Cheapest Car Insurance Quotes in Opheim

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Opheim Car Insurance

^$ 19

/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 Opheim

The car insurance rate in Opheim is $1023 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $617, making it a popular choice for budget-conscious drivers. Rates in Opheim 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 Opheim

$1023

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Opheim

1st place: USAA

At $617 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 $652 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $920 for six months, making it the third cheapest auto insurance company in Opheim.

Opheim Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Opheim, MT is USAA, offering policies at just $617 for a six-month term. This is followed by State Farm, which has an average six-month premium of $652.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Opheim drivers find the best deals.

Cheap Car Insurance Companies in Opheim, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$617	$104
State Farm	$652	$110
Nationwide	$920	$155
Progressive	$1188	$200
Allstate	$1350	$227
Farmers	$1414	$238

Key Takeaways

Way's key takeaways about car insurance in Opheim

The auto insurance costs in Opheim fall around $617 for six months.
The cheapest auto insurance company in Opheim is State Farm.
Teen drivers pay the highest rate in Opheim at $593 per month.

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Cheapest Minimum Liability Car Insurance in Opheim

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 Opheim are given below.

State Farm provides the cheapest minimum car insurance coverage in Opheim. Their Average 6 Month Premium is $111. Allstate is the most expensive at $477 for the same period.

Cheapest Liability Coverage in Opheim, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$111	$19
USAA	$111	$19
Progressive	$233	$39
Farmers	$250	$42
Kemper	$285	$48
Allstate	$477	$79

Cheapest Full Coverage Car Insurance in Opheim

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 Opheim is USAA at $104 per month and $617 for six months.

Cheapest Full Coverage Car Insurance Quotes in Opheim, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$617	$104
State Farm	$652	$110
Nationwide	$920	$155
Progressive	$1188	$200
Allstate	$1350	$227
Farmers	$1414	$238

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Average Car Insurance in Opheim 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 Opheim, MT increasing?

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

Car Insurance Premiums by Age in Opheim

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 Opheim,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Opheim at $58 per month. At $3522 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$349	$58
State Farm	$1112	$187
USAA	$1281	$216
Progressive	$2020	$340
Allstate	$3196	$538
Nationwide	$3417	$581
Farmers	$3522	$593

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 Opheim, Nationwide is the cheapest car insurance provider. At $1135 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 Opheim is Progressive, offering rates of around $2247 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1135	$191
USAA	$1228	$209
Farmers	$1851	$312
State Farm	$1915	$322
Allstate	$2079	$346
Progressive	$2247	$382

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Car Insurance Rates with An Accident in Opheim

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

Cheapest Car Insurance Companies after an At-Fault Accident in Opheim

The cheapest car insurance companies after an at-fault accident in Opheim include State Farm and Kemper, offering $396 and $425, respectively. Nationwide is an expensive provider with an average six-month premium of $2095.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$396	$67
Kemper	$425	$73
USAA	$483	$81
Progressive	$1158	$195
Allstate	$1502	$253
Farmers	$1659	$279
Nationwide	$2095	$349

Opheim Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Opheim MT. For example, the car insurance in Opheim after a DUI increases to $606 for a six month policy. While the rate increases by $99 for a six-month policy in the case of a speeding ticket.

Opheim auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1071	$178
One Med/PIP claim	$1071	$182
Not-at-fault accident	$1095	$182
One comp claim	$1095	$186
Two Med/PIP claims	$1095	$182
Two comp claims	$1117	$190
Child safety restraint	$1170	$195
Driving without lights	$1170	$199
Speeding 6 - 10 MPH over limit	$1170	$195
Failure to show documents	$1176	$200
Failure to wear a seat belt	$1182	$197
Speeding 11 - 15 MPH over limit	$1246	$212
Driving with expired registration	$1251	$209
Cell phone violation	$1263	$215
Failure to stop at a red light	$1263	$211
Failure to yield	$1263	$215
Following too closely	$1263	$211
Illegal turn	$1263	$215
Improper passing	$1263	$211
Texting while driving	$1263	$215
Speeding 16 - 20 MPH over limit	$1269	$212
Driving too slowly	$1275	$217
Wrong way/wrong lane	$1293	$216
Passing school bus	$1321	$224
Speeding in school zone	$1362	$227
In 65 MPH zone	$1368	$232
Speeding 21 - 25 MPH over limit	$1368	$228
Operating a vehicle without permission	$1374	$233
Open container	$1380	$230
At-fault accident - less than $1000	$1392	$236
At-fault accident - $1000-$2000	$1438	$240
At-fault accident - greater than $2000	$1449	$246
Reckless driving	$1560	$260
Driving with a suspended license	$1578	$269
Refusal to submit to a chemical test	$1601	$267
DUI	$1677	$285
Racing	$1740	$290
Leaving scene of an accident/hit and run	$1758	$299

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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 Opheim 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 Opheim.

The cheapest car insurance premiums in Opheim are offered by Kemper at $297 for a six-month policy. However, it can be as expensive as $2812 with companies like Nationwide.

Opheim car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$297	$50
State Farm	$652	$110
USAA	$891	$150
Progressive	$903	$152
Farmers	$1595	$269
Allstate	$1881	$317
Nationwide	$2812	$478

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 Opheim are offered by State Farm at $414. However, it can be as expensive as $1887 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Opheim after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$414	$70
USAA	$792	$134
Allstate	$1485	$247
Farmers	$1496	$252
Nationwide	$1746	$291
Progressive	$1887	$320

Car Insurance Price Trends in Opheim, Montana

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

The average cost of full coverage in the Opheim remained steady at $221 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Opheim remained steady at $30 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 Opheim?

The car insurance in Opheim is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Opheim?

The cheapest car insurance in Opheim is $104 per month for full coverage.

How much is car insurance in Opheim for teenagers?

Car insurance for teenagers costs $349 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 Opheim?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $172 per month to insure your car in Opheim.

Is car insurance expensive in Opheim?

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

What is the best car insurance in Opheim, MT?

The best car insurance company in Opheim MT is USAA, offering $617 for a six-month policy.