Cheapest Car Insurance Quotes in Lakeside

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Lakeside 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 Lakeside

The car insurance rate in Lakeside is $1044 for a six-month policy, which is $59 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $649, making it a popular choice for budget-conscious drivers. Rates in Lakeside 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 Lakeside

$1044

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Lakeside

1st place: State Farm

At $649 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 $655 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $831 for six months, making it the third cheapest auto insurance company in Lakeside.

Lakeside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakeside, MT is State Farm, offering policies at just $649 for a six-month term. This is followed by USAA, which has an average six-month premium of $655.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1499 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakeside drivers find the best deals.

Cheap Car Insurance Companies in Lakeside, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$649	$109
USAA	$655	$110
Nationwide	$831	$140
Progressive	$1208	$204
Allstate	$1423	$240
Farmers	$1499	$252

Key Takeaways

Way's key takeaways about car insurance in Lakeside

The auto insurance costs in Lakeside fall around $649 for six months.
The cheapest auto insurance company in Lakeside is USAA.
Teen drivers pay the highest rate in Lakeside at $613 per month.

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Cheapest Minimum Liability Car Insurance in Lakeside

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 Lakeside are given below.

USAA provides the cheapest minimum car insurance coverage in Lakeside. Their Average 6 Month Premium is $113. Allstate is the most expensive at $516 for the same period.

Cheapest Liability Coverage in Lakeside, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$113	$19
State Farm	$120	$20
Progressive	$277	$47
Kemper	$308	$52
Farmers	$359	$60
Allstate	$516	$86

Cheapest Full Coverage Car Insurance in Lakeside

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 Lakeside is State Farm at $109 per month and $649 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakeside, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$649	$109
USAA	$655	$110
Nationwide	$831	$140
Progressive	$1208	$204
Allstate	$1423	$240
Farmers	$1499	$252

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Average Car Insurance in Lakeside 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 Lakeside, MT increasing?

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

Car Insurance Premiums by Age in Lakeside

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 Lakeside,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lakeside at $63 per month. At $3639 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$377	$63
State Farm	$1001	$169
USAA	$1291	$217
Progressive	$2015	$339
Allstate	$3362	$566
Farmers	$3639	$613

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 Lakeside, Nationwide is the cheapest car insurance provider. At $353 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 Lakeside is Allstate, offering rates of around $2097 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$353	$58
USAA	$1190	$202
State Farm	$1322	$223
Farmers	$1814	$305
Progressive	$2047	$341
Allstate	$2097	$356

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Car Insurance Rates with An Accident in Lakeside

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lakeside

The cheapest car insurance companies after an at-fault accident in Lakeside include State Farm and Kemper, offering $384 and $460, respectively. Farmers is an expensive provider with an average six-month premium of $1744.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$384	$65
Kemper	$460	$78
USAA	$497	$84
Progressive	$1159	$195
Allstate	$1574	$265
Farmers	$1744	$294

Lakeside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakeside MT. For example, the car insurance in Lakeside after a DUI increases to $655 for a six month policy. While the rate increases by $107 for a six-month policy in the case of a speeding ticket.

Lakeside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1159	$193
One Med/PIP claim	$1159	$197
Not-at-fault accident	$1184	$197
One comp claim	$1184	$201
Two Med/PIP claims	$1184	$197
Two comp claims	$1208	$206
Child safety restraint	$1266	$211
Driving without lights	$1266	$215
Speeding 6 - 10 MPH over limit	$1266	$211
Failure to show documents	$1272	$216
Failure to wear a seat belt	$1278	$213
Speeding 11 - 15 MPH over limit	$1347	$229
Driving with expired registration	$1354	$226
Cell phone violation	$1366	$232
Failure to stop at a red light	$1366	$228
Failure to yield	$1366	$232
Following too closely	$1366	$228
Illegal turn	$1366	$232
Improper passing	$1366	$228
Texting while driving	$1366	$232
Speeding 16 - 20 MPH over limit	$1373	$229
Driving too slowly	$1379	$234
Wrong way/wrong lane	$1398	$233
Passing school bus	$1429	$243
Speeding in school zone	$1473	$246
In 65 MPH zone	$1480	$251
Speeding 21 - 25 MPH over limit	$1480	$247
Operating a vehicle without permission	$1486	$252
Open container	$1492	$249
At-fault accident - less than $1000	$1505	$255
At-fault accident - $1000-$2000	$1555	$260
At-fault accident - greater than $2000	$1568	$266
Reckless driving	$1688	$281
Driving with a suspended license	$1707	$290
Refusal to submit to a chemical test	$1732	$288
DUI	$1814	$308
Racing	$1883	$314
Leaving scene of an accident/hit and run	$1902	$323

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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 Lakeside 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 Lakeside.

The cheapest car insurance premiums in Lakeside are offered by Kemper at $321 for a six-month policy. However, it can be as expensive as $1958 with companies like Allstate.

Lakeside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$321	$54
State Farm	$573	$96
Progressive	$900	$152
USAA	$913	$154
Farmers	$1681	$283
Allstate	$1958	$330

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 Lakeside are offered by State Farm at $302. However, it can be as expensive as $1719 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Lakeside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$302	$51
USAA	$762	$127
Allstate	$1499	$254
Farmers	$1549	$261
Progressive	$1719	$293

Car Insurance Price Trends in Lakeside, Montana

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

The average cost of full coverage in the Lakeside remained steady at $210 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lakeside remained steady at $38 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 Lakeside?

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

What is the cheapest car insurance in Lakeside?

The cheapest car insurance in Lakeside is $109 per month for full coverage.

How much is car insurance in Lakeside for teenagers?

Car insurance for teenagers costs $377 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 Lakeside?

The average cost of car insurance is $985 for a six-month policy. It will cost around $175 per month to insure your car in Lakeside.

Is car insurance expensive in Lakeside?

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

What is the best car insurance in Lakeside, MT?

The best car insurance company in Lakeside MT is State Farm, offering $649 for a six-month policy.