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Finding the cheapest car insurance quotes in Lake McDonald shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Lake McDonald
The car insurance rate in Lake McDonald is $1034 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $643, making it a popular choice for budget-conscious drivers. Rates in Lake McDonald 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.
At $643 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 $649 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $823
for six months, making it
the third cheapest auto insurance company in Lake McDonald.
Lake McDonald Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lake McDonald, MT is State Farm, offering policies at just $643 for a six-month term. This is followed by USAA, which has an average six-month premium of $649.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1485 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake McDonald drivers find the best deals.
Cheap Car Insurance Companies in Lake McDonald, MT
Way's key takeaways about car insurance in Lake McDonald
The auto insurance costs in Lake McDonald fall around $643 for six
months.
The cheapest auto insurance company in Lake McDonald is USAA.
Teen drivers pay the highest rate in Lake McDonald at $607 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lake McDonald
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 Lake McDonald are given below.
USAA provides
the cheapest minimum car insurance
coverage in Lake McDonald. Their Average 6 Month Premium is $112.
Allstate is the most
expensive at $511 for the same
period.
Cheapest Full Coverage Car Insurance in Lake McDonald
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 Lake McDonald is State Farm
at $108 per month and $643
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lake McDonald,
MT
Get Your Car Insurance Quote in Lake McDonald
Instantly!
Average Car Insurance in Lake McDonald 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 Lake McDonald, MT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lake McDonald, 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, Lake McDonald's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lake McDonald
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Lake McDonald,MT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Lake McDonald at $62
per
month. At $3605 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Lake McDonald.
As young drivers face the highest rates in Lake McDonald, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Lake McDonald,
Nationwide is
the cheapest car insurance provider. At $350 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
Lake McDonald is Allstate, offering
rates of around $2077 for six
months.
Save up to $971/yr on car insurance rates in Lake McDonald.
Car Insurance Rates with An Accident in Lake McDonald
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 Lake McDonald, MT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lake McDonald
The cheapest car insurance companies after an at-fault accident in
Lake McDonald include State Farm
and Kemper, offering $380
and $456,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1727.
Here is a list of driving violations that can increase your car
insurance rates in Lake McDonald MT. For example, the car
insurance in Lake McDonald
after a DUI increases to $649 for a six
month policy. While the rate increases by $106 for a six-month policy in the case of
a speeding ticket.
Lake McDonald auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1148
$191
One Med/PIP claim
$1148
$195
Not-at-fault accident
$1173
$195
One comp claim
$1173
$200
Two Med/PIP claims
$1173
$195
Two comp claims
$1197
$204
Child safety restraint
$1254
$209
Driving without lights
$1254
$213
Speeding 6 - 10 MPH over limit
$1254
$209
Failure to show documents
$1260
$214
Failure to wear a seat belt
$1266
$211
Speeding 11 - 15 MPH over limit
$1335
$227
Driving with expired registration
$1341
$224
Cell phone violation
$1353
$230
Failure to stop at a red light
$1353
$226
Failure to yield
$1353
$230
Following too closely
$1353
$226
Illegal turn
$1353
$230
Improper passing
$1353
$226
Texting while driving
$1353
$230
Speeding 16 - 20 MPH over limit
$1360
$227
Driving too slowly
$1366
$232
Wrong way/wrong lane
$1385
$231
Passing school bus
$1415
$240
Speeding in school zone
$1460
$244
In 65 MPH zone
$1466
$249
Speeding 21 - 25 MPH over limit
$1466
$245
Operating a vehicle without permission
$1472
$250
Open container
$1478
$247
At-fault accident - less than $1000
$1491
$253
At-fault accident - $1000-$2000
$1540
$257
At-fault accident - greater than $2000
$1553
$264
Reckless driving
$1672
$278
Driving with a suspended license
$1691
$288
Refusal to submit to a chemical test
$1716
$286
DUI
$1797
$306
Racing
$1865
$311
Leaving scene of an accident/hit and run
$1884
$320
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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 Lake McDonald 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 Lake McDonald.
The cheapest car insurance premiums in
Lake McDonald are
offered by Kemper at $318 for a six-month policy.
However, it can be as
expensive as $1939 with companies
like Allstate.
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 Lake McDonald are offered by State Farm
at $299. However,
it can be as expensive as $1703
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Lake McDonald after Speeding ticket
Car Insurance Price Trends in Lake McDonald,
Montana
Car insurance rates in Lake McDonald have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lake McDonald remained steady at $208 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lake McDonald remained steady at $38 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Lake McDonald by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lake McDonald. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lake McDonald?
The car insurance in Lake McDonald is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Lake McDonald?
The cheapest car insurance in Lake McDonald
is $108 per month
for full coverage.
How much is car insurance in Lake McDonald for teenagers?
Car insurance for teenagers costs $374 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
Lake McDonald?
The average cost of car insurance is $985 for a six-month
policy. It will cost around $173 per month to insure your
car in Lake McDonald.
Is car insurance expensive in Lake McDonald?
Car insurance can be expensive in Lake McDonald if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lake McDonald can be
affordable.
What is the best car insurance in Lake McDonald,
MT?
The best car insurance company in Lake McDonald
MT is
State Farm, offering $643 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lake McDonald, MT
Car Insurance Rates by State in the USA (2025 Update)
Lake McDonald Car Insurance
