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Finding the cheapest car insurance quotes in Lambert 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 Lambert
The car insurance rate in Lambert is $1013 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $611, making it a popular choice for budget-conscious drivers. Rates in Lambert 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 $611 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 $645 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $911
for six months, making it
the third cheapest auto insurance company in Lambert.
Lambert Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lambert, MT is USAA, offering policies at just $611 for a six-month term. This is followed by State Farm, which has an average six-month premium of $645.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1400 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lambert drivers find the best deals.
Way's key takeaways about car insurance in Lambert
The auto insurance costs in Lambert fall around $611 for six
months.
The cheapest auto insurance company in Lambert is State Farm.
Teen drivers pay the highest rate in Lambert at $587 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Lambert
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 Lambert are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Lambert. Their Average 6 Month Premium is $110.
Allstate is the most
expensive at $472 for the same
period.
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 Lambert is USAA
at $103 per month and $611
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lambert,
MT
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Instantly!
Average Car Insurance in Lambert 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 Lambert, MT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lambert, 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, Lambert's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lambert
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
Lambert,MT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Lambert at $57
per
month. At $3486 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 Lambert.
As young drivers face the highest rates in Lambert, 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 Lambert,
Nationwide is
the cheapest car insurance provider. At $1123 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
Lambert is Progressive, offering
rates of around $2224 for six
months.
Save up to $971/yr on car insurance rates in Lambert.
Car Insurance Rates with An Accident in Lambert
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 Lambert, MT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lambert
The cheapest car insurance companies after an at-fault accident in
Lambert include State Farm
and Kemper, offering $392
and $421,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$2074.
Here is a list of driving violations that can increase your car
insurance rates in Lambert MT. For example, the car
insurance in Lambert
after a DUI increases to $600 for a six
month policy. While the rate increases by $98 for a six-month policy in the case of
a speeding ticket.
Lambert auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1060
$177
One Med/PIP claim
$1060
$180
Not-at-fault accident
$1083
$180
One comp claim
$1083
$184
Two Med/PIP claims
$1083
$180
Two comp claims
$1106
$188
Child safety restraint
$1158
$193
Driving without lights
$1158
$197
Speeding 6 - 10 MPH over limit
$1158
$193
Failure to show documents
$1164
$198
Failure to wear a seat belt
$1170
$195
Speeding 11 - 15 MPH over limit
$1233
$210
Driving with expired registration
$1239
$207
Cell phone violation
$1250
$212
Failure to stop at a red light
$1250
$209
Failure to yield
$1250
$212
Following too closely
$1250
$209
Illegal turn
$1250
$212
Improper passing
$1250
$209
Texting while driving
$1250
$212
Speeding 16 - 20 MPH over limit
$1256
$210
Driving too slowly
$1262
$214
Wrong way/wrong lane
$1279
$213
Passing school bus
$1308
$222
Speeding in school zone
$1348
$225
In 65 MPH zone
$1354
$230
Speeding 21 - 25 MPH over limit
$1354
$226
Operating a vehicle without permission
$1360
$231
Open container
$1366
$228
At-fault accident - less than $1000
$1377
$234
At-fault accident - $1000-$2000
$1423
$238
At-fault accident - greater than $2000
$1435
$243
Reckless driving
$1544
$257
Driving with a suspended license
$1562
$266
Refusal to submit to a chemical test
$1585
$264
DUI
$1660
$282
Racing
$1723
$287
Leaving scene of an accident/hit and run
$1740
$296
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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 Lambert 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 Lambert.
The cheapest car insurance premiums in
Lambert are
offered by Kemper at $294 for a six-month policy.
However, it can be as
expensive as $2783 with companies
like Nationwide.
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 Lambert are offered by State Farm
at $409. However,
it can be as expensive as $1867
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Lambert after Speeding ticket
Car insurance rates in Lambert have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lambert remained steady at $219 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Lambert remained steady at $30 in both February and January, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lambert. At $2025 for a
six-month policy, insuring
your car at 59243 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 Lambert?
The car insurance in Lambert is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Lambert?
The cheapest car insurance in Lambert
is $103 per month
for full coverage.
How much is car insurance in Lambert for teenagers?
Car insurance for teenagers costs $345 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
Lambert?
The average cost of car insurance is $1044 for a six-month
policy. It will cost around $170 per month to insure your
car in Lambert.
Is car insurance expensive in Lambert?
Car insurance can be expensive in Lambert if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lambert can be
affordable.
What is the best car insurance in Lambert,
MT?
The best car insurance company in Lambert
MT is
USAA, offering $611 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lambert, MT
Car Insurance Rates by State in the USA (2025 Update)
Lambert Car Insurance
