Cheapest Car Insurance Quotes in Pendroy

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Pendroy Car Insurance

^$ 18

/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 Pendroy

The car insurance rate in Pendroy is $975 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $606, making it a popular choice for budget-conscious drivers. Rates in Pendroy 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 Pendroy

$975

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Pendroy

1st place: State Farm

At $606 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 $612 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $776 for six months, making it the third cheapest auto insurance company in Pendroy.

Pendroy Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pendroy, MT is State Farm, offering policies at just $606 for a six-month term. This is followed by USAA, which has an average six-month premium of $612.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1400 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pendroy drivers find the best deals.

Cheap Car Insurance Companies in Pendroy, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$606	$102
USAA	$612	$103
Nationwide	$776	$131
Progressive	$1129	$190
Allstate	$1329	$224
Farmers	$1400	$236

Key Takeaways

Way's key takeaways about car insurance in Pendroy

The auto insurance costs in Pendroy fall around $606 for six months.
The cheapest auto insurance company in Pendroy is USAA.
Teen drivers pay the highest rate in Pendroy at $572 per month.

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Cheapest Minimum Liability Car Insurance in Pendroy

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 Pendroy are given below.

USAA provides the cheapest minimum car insurance coverage in Pendroy. Their Average 6 Month Premium is $106. Allstate is the most expensive at $482 for the same period.

Cheapest Liability Coverage in Pendroy, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$106	$18
State Farm	$112	$19
Progressive	$258	$44
Kemper	$288	$49
Farmers	$336	$56
Allstate	$482	$80

Cheapest Full Coverage Car Insurance in Pendroy

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 Pendroy is State Farm at $102 per month and $606 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pendroy, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$606	$102
USAA	$612	$103
Nationwide	$776	$131
Progressive	$1129	$190
Allstate	$1329	$224
Farmers	$1400	$236

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Average Car Insurance in Pendroy 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 Pendroy, MT increasing?

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

Car Insurance Premiums by Age in Pendroy

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 Pendroy,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Pendroy at $58 per month. At $3399 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$352	$58
State Farm	$935	$157
USAA	$1206	$203
Progressive	$1882	$317
Allstate	$3140	$529
Farmers	$3399	$572

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 Pendroy, Nationwide is the cheapest car insurance provider. At $330 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 Pendroy is Allstate, offering rates of around $1958 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$330	$54
USAA	$1112	$189
State Farm	$1235	$208
Farmers	$1694	$285
Progressive	$1912	$319
Allstate	$1958	$333

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Car Insurance Rates with An Accident in Pendroy

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

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

The cheapest car insurance companies after an at-fault accident in Pendroy include State Farm and Kemper, offering $358 and $430, respectively. Farmers is an expensive provider with an average six-month premium of $1629.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$358	$60
Kemper	$430	$73
USAA	$464	$78
Progressive	$1082	$182
Allstate	$1470	$248
Farmers	$1629	$274

Pendroy Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pendroy MT. For example, the car insurance in Pendroy after a DUI increases to $612 for a six month policy. While the rate increases by $100 for a six-month policy in the case of a speeding ticket.

Pendroy auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1082	$180
One Med/PIP claim	$1082	$184
Not-at-fault accident	$1106	$184
One comp claim	$1106	$188
Two Med/PIP claims	$1106	$184
Two comp claims	$1129	$192
Child safety restraint	$1182	$197
Driving without lights	$1182	$201
Speeding 6 - 10 MPH over limit	$1182	$197
Failure to show documents	$1188	$202
Failure to wear a seat belt	$1194	$199
Speeding 11 - 15 MPH over limit	$1258	$214
Driving with expired registration	$1264	$211
Cell phone violation	$1276	$217
Failure to stop at a red light	$1276	$213
Failure to yield	$1276	$217
Following too closely	$1276	$213
Illegal turn	$1276	$217
Improper passing	$1276	$213
Texting while driving	$1276	$217
Speeding 16 - 20 MPH over limit	$1282	$214
Driving too slowly	$1288	$219
Wrong way/wrong lane	$1306	$218
Passing school bus	$1335	$227
Speeding in school zone	$1376	$230
In 65 MPH zone	$1382	$235
Speeding 21 - 25 MPH over limit	$1382	$231
Operating a vehicle without permission	$1388	$236
Open container	$1394	$233
At-fault accident - less than $1000	$1406	$239
At-fault accident - $1000-$2000	$1452	$243
At-fault accident - greater than $2000	$1464	$248
Reckless driving	$1576	$262
Driving with a suspended license	$1594	$271
Refusal to submit to a chemical test	$1618	$269
DUI	$1694	$288
Racing	$1758	$293
Leaving scene of an accident/hit and run	$1776	$302

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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 Pendroy 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 Pendroy.

The cheapest car insurance premiums in Pendroy are offered by Kemper at $300 for a six-month policy. However, it can be as expensive as $1829 with companies like Allstate.

Pendroy car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$300	$50
State Farm	$536	$90
Progressive	$841	$142
USAA	$852	$144
Farmers	$1570	$264
Allstate	$1829	$308

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 Pendroy are offered by State Farm at $282. However, it can be as expensive as $1606 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Pendroy after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$282	$48
USAA	$712	$119
Allstate	$1400	$238
Farmers	$1446	$244
Progressive	$1606	$273

Car Insurance Price Trends in Pendroy, Montana

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

The average cost of full coverage in the Pendroy remained steady at $196 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Pendroy remained steady at $36 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 Pendroy?

The car insurance in Pendroy is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Pendroy?

The cheapest car insurance in Pendroy is $102 per month for full coverage.

How much is car insurance in Pendroy for teenagers?

Car insurance for teenagers costs $352 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 Pendroy?

The average cost of car insurance is $985 for a six-month policy. It will cost around $163 per month to insure your car in Pendroy.

Is car insurance expensive in Pendroy?

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

What is the best car insurance in Pendroy, MT?

The best car insurance company in Pendroy MT is State Farm, offering $606 for a six-month policy.