Cheapest Car Insurance Quotes in Martin City

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Martin City 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 Martin City

The car insurance rate in Martin City is $1096 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $662, making it a popular choice for budget-conscious drivers. Rates in Martin City 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 Martin City

$1096

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Martin City

1st place: USAA

At $662 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 $698 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $986 for six months, making it the third cheapest auto insurance company in Martin City.

Martin City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Martin City, MT is USAA, offering policies at just $662 for a six-month term. This is followed by State Farm, which has an average six-month premium of $698.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1515 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Martin City drivers find the best deals.

Cheap Car Insurance Companies in Martin City, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$662	$111
State Farm	$698	$118
Nationwide	$986	$166
Progressive	$1273	$214
Allstate	$1447	$244
Farmers	$1515	$255

Key Takeaways

Way's key takeaways about car insurance in Martin City

The auto insurance costs in Martin City fall around $662 for six months.
The cheapest auto insurance company in Martin City is State Farm.
Teen drivers pay the highest rate in Martin City at $635 per month.

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Cheapest Minimum Liability Car Insurance in Martin City

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 Martin City are given below.

State Farm provides the cheapest minimum car insurance coverage in Martin City. Their Average 6 Month Premium is $119. Allstate is the most expensive at $511 for the same period.

Cheapest Liability Coverage in Martin City, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$119	$20
USAA	$119	$20
Progressive	$250	$42
Farmers	$268	$45
Kemper	$306	$51
Allstate	$511	$85

Cheapest Full Coverage Car Insurance in Martin City

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 Martin City is USAA at $111 per month and $662 for six months.

Cheapest Full Coverage Car Insurance Quotes in Martin City, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$662	$111
State Farm	$698	$118
Nationwide	$986	$166
Progressive	$1273	$214
Allstate	$1447	$244
Farmers	$1515	$255

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Average Car Insurance in Martin City 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 Martin City, MT increasing?

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

Car Insurance Premiums by Age in Martin City

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 Martin City,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Martin City at $62 per month. At $3774 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$374	$62
State Farm	$1192	$201
USAA	$1372	$231
Progressive	$2164	$364
Allstate	$3424	$576
Nationwide	$3661	$623
Farmers	$3774	$635

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 Martin City, Nationwide is the cheapest car insurance provider. At $1216 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 Martin City is Progressive, offering rates of around $2408 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1216	$205
USAA	$1316	$224
Farmers	$1983	$334
State Farm	$2052	$345
Allstate	$2227	$371
Progressive	$2408	$410

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Car Insurance Rates with An Accident in Martin City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Martin City

The cheapest car insurance companies after an at-fault accident in Martin City include State Farm and Kemper, offering $424 and $456, respectively. Nationwide is an expensive provider with an average six-month premium of $2245.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$424	$71
Kemper	$456	$78
USAA	$518	$87
Progressive	$1241	$209
Allstate	$1610	$271
Farmers	$1778	$299
Nationwide	$2245	$374

Martin City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Martin City MT. For example, the car insurance in Martin City 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.

Martin City 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 Martin City 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 Martin City.

The cheapest car insurance premiums in Martin City are offered by Kemper at $318 for a six-month policy. However, it can be as expensive as $3012 with companies like Nationwide.

Martin City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$318	$54
State Farm	$698	$118
USAA	$954	$161
Progressive	$967	$163
Farmers	$1709	$288
Allstate	$2015	$339
Nationwide	$3012	$512

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 Martin City are offered by State Farm at $443. However, it can be as expensive as $2021 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Martin City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$443	$75
USAA	$848	$144
Allstate	$1591	$265
Farmers	$1603	$270
Nationwide	$1871	$312
Progressive	$2021	$343

Car Insurance Price Trends in Martin City, Montana

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

The average cost of full coverage in the Martin City remained steady at $237 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Martin City remained steady at $33 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Martin City?

The car insurance in Martin City is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Martin City?

The cheapest car insurance in Martin City is $111 per month for full coverage.

How much is car insurance in Martin City 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 Martin City?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $184 per month to insure your car in Martin City.

Is car insurance expensive in Martin City?

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

What is the best car insurance in Martin City, MT?

The best car insurance company in Martin City MT is USAA, offering $662 for a six-month policy.