Cheapest Car Insurance Quotes in Medicine Lake

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Medicine Lake Car Insurance

^$ 17

/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 Medicine Lake

The car insurance rate in Medicine Lake is $946 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $588, making it a popular choice for budget-conscious drivers. Rates in Medicine Lake 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 Medicine Lake

$946

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Medicine Lake

1st place: State Farm

At $588 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 $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $753 for six months, making it the third cheapest auto insurance company in Medicine Lake.

Medicine Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Medicine Lake, MT is State Farm, offering policies at just $588 for a six-month term. This is followed by USAA, which has an average six-month premium of $593.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1357 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Medicine Lake drivers find the best deals.

Cheap Car Insurance Companies in Medicine Lake, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$588	$99
USAA	$593	$100
Nationwide	$753	$127
Progressive	$1094	$184
Allstate	$1288	$217
Farmers	$1357	$228

Key Takeaways

Way's key takeaways about car insurance in Medicine Lake

The auto insurance costs in Medicine Lake fall around $588 for six months.
The cheapest auto insurance company in Medicine Lake is USAA.
Teen drivers pay the highest rate in Medicine Lake at $555 per month.

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Cheapest Minimum Liability Car Insurance in Medicine Lake

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 Medicine Lake are given below.

USAA provides the cheapest minimum car insurance coverage in Medicine Lake. Their Average 6 Month Premium is $103. Allstate is the most expensive at $468 for the same period.

Cheapest Liability Coverage in Medicine Lake, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$103	$17
State Farm	$108	$18
Progressive	$251	$42
Kemper	$279	$47
Farmers	$325	$55
Allstate	$468	$78

Cheapest Full Coverage Car Insurance in Medicine Lake

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 Medicine Lake is State Farm at $99 per month and $588 for six months.

Cheapest Full Coverage Car Insurance Quotes in Medicine Lake, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$588	$99
USAA	$593	$100
Nationwide	$753	$127
Progressive	$1094	$184
Allstate	$1288	$217
Farmers	$1357	$228

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Average Car Insurance in Medicine Lake 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 Medicine Lake, MT increasing?

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

Car Insurance Premiums by Age in Medicine Lake

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 Medicine Lake,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Medicine Lake at $57 per month. At $3296 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$342	$57
State Farm	$906	$153
USAA	$1169	$197
Progressive	$1825	$307
Allstate	$3045	$513
Farmers	$3296	$555

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 Medicine Lake, Nationwide is the cheapest car insurance provider. At $320 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 Medicine Lake is Allstate, offering rates of around $1899 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$320	$53
USAA	$1078	$183
State Farm	$1197	$202
Farmers	$1643	$276
Progressive	$1854	$309
Allstate	$1899	$323

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Car Insurance Rates with An Accident in Medicine Lake

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 Medicine Lake, MT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Medicine Lake

The cheapest car insurance companies after an at-fault accident in Medicine Lake include State Farm and Kemper, offering $348 and $417, respectively. Farmers is an expensive provider with an average six-month premium of $1579.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$348	$59
Kemper	$417	$71
USAA	$450	$76
Progressive	$1049	$177
Allstate	$1426	$240
Farmers	$1579	$266

Medicine Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Medicine Lake MT. For example, the car insurance in Medicine Lake after a DUI increases to $594 for a six month policy. While the rate increases by $97 for a six-month policy in the case of a speeding ticket.

Medicine Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1049	$175
One Med/PIP claim	$1049	$179
Not-at-fault accident	$1072	$179
One comp claim	$1072	$182
Two Med/PIP claims	$1072	$179
Two comp claims	$1094	$186
Child safety restraint	$1146	$191
Driving without lights	$1146	$195
Speeding 6 - 10 MPH over limit	$1146	$191
Failure to show documents	$1152	$196
Failure to wear a seat belt	$1158	$193
Speeding 11 - 15 MPH over limit	$1220	$207
Driving with expired registration	$1226	$204
Cell phone violation	$1237	$210
Failure to stop at a red light	$1237	$206
Failure to yield	$1237	$210
Following too closely	$1237	$206
Illegal turn	$1237	$210
Improper passing	$1237	$206
Texting while driving	$1237	$210
Speeding 16 - 20 MPH over limit	$1243	$207
Driving too slowly	$1249	$212
Wrong way/wrong lane	$1266	$211
Passing school bus	$1294	$220
Speeding in school zone	$1334	$223
In 65 MPH zone	$1340	$228
Speeding 21 - 25 MPH over limit	$1340	$224
Operating a vehicle without permission	$1346	$228
Open container	$1352	$226
At-fault accident - less than $1000	$1363	$231
At-fault accident - $1000-$2000	$1408	$235
At-fault accident - greater than $2000	$1420	$241
Reckless driving	$1528	$254
Driving with a suspended license	$1546	$263
Refusal to submit to a chemical test	$1569	$261
DUI	$1643	$279
Racing	$1705	$284
Leaving scene of an accident/hit and run	$1722	$293

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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 Medicine Lake 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 Medicine Lake.

The cheapest car insurance premiums in Medicine Lake are offered by Kemper at $291 for a six-month policy. However, it can be as expensive as $1773 with companies like Allstate.

Medicine Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$291	$49
State Farm	$519	$87
Progressive	$815	$137
USAA	$827	$139
Farmers	$1523	$256
Allstate	$1773	$299

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 Medicine Lake are offered by State Farm at $274. However, it can be as expensive as $1557 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Medicine Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$274	$46
USAA	$690	$115
Allstate	$1357	$230
Farmers	$1403	$236
Progressive	$1557	$265

Car Insurance Price Trends in Medicine Lake, Montana

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

The average cost of full coverage in the Medicine Lake remained steady at $190 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Medicine Lake remained steady at $35 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 Medicine Lake?

The car insurance in Medicine Lake is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Medicine Lake?

The cheapest car insurance in Medicine Lake is $99 per month for full coverage.

How much is car insurance in Medicine Lake for teenagers?

Car insurance for teenagers costs $342 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 Medicine Lake?

The average cost of car insurance is $985 for a six-month policy. It will cost around $158 per month to insure your car in Medicine Lake.

Is car insurance expensive in Medicine Lake?

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

What is the best car insurance in Medicine Lake, MT?

The best car insurance company in Medicine Lake MT is State Farm, offering $588 for a six-month policy.