Cheapest Car Insurance Quotes in Lodge Grass

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Lodge Grass Car Insurance

^$ 20

/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 $1103 for a six-month policy, which is $118 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $685, 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

$1103

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Lodge Grass

1st place: State Farm

At $685 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 $692 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $878 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 State Farm, offering policies at just $685 for a six-month term. This is followed by USAA, which has an average six-month premium of $692.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1584 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
State Farm	$685	$115
USAA	$692	$116
Nationwide	$878	$148
Progressive	$1277	$215
Allstate	$1503	$253
Farmers	$1584	$267

Key Takeaways

Way's key takeaways about car insurance in Lodge Grass

The auto insurance costs in Lodge Grass fall around $685 for six months.
The cheapest auto insurance company in Lodge Grass is USAA.
Teen drivers pay the highest rate in Lodge Grass at $647 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.

USAA provides the cheapest minimum car insurance coverage in Lodge Grass. Their Average 6 Month Premium is $120. Allstate is the most expensive at $545 for the same period.

Cheapest Liability Coverage in Lodge Grass, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$120	$20
State Farm	$127	$21
Progressive	$292	$49
Kemper	$326	$55
Farmers	$380	$64
Allstate	$545	$91

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 State Farm at $115 per month and $685 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lodge Grass, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$685	$115
USAA	$692	$116
Nationwide	$878	$148
Progressive	$1277	$215
Allstate	$1503	$253
Farmers	$1584	$267

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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 $66 per month. At $3845 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$399	$66
State Farm	$1057	$178
USAA	$1364	$230
Progressive	$2129	$358
Allstate	$3553	$598
Farmers	$3845	$647

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 $373 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 Allstate, offering rates of around $2215 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$373	$62
USAA	$1258	$214
State Farm	$1397	$235
Farmers	$1916	$323
Progressive	$2163	$361
Allstate	$2215	$376

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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 $405 and $486, respectively. Farmers is an expensive provider with an average six-month premium of $1842.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$405	$68
Kemper	$486	$83
USAA	$525	$88
Progressive	$1224	$206
Allstate	$1663	$280
Farmers	$1842	$310

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 $692 for a six month policy. While the rate increases by $113 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	$1224	$204
One Med/PIP claim	$1224	$208
Not-at-fault accident	$1251	$208
One comp claim	$1251	$213
Two Med/PIP claims	$1251	$208
Two comp claims	$1277	$217
Child safety restraint	$1337	$223
Driving without lights	$1337	$227
Speeding 6 - 10 MPH over limit	$1337	$223
Failure to show documents	$1344	$228
Failure to wear a seat belt	$1351	$225
Speeding 11 - 15 MPH over limit	$1424	$242
Driving with expired registration	$1430	$239
Cell phone violation	$1444	$245
Failure to stop at a red light	$1444	$241
Failure to yield	$1444	$245
Following too closely	$1444	$241
Illegal turn	$1444	$245
Improper passing	$1444	$241
Texting while driving	$1444	$245
Speeding 16 - 20 MPH over limit	$1450	$242
Driving too slowly	$1457	$248
Wrong way/wrong lane	$1477	$246
Passing school bus	$1510	$256
Speeding in school zone	$1557	$260
In 65 MPH zone	$1564	$265
Speeding 21 - 25 MPH over limit	$1564	$261
Operating a vehicle without permission	$1570	$267
Open container	$1577	$263
At-fault accident - less than $1000	$1590	$270
At-fault accident - $1000-$2000	$1643	$274
At-fault accident - greater than $2000	$1656	$281
Reckless driving	$1783	$297
Driving with a suspended license	$1803	$307
Refusal to submit to a chemical test	$1830	$305
DUI	$1916	$326
Racing	$1989	$332
Leaving scene of an accident/hit and run	$2009	$342

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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 $339 for a six-month policy. However, it can be as expensive as $2069 with companies like Allstate.

Lodge Grass car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$339	$57
State Farm	$606	$102
Progressive	$951	$160
USAA	$964	$162
Farmers	$1776	$299
Allstate	$2069	$348

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 $319. However, it can be as expensive as $1817 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	$319	$54
USAA	$805	$134
Allstate	$1584	$269
Farmers	$1636	$276
Progressive	$1817	$309

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 $222 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lodge Grass remained steady at $40 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 Lodge Grass?

The car insurance in Lodge Grass is $20 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 $115 per month for full coverage.

How much is car insurance in Lodge Grass for teenagers?

Car insurance for teenagers costs $399 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 $985 for a six-month policy. It will cost around $185 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 State Farm, offering $685 for a six-month policy.