Cheapest Car Insurance Quotes in Orchard Homes

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Orchard Homes 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 Orchard Homes

The car insurance rate in Orchard Homes is $916 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $569, making it a popular choice for budget-conscious drivers. Rates in Orchard Homes 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 Orchard Homes

$916

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Orchard Homes

1st place: State Farm

At $569 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 $575 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $729 for six months, making it the third cheapest auto insurance company in Orchard Homes.

Orchard Homes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orchard Homes, MT is State Farm, offering policies at just $569 for a six-month term. This is followed by USAA, which has an average six-month premium of $575.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1315 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orchard Homes drivers find the best deals.

Cheap Car Insurance Companies in Orchard Homes, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$569	$96
USAA	$575	$97
Nationwide	$729	$123
Progressive	$1060	$179
Allstate	$1248	$210
Farmers	$1315	$221

Key Takeaways

Way's key takeaways about car insurance in Orchard Homes

The auto insurance costs in Orchard Homes fall around $569 for six months.
The cheapest auto insurance company in Orchard Homes is USAA.
Teen drivers pay the highest rate in Orchard Homes at $538 per month.

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Cheapest Minimum Liability Car Insurance in Orchard Homes

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 Orchard Homes are given below.

USAA provides the cheapest minimum car insurance coverage in Orchard Homes. Their Average 6 Month Premium is $100. Allstate is the most expensive at $453 for the same period.

Cheapest Liability Coverage in Orchard Homes, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$100	$17
State Farm	$105	$18
Progressive	$243	$41
Kemper	$271	$46
Farmers	$315	$53
Allstate	$453	$75

Cheapest Full Coverage Car Insurance in Orchard Homes

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 Orchard Homes is State Farm at $96 per month and $569 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orchard Homes, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$569	$96
USAA	$575	$97
Nationwide	$729	$123
Progressive	$1060	$179
Allstate	$1248	$210
Farmers	$1315	$221

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Average Car Insurance in Orchard Homes 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 Orchard Homes, MT increasing?

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

Car Insurance Premiums by Age in Orchard Homes

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 Orchard Homes,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Orchard Homes at $55 per month. At $3193 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$331	$55
State Farm	$878	$148
USAA	$1133	$191
Progressive	$1768	$298
Allstate	$2950	$497
Farmers	$3193	$538

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 Orchard Homes, Nationwide is the cheapest car insurance provider. At $310 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 Orchard Homes is Allstate, offering rates of around $1840 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$310	$51
USAA	$1044	$178
State Farm	$1160	$195
Farmers	$1591	$268
Progressive	$1796	$299
Allstate	$1840	$312

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Car Insurance Rates with An Accident in Orchard Homes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Orchard Homes

The cheapest car insurance companies after an at-fault accident in Orchard Homes include State Farm and Kemper, offering $337 and $404, respectively. Farmers is an expensive provider with an average six-month premium of $1530.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$337	$57
Kemper	$404	$69
USAA	$436	$73
Progressive	$1016	$171
Allstate	$1381	$233
Farmers	$1530	$258

Orchard Homes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orchard Homes MT. For example, the car insurance in Orchard Homes after a DUI increases to $575 for a six month policy. While the rate increases by $94 for a six-month policy in the case of a speeding ticket.

Orchard Homes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1016	$169
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1039	$173
One comp claim	$1039	$177
Two Med/PIP claims	$1039	$173
Two comp claims	$1060	$180
Child safety restraint	$1110	$185
Driving without lights	$1110	$189
Speeding 6 - 10 MPH over limit	$1110	$185
Failure to show documents	$1116	$190
Failure to wear a seat belt	$1122	$187
Speeding 11 - 15 MPH over limit	$1182	$201
Driving with expired registration	$1188	$198
Cell phone violation	$1199	$204
Failure to stop at a red light	$1199	$200
Failure to yield	$1199	$204
Following too closely	$1199	$200
Illegal turn	$1199	$204
Improper passing	$1199	$200
Texting while driving	$1199	$204
Speeding 16 - 20 MPH over limit	$1204	$201
Driving too slowly	$1210	$206
Wrong way/wrong lane	$1227	$205
Passing school bus	$1254	$213
Speeding in school zone	$1293	$216
In 65 MPH zone	$1298	$220
Speeding 21 - 25 MPH over limit	$1298	$217
Operating a vehicle without permission	$1304	$221
Open container	$1309	$219
At-fault accident - less than $1000	$1321	$224
At-fault accident - $1000-$2000	$1364	$228
At-fault accident - greater than $2000	$1375	$233
Reckless driving	$1481	$246
Driving with a suspended license	$1497	$255
Refusal to submit to a chemical test	$1520	$253
DUI	$1591	$271
Racing	$1652	$275
Leaving scene of an accident/hit and run	$1668	$284

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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 Orchard Homes 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 Orchard Homes.

The cheapest car insurance premiums in Orchard Homes are offered by Kemper at $282 for a six-month policy. However, it can be as expensive as $1718 with companies like Allstate.

Orchard Homes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$282	$47
State Farm	$503	$85
Progressive	$790	$133
USAA	$801	$135
Farmers	$1475	$248
Allstate	$1718	$289

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 Orchard Homes are offered by State Farm at $265. However, it can be as expensive as $1508 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Orchard Homes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$265	$45
USAA	$669	$112
Allstate	$1315	$223
Farmers	$1359	$229
Progressive	$1508	$257

Car Insurance Price Trends in Orchard Homes, Montana

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

The average cost of full coverage in the Orchard Homes remained steady at $184 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Orchard Homes remained steady at $33 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 Orchard Homes?

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

What is the cheapest car insurance in Orchard Homes?

The cheapest car insurance in Orchard Homes is $96 per month for full coverage.

How much is car insurance in Orchard Homes for teenagers?

Car insurance for teenagers costs $331 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 Orchard Homes?

The average cost of car insurance is $985 for a six-month policy. It will cost around $153 per month to insure your car in Orchard Homes.

Is car insurance expensive in Orchard Homes?

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

What is the best car insurance in Orchard Homes, MT?

The best car insurance company in Orchard Homes MT is State Farm, offering $569 for a six-month policy.