Cheapest Car Insurance Quotes in Lodge Grass

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Lodge Grass Car Insurance

^$ 21

/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 Lodge Grass

The car insurance rate in Lodge Grass is $1138 for a six-month policy, which is $94 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in Lodge Grass 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 Lodge Grass

$1138

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Lodge Grass

1st place: USAA

At $687 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 $725 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1024 for six months, making it the third cheapest auto insurance company in Lodge Grass.

Lodge Grass Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lodge Grass, MT is USAA, offering policies at just $687 for a six-month term. This is followed by State Farm, which has an average six-month premium of $725.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1573 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lodge Grass drivers find the best deals.

Cheap Car Insurance Companies in Lodge Grass, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$687	$116
State Farm	$725	$122
Nationwide	$1024	$172
Progressive	$1321	$222
Allstate	$1502	$253
Farmers	$1573	$265

Key Takeaways

Way's key takeaways about car insurance in Lodge Grass

The auto insurance costs in Lodge Grass fall around $687 for six months.
The cheapest auto insurance company in Lodge Grass is State Farm.
Teen drivers pay the highest rate in Lodge Grass at $659 per month.

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Cheapest Minimum Liability Car Insurance in Lodge Grass

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 Lodge Grass are given below.

State Farm provides the cheapest minimum car insurance coverage in Lodge Grass. Their Average 6 Month Premium is $123. Allstate is the most expensive at $531 for the same period.

Cheapest Liability Coverage in Lodge Grass, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$123	$21
USAA	$123	$21
Progressive	$259	$44
Farmers	$278	$47
Kemper	$317	$53
Allstate	$531	$88

Cheapest Full Coverage Car Insurance in Lodge Grass

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 Lodge Grass is USAA at $116 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lodge Grass, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$687	$116
State Farm	$725	$122
Nationwide	$1024	$172
Progressive	$1321	$222
Allstate	$1502	$253
Farmers	$1573	$265

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Average Car Insurance in Lodge Grass 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 Lodge Grass, MT increasing?

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

Car Insurance Premiums by Age in Lodge Grass

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 Lodge Grass,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lodge Grass at $64 per month. At $3917 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$388	$64
State Farm	$1237	$208
USAA	$1425	$240
Progressive	$2246	$378
Allstate	$3554	$598
Nationwide	$3801	$646
Farmers	$3917	$659

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 Lodge Grass, Nationwide is the cheapest car insurance provider. At $1262 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 Lodge Grass is Progressive, offering rates of around $2499 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1262	$213
USAA	$1366	$232
Farmers	$2059	$347
State Farm	$2130	$359
Allstate	$2312	$385
Progressive	$2499	$425

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Car Insurance Rates with An Accident in Lodge Grass

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lodge Grass

The cheapest car insurance companies after an at-fault accident in Lodge Grass include State Farm and Kemper, offering $440 and $473, respectively. Nationwide is an expensive provider with an average six-month premium of $2330.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$440	$74
Kemper	$473	$81
USAA	$537	$90
Progressive	$1288	$217
Allstate	$1671	$281
Farmers	$1845	$311
Nationwide	$2330	$388

Lodge Grass Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lodge Grass MT. For example, the car insurance in Lodge Grass after a DUI increases to $674 for a six month policy. While the rate increases by $110 for a six-month policy in the case of a speeding ticket.

Lodge Grass auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1191	$198
One Med/PIP claim	$1191	$203
Not-at-fault accident	$1218	$203
One comp claim	$1218	$207
Two Med/PIP claims	$1218	$203
Two comp claims	$1243	$211
Child safety restraint	$1301	$217
Driving without lights	$1301	$221
Speeding 6 - 10 MPH over limit	$1301	$217
Failure to show documents	$1308	$222
Failure to wear a seat belt	$1315	$219
Speeding 11 - 15 MPH over limit	$1385	$235
Driving with expired registration	$1392	$232
Cell phone violation	$1405	$239
Failure to stop at a red light	$1405	$234
Failure to yield	$1405	$239
Following too closely	$1405	$234
Illegal turn	$1405	$239
Improper passing	$1405	$234
Texting while driving	$1405	$239
Speeding 16 - 20 MPH over limit	$1412	$235
Driving too slowly	$1418	$241
Wrong way/wrong lane	$1438	$240
Passing school bus	$1469	$250
Speeding in school zone	$1515	$253
In 65 MPH zone	$1522	$258
Speeding 21 - 25 MPH over limit	$1522	$254
Operating a vehicle without permission	$1528	$259
Open container	$1535	$256
At-fault accident - less than $1000	$1548	$263
At-fault accident - $1000-$2000	$1599	$267
At-fault accident - greater than $2000	$1612	$274
Reckless driving	$1735	$289
Driving with a suspended license	$1755	$299
Refusal to submit to a chemical test	$1781	$296
DUI	$1865	$317
Racing	$1936	$323
Leaving scene of an accident/hit and run	$1955	$332

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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 Lodge Grass 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 Lodge Grass.

The cheapest car insurance premiums in Lodge Grass are offered by Kemper at $330 for a six-month policy. However, it can be as expensive as $3127 with companies like Nationwide.

Lodge Grass car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$330	$56
State Farm	$725	$122
USAA	$991	$167
Progressive	$1004	$169
Farmers	$1775	$299
Allstate	$2092	$352
Nationwide	$3127	$532

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 Lodge Grass are offered by State Farm at $460. However, it can be as expensive as $2098 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Lodge Grass after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$460	$77
USAA	$881	$149
Allstate	$1651	$275
Farmers	$1664	$280
Nationwide	$1942	$324
Progressive	$2098	$356

Car Insurance Price Trends in Lodge Grass, Montana

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

The average cost of full coverage in the Lodge Grass remained steady at $246 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Lodge Grass remained steady at $34 in both February and January, indicating no change over the two month period.

Our Insurance Agent Experts

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Frequently Asked Questions

How much is car insurance in Lodge Grass?

The car insurance in Lodge Grass is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Lodge Grass?

The cheapest car insurance in Lodge Grass is $116 per month for full coverage.

How much is car insurance in Lodge Grass for teenagers?

Car insurance for teenagers costs $388 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 Lodge Grass?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $191 per month to insure your car in Lodge Grass.

Is car insurance expensive in Lodge Grass?

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

What is the best car insurance in Lodge Grass, MT?

The best car insurance company in Lodge Grass MT is USAA, offering $687 for a six-month policy.