Cheapest Car Insurance Quotes in Judith Gap

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Judith Gap 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 Judith Gap

The car insurance rate in Judith Gap is $1044 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 $630, making it a popular choice for budget-conscious drivers. Rates in Judith Gap 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 Judith Gap

$1044

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Judith Gap

1st place: USAA

At $630 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 $665 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $939 for six months, making it the third cheapest auto insurance company in Judith Gap.

Judith Gap Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Judith Gap, MT is USAA, offering policies at just $630 for a six-month term. This is followed by State Farm, which has an average six-month premium of $665.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1443 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Judith Gap drivers find the best deals.

Cheap Car Insurance Companies in Judith Gap, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$630	$106
State Farm	$665	$112
Nationwide	$939	$158
Progressive	$1212	$204
Allstate	$1378	$232
Farmers	$1443	$243

Key Takeaways

Way's key takeaways about car insurance in Judith Gap

The auto insurance costs in Judith Gap fall around $630 for six months.
The cheapest auto insurance company in Judith Gap is State Farm.
Teen drivers pay the highest rate in Judith Gap at $605 per month.

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Cheapest Minimum Liability Car Insurance in Judith Gap

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 Judith Gap are given below.

State Farm provides the cheapest minimum car insurance coverage in Judith Gap. Their Average 6 Month Premium is $113. Allstate is the most expensive at $487 for the same period.

Cheapest Liability Coverage in Judith Gap, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$113	$19
USAA	$113	$19
Progressive	$238	$40
Farmers	$255	$43
Kemper	$291	$49
Allstate	$487	$81

Cheapest Full Coverage Car Insurance in Judith Gap

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 Judith Gap is USAA at $106 per month and $630 for six months.

Cheapest Full Coverage Car Insurance Quotes in Judith Gap, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$630	$106
State Farm	$665	$112
Nationwide	$939	$158
Progressive	$1212	$204
Allstate	$1378	$232
Farmers	$1443	$243

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Average Car Insurance in Judith Gap 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 Judith Gap, MT increasing?

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

Car Insurance Premiums by Age in Judith Gap

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 Judith Gap,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Judith Gap at $59 per month. At $3594 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	$1135	$191
USAA	$1307	$220
Progressive	$2061	$347
Allstate	$3261	$549
Nationwide	$3487	$593
Farmers	$3594	$605

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 Judith Gap, Nationwide is the cheapest car insurance provider. At $1158 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 Judith Gap is Progressive, offering rates of around $2293 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1158	$195
USAA	$1253	$213
Farmers	$1889	$318
State Farm	$1954	$329
Allstate	$2121	$353
Progressive	$2293	$390

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Car Insurance Rates with An Accident in Judith Gap

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

Cheapest Car Insurance Companies after an At-Fault Accident in Judith Gap

The cheapest car insurance companies after an at-fault accident in Judith Gap include State Farm and Kemper, offering $404 and $434, respectively. Nationwide is an expensive provider with an average six-month premium of $2138.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$404	$68
Kemper	$434	$74
USAA	$493	$83
Progressive	$1182	$199
Allstate	$1533	$258
Farmers	$1693	$285
Nationwide	$2138	$356

Judith Gap Car Insurance Rates by Violation

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

Judith Gap 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 Judith Gap 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 Judith Gap.

The cheapest car insurance premiums in Judith Gap are offered by Kemper at $303 for a six-month policy. However, it can be as expensive as $2869 with companies like Nationwide.

Judith Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$303	$51
State Farm	$665	$112
USAA	$909	$153
Progressive	$921	$155
Farmers	$1628	$274
Allstate	$1919	$323
Nationwide	$2869	$488

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 Judith Gap are offered by State Farm at $422. However, it can be as expensive as $1925 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Judith Gap after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$422	$71
USAA	$808	$137
Allstate	$1515	$252
Farmers	$1527	$257
Nationwide	$1782	$297
Progressive	$1925	$327

Car Insurance Price Trends in Judith Gap, Montana

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

The average cost of full coverage in the Judith Gap remained steady at $226 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Judith Gap remained steady at $31 in both February and January, indicating no change over the two month period.

Our Insurance Agent Experts

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Principal

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Anthony Luu

Senior Director of Insurance Operations

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Ezra Peterson

Senior Director of Insurance

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Danny Herrera

Head of Commercial Insurance

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Frequently Asked Questions

How much is car insurance in Judith Gap?

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

What is the cheapest car insurance in Judith Gap?

The cheapest car insurance in Judith Gap is $106 per month for full coverage.

How much is car insurance in Judith Gap 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 Judith Gap?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $175 per month to insure your car in Judith Gap.

Is car insurance expensive in Judith Gap?

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

What is the best car insurance in Judith Gap, MT?

The best car insurance company in Judith Gap MT is USAA, offering $630 for a six-month policy.