley West Central

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Helena Valley West Central 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 Helena Valley West Central

The car insurance rate in Helena Valley West Central is $971 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $586, making it a popular choice for budget-conscious drivers. Rates in Helena Valley West Central 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 Helena Valley West Central

$971

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Helena Valley West Central

1st place: USAA

At $586 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 $618 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $873 for six months, making it the third cheapest auto insurance company in Helena Valley West Central.

Helena Valley West Central Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Helena Valley West Central, MT is USAA, offering policies at just $586 for a six-month term. This is followed by State Farm, which has an average six-month premium of $618.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1342 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Helena Valley West Central drivers find the best deals.

Cheap Car Insurance Companies in Helena Valley West Central, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$586	$99
State Farm	$618	$104
Nationwide	$873	$147
Progressive	$1127	$190
Allstate	$1282	$216
Farmers	$1342	$226

Key Takeaways

Way's key takeaways about car insurance in Helena Valley West Central

The auto insurance costs in Helena Valley West Central fall around $586 for six months.
The cheapest auto insurance company in Helena Valley West Central is State Farm.
Teen drivers pay the highest rate in Helena Valley West Central at $563 per month.

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Cheapest Minimum Liability Car Insurance in Helena Valley West Central

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 Helena Valley West Central are given below.

State Farm provides the cheapest minimum car insurance coverage in Helena Valley West Central. Their Average 6 Month Premium is $105. Allstate is the most expensive at $453 for the same period.

Cheapest Liability Coverage in Helena Valley West Central, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$105	$18
USAA	$105	$18
Progressive	$221	$37
Farmers	$237	$40
Kemper	$271	$46
Allstate	$453	$75

Cheapest Full Coverage Car Insurance in Helena Valley West Central

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 Helena Valley West Central is USAA at $99 per month and $586 for six months.

Cheapest Full Coverage Car Insurance Quotes in Helena Valley West Central, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$586	$99
State Farm	$618	$104
Nationwide	$873	$147
Progressive	$1127	$190
Allstate	$1282	$216
Farmers	$1342	$226

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Average Car Insurance in Helena Valley West Central 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 Helena Valley West Central, MT increasing?

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

Car Insurance Premiums by Age in Helena Valley West Central

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 Helena Valley West Central,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Helena Valley West Central at $55 per month. At $3342 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$331	$55
State Farm	$1056	$178
USAA	$1216	$205
Progressive	$1917	$323
Allstate	$3033	$511
Nationwide	$3243	$551
Farmers	$3342	$563

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 Helena Valley West Central, Nationwide is the cheapest car insurance provider. At $1077 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 Helena Valley West Central is Progressive, offering rates of around $2132 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1077	$181
USAA	$1165	$198
Farmers	$1757	$296
State Farm	$1817	$306
Allstate	$1973	$328
Progressive	$2132	$363

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Car Insurance Rates with An Accident in Helena Valley West Central

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 Helena Valley West Central, MT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Helena Valley West Central

The cheapest car insurance companies after an at-fault accident in Helena Valley West Central include State Farm and Kemper, offering $376 and $404, respectively. Nationwide is an expensive provider with an average six-month premium of $1988.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$376	$63
Kemper	$404	$69
USAA	$458	$77
Progressive	$1099	$185
Allstate	$1426	$240
Farmers	$1574	$265
Nationwide	$1988	$331

Helena Valley West Central Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Helena Valley West Central MT. For example, the car insurance in Helena Valley West Central after a DUI increases to $575 for a six month policy. While the rate increases by $94 for a six-month policy in the case of a speeding ticket.

Helena Valley West Central auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1016	$169
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1039	$173
One comp claim	$1039	$177
Two Med/PIP claims	$1039	$173
Two comp claims	$1060	$180
Child safety restraint	$1110	$185
Driving without lights	$1110	$189
Speeding 6 - 10 MPH over limit	$1110	$185
Failure to show documents	$1116	$190
Failure to wear a seat belt	$1122	$187
Speeding 11 - 15 MPH over limit	$1182	$201
Driving with expired registration	$1188	$198
Cell phone violation	$1199	$204
Failure to stop at a red light	$1199	$200
Failure to yield	$1199	$204
Following too closely	$1199	$200
Illegal turn	$1199	$204
Improper passing	$1199	$200
Texting while driving	$1199	$204
Speeding 16 - 20 MPH over limit	$1204	$201
Driving too slowly	$1210	$206
Wrong way/wrong lane	$1227	$205
Passing school bus	$1254	$213
Speeding in school zone	$1293	$216
In 65 MPH zone	$1298	$220
Speeding 21 - 25 MPH over limit	$1298	$217
Operating a vehicle without permission	$1304	$221
Open container	$1309	$219
At-fault accident - less than $1000	$1321	$224
At-fault accident - $1000-$2000	$1364	$228
At-fault accident - greater than $2000	$1375	$233
Reckless driving	$1481	$246
Driving with a suspended license	$1497	$255
Refusal to submit to a chemical test	$1520	$253
DUI	$1591	$271
Racing	$1652	$275
Leaving scene of an accident/hit and run	$1668	$284

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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 Helena Valley West Central 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 Helena Valley West Central.

The cheapest car insurance premiums in Helena Valley West Central are offered by Kemper at $282 for a six-month policy. However, it can be as expensive as $2668 with companies like Nationwide.

Helena Valley West Central car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$282	$47
State Farm	$618	$104
USAA	$845	$142
Progressive	$857	$144
Farmers	$1514	$255
Allstate	$1785	$300
Nationwide	$2668	$454

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 Helena Valley West Central are offered by State Farm at $392. However, it can be as expensive as $1790 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Helena Valley West Central after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$392	$66
USAA	$751	$127
Allstate	$1409	$234
Farmers	$1420	$239
Nationwide	$1657	$276
Progressive	$1790	$304

Car Insurance Price Trends in Helena Valley West Central, Montana

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

The average cost of full coverage in the Helena Valley West Central remained steady at $210 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Helena Valley West Central remained steady at $29 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 Helena Valley West Central?

The car insurance in Helena Valley West Central is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Helena Valley West Central?

The cheapest car insurance in Helena Valley West Central is $99 per month for full coverage.

How much is car insurance in Helena Valley West Central for teenagers?

Car insurance for teenagers costs $331 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 Helena Valley West Central?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $163 per month to insure your car in Helena Valley West Central.

Is car insurance expensive in Helena Valley West Central?

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

What is the best car insurance in Helena Valley West Central, MT?

The best car insurance company in Helena Valley West Central MT is USAA, offering $586 for a six-month policy.