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Finding the cheapest car insurance quotes in Mc Allister 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 Mc Allister
The car insurance rate in Mc Allister is $929 for a six-month policy, which is $115 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $561, making it a popular choice for budget-conscious drivers. Rates in Mc Allister 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 $561 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 $592 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $836
for six months, making it
the third cheapest auto insurance company in Mc Allister.
Mc Allister Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mc Allister, MT is USAA, offering policies at just $561 for a six-month term. This is followed by State Farm, which has an average six-month premium of $592.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1284 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mc Allister drivers find the best deals.
Way's key takeaways about car insurance in Mc Allister
The auto insurance costs in Mc Allister fall around $561 for six
months.
The cheapest auto insurance company in Mc Allister is State Farm.
Teen drivers pay the highest rate in Mc Allister at $538 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mc Allister
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 Mc Allister are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Mc Allister. Their Average 6 Month Premium is $101.
Allstate is the most
expensive at $433 for the same
period.
Cheapest Full Coverage Car Insurance in Mc Allister
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 Mc Allister is USAA
at $94 per month and $561
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mc Allister,
MT
Get Your Car Insurance Quote in Mc Allister
Instantly!
Average Car Insurance in Mc Allister 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 Mc Allister, MT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mc Allister, 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, Mc Allister's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mc Allister
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
Mc Allister,MT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Mc Allister at $53
per
month. At $3199 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 Mc Allister.
As young drivers face the highest rates in Mc Allister, 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 Mc Allister,
Nationwide is
the cheapest car insurance provider. At $1031 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
Mc Allister is Progressive, offering
rates of around $2041 for six
months.
Save up to $971/yr on car insurance rates in Mc Allister.
Car Insurance Rates with An Accident in Mc Allister
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 Mc Allister, MT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mc Allister
The cheapest car insurance companies after an at-fault accident in
Mc Allister include State Farm
and Kemper, offering $360
and $386,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$1903.
Here is a list of driving violations that can increase your car
insurance rates in Mc Allister MT. For example, the car
insurance in Mc Allister
after a DUI increases to $550 for a six
month policy. While the rate increases by $90 for a six-month policy in the case of
a speeding ticket.
Mc Allister auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$973
$162
One Med/PIP claim
$973
$166
Not-at-fault accident
$994
$166
One comp claim
$994
$169
Two Med/PIP claims
$994
$166
Two comp claims
$1015
$173
Child safety restraint
$1063
$177
Driving without lights
$1063
$181
Speeding 6 - 10 MPH over limit
$1063
$177
Failure to show documents
$1068
$182
Failure to wear a seat belt
$1073
$179
Speeding 11 - 15 MPH over limit
$1131
$192
Driving with expired registration
$1137
$190
Cell phone violation
$1147
$195
Failure to stop at a red light
$1147
$191
Failure to yield
$1147
$195
Following too closely
$1147
$191
Illegal turn
$1147
$195
Improper passing
$1147
$191
Texting while driving
$1147
$195
Speeding 16 - 20 MPH over limit
$1153
$192
Driving too slowly
$1158
$197
Wrong way/wrong lane
$1174
$196
Passing school bus
$1200
$204
Speeding in school zone
$1237
$206
In 65 MPH zone
$1242
$211
Speeding 21 - 25 MPH over limit
$1242
$207
Operating a vehicle without permission
$1248
$212
Open container
$1253
$209
At-fault accident - less than $1000
$1264
$214
At-fault accident - $1000-$2000
$1306
$218
At-fault accident - greater than $2000
$1316
$223
Reckless driving
$1417
$236
Driving with a suspended license
$1433
$244
Refusal to submit to a chemical test
$1454
$242
DUI
$1523
$259
Racing
$1581
$263
Leaving scene of an accident/hit and run
$1597
$271
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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 Mc Allister 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 Mc Allister.
The cheapest car insurance premiums in
Mc Allister are
offered by Kemper at $270 for a six-month policy.
However, it can be as
expensive as $2553 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 Mc Allister are offered by State Farm
at $376. However,
it can be as expensive as $1713
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Mc Allister after Speeding ticket
Car Insurance Price Trends in Mc Allister,
Montana
Car insurance rates in Mc Allister have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mc Allister rose by
$201 in February
compared to $176 of January. In other words, there has been an increase by $25 when you
compare February and January.
The average cost of liability insurance in the Mc Allister dipped to $28 in February,
compared to $32 in January.
This represents an decrease of $4
when comparing February and January.
Average Car Insurance Cost in Mc Allister by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mc Allister. At $N/A for a
six-month policy, insuring
your car at N/A 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 Mc Allister?
The car insurance in Mc Allister is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Mc Allister?
The cheapest car insurance in Mc Allister
is $94 per month
for full coverage.
How much is car insurance in Mc Allister for teenagers?
Car insurance for teenagers costs $317 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
Mc Allister?
The average cost of car insurance is $1044 for a six-month
policy. It will cost around $156 per month to insure your
car in Mc Allister.
Is car insurance expensive in Mc Allister?
Car insurance can be expensive in Mc Allister if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mc Allister can be
affordable.
What is the best car insurance in Mc Allister,
MT?
The best car insurance company in Mc Allister
MT is
USAA, offering $561 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mc Allister, MT
Car Insurance Rates by State in the USA (2025 Update)
Mc Allister Car Insurance
