Cheapest Car Insurance Quotes in Red Lodge

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Red Lodge Car Insurance

^$ 20

/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 Red Lodge

The car insurance rate in Red Lodge is $1086 for a six-month policy, which is $42 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $655, making it a popular choice for budget-conscious drivers. Rates in Red Lodge 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 Red Lodge

$1086

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Red Lodge

1st place: USAA

At $655 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 $692 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $977 for six months, making it the third cheapest auto insurance company in Red Lodge.

Red Lodge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Lodge, MT is USAA, offering policies at just $655 for a six-month term. This is followed by State Farm, which has an average six-month premium of $692.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1501 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Lodge drivers find the best deals.

Cheap Car Insurance Companies in Red Lodge, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$655	$110
State Farm	$692	$116
Nationwide	$977	$164
Progressive	$1260	$212
Allstate	$1433	$241
Farmers	$1501	$253

Key Takeaways

Way's key takeaways about car insurance in Red Lodge

The auto insurance costs in Red Lodge fall around $655 for six months.
The cheapest auto insurance company in Red Lodge is State Farm.
Teen drivers pay the highest rate in Red Lodge at $629 per month.

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Cheapest Minimum Liability Car Insurance in Red Lodge

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 Red Lodge are given below.

State Farm provides the cheapest minimum car insurance coverage in Red Lodge. Their Average 6 Month Premium is $118. Allstate is the most expensive at $506 for the same period.

Cheapest Liability Coverage in Red Lodge, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$118	$20
USAA	$118	$20
Progressive	$248	$42
Farmers	$265	$45
Kemper	$303	$51
Allstate	$506	$84

Cheapest Full Coverage Car Insurance in Red Lodge

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 Red Lodge is USAA at $110 per month and $655 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Lodge, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$655	$110
State Farm	$692	$116
Nationwide	$977	$164
Progressive	$1260	$212
Allstate	$1433	$241
Farmers	$1501	$253

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Average Car Insurance in Red Lodge 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 Red Lodge, MT increasing?

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

Car Insurance Premiums by Age in Red Lodge

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 Red Lodge,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Red Lodge at $61 per month. At $3738 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$370	$61
State Farm	$1180	$199
USAA	$1359	$229
Progressive	$2143	$361
Allstate	$3391	$571
Nationwide	$3626	$617
Farmers	$3738	$629

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 Red Lodge, Nationwide is the cheapest car insurance provider. At $1204 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 Red Lodge is Progressive, offering rates of around $2385 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1204	$203
USAA	$1303	$222
Farmers	$1965	$331
State Farm	$2032	$342
Allstate	$2206	$367
Progressive	$2385	$406

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Car Insurance Rates with An Accident in Red Lodge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Red Lodge

The cheapest car insurance companies after an at-fault accident in Red Lodge include State Farm and Kemper, offering $420 and $451, respectively. Nationwide is an expensive provider with an average six-month premium of $2224.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$420	$71
Kemper	$451	$77
USAA	$513	$86
Progressive	$1229	$207
Allstate	$1594	$268
Farmers	$1761	$296
Nationwide	$2224	$370

Red Lodge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Lodge MT. For example, the car insurance in Red Lodge after a DUI increases to $642 for a six month policy. While the rate increases by $105 for a six-month policy in the case of a speeding ticket.

Red Lodge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1137	$189
One Med/PIP claim	$1137	$193
Not-at-fault accident	$1162	$193
One comp claim	$1162	$198
Two Med/PIP claims	$1162	$193
Two comp claims	$1186	$202
Child safety restraint	$1242	$207
Driving without lights	$1242	$211
Speeding 6 - 10 MPH over limit	$1242	$207
Failure to show documents	$1248	$212
Failure to wear a seat belt	$1254	$209
Speeding 11 - 15 MPH over limit	$1322	$225
Driving with expired registration	$1328	$222
Cell phone violation	$1341	$228
Failure to stop at a red light	$1341	$224
Failure to yield	$1341	$228
Following too closely	$1341	$224
Illegal turn	$1341	$228
Improper passing	$1341	$224
Texting while driving	$1341	$228
Speeding 16 - 20 MPH over limit	$1347	$225
Driving too slowly	$1353	$230
Wrong way/wrong lane	$1372	$229
Passing school bus	$1402	$238
Speeding in school zone	$1446	$241
In 65 MPH zone	$1452	$246
Speeding 21 - 25 MPH over limit	$1452	$242
Operating a vehicle without permission	$1458	$248
Open container	$1464	$244
At-fault accident - less than $1000	$1477	$251
At-fault accident - $1000-$2000	$1526	$255
At-fault accident - greater than $2000	$1538	$261
Reckless driving	$1656	$276
Driving with a suspended license	$1674	$285
Refusal to submit to a chemical test	$1699	$283
DUI	$1779	$303
Racing	$1847	$308
Leaving scene of an accident/hit and run	$1866	$317

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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 Red Lodge 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 Red Lodge.

The cheapest car insurance premiums in Red Lodge are offered by Kemper at $315 for a six-month policy. However, it can be as expensive as $2984 with companies like Nationwide.

Red Lodge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$315	$53
State Farm	$692	$116
USAA	$945	$159
Progressive	$958	$161
Farmers	$1693	$285
Allstate	$1996	$336
Nationwide	$2984	$508

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 Red Lodge are offered by State Farm at $439. However, it can be as expensive as $2002 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Red Lodge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$439	$74
USAA	$840	$142
Allstate	$1576	$262
Farmers	$1588	$267
Nationwide	$1853	$309
Progressive	$2002	$340

Car Insurance Price Trends in Red Lodge, Montana

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

The average cost of full coverage in the Red Lodge remained steady at $235 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Red Lodge remained steady at $32 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 Red Lodge?

The car insurance in Red Lodge is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Red Lodge?

The cheapest car insurance in Red Lodge is $110 per month for full coverage.

How much is car insurance in Red Lodge for teenagers?

Car insurance for teenagers costs $370 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 Red Lodge?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $182 per month to insure your car in Red Lodge.

Is car insurance expensive in Red Lodge?

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

What is the best car insurance in Red Lodge, MT?

The best car insurance company in Red Lodge MT is USAA, offering $655 for a six-month policy.