Cheapest Car Insurance Quotes in Sun Prairie

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Sun Prairie Car Insurance

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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 Sun Prairie

The car insurance rate in Sun Prairie is $965 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $600, making it a popular choice for budget-conscious drivers. Rates in Sun Prairie 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 Sun Prairie

$965

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Sun Prairie

1st place: State Farm

At $600 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 $606 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $768 for six months, making it the third cheapest auto insurance company in Sun Prairie.

Sun Prairie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun Prairie, MT is State Farm, offering policies at just $600 for a six-month term. This is followed by USAA, which has an average six-month premium of $606.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1386 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun Prairie drivers find the best deals.

Cheap Car Insurance Companies in Sun Prairie, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$600	$101
USAA	$606	$102
Nationwide	$768	$129
Progressive	$1117	$188
Allstate	$1315	$221
Farmers	$1386	$233

Key Takeaways

Way's key takeaways about car insurance in Sun Prairie

The auto insurance costs in Sun Prairie fall around $600 for six months.
The cheapest auto insurance company in Sun Prairie is USAA.
Teen drivers pay the highest rate in Sun Prairie at $566 per month.

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Cheapest Minimum Liability Car Insurance in Sun Prairie

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 Sun Prairie are given below.

USAA provides the cheapest minimum car insurance coverage in Sun Prairie. Their Average 6 Month Premium is $105. Allstate is the most expensive at $477 for the same period.

Cheapest Liability Coverage in Sun Prairie, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$105	$18
State Farm	$111	$19
Progressive	$256	$43
Kemper	$285	$48
Farmers	$332	$56
Allstate	$477	$79

Cheapest Full Coverage Car Insurance in Sun Prairie

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 Sun Prairie is State Farm at $101 per month and $600 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun Prairie, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$600	$101
USAA	$606	$102
Nationwide	$768	$129
Progressive	$1117	$188
Allstate	$1315	$221
Farmers	$1386	$233

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Average Car Insurance in Sun Prairie 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 Sun Prairie, MT increasing?

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

Car Insurance Premiums by Age in Sun Prairie

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 Sun Prairie,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Sun Prairie at $58 per month. At $3364 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	$925	$156
USAA	$1194	$201
Progressive	$1863	$314
Allstate	$3109	$523
Farmers	$3364	$566

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 Sun Prairie, Nationwide is the cheapest car insurance provider. At $326 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 Sun Prairie is Allstate, offering rates of around $1938 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$326	$54
USAA	$1101	$187
State Farm	$1222	$206
Farmers	$1677	$282
Progressive	$1892	$316
Allstate	$1938	$329

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Car Insurance Rates with An Accident in Sun Prairie

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sun Prairie

The cheapest car insurance companies after an at-fault accident in Sun Prairie include State Farm and Kemper, offering $355 and $425, respectively. Farmers is an expensive provider with an average six-month premium of $1612.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$355	$60
Kemper	$425	$73
USAA	$460	$77
Progressive	$1071	$180
Allstate	$1455	$245
Farmers	$1612	$271

Sun Prairie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun Prairie MT. For example, the car insurance in Sun Prairie 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.

Sun Prairie 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 Sun Prairie 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 Sun Prairie.

The cheapest car insurance premiums in Sun Prairie are offered by Kemper at $297 for a six-month policy. However, it can be as expensive as $1810 with companies like Allstate.

Sun Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$297	$50
State Farm	$530	$89
Progressive	$832	$140
USAA	$844	$142
Farmers	$1554	$262
Allstate	$1810	$305

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 Sun Prairie are offered by State Farm at $279. However, it can be as expensive as $1590 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Sun Prairie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$279	$47
USAA	$705	$118
Allstate	$1386	$235
Farmers	$1432	$241
Progressive	$1590	$270

Car Insurance Price Trends in Sun Prairie, Montana

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

The average cost of full coverage in the Sun Prairie remained steady at $194 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sun Prairie 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 Sun Prairie?

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

What is the cheapest car insurance in Sun Prairie?

The cheapest car insurance in Sun Prairie is $101 per month for full coverage.

How much is car insurance in Sun Prairie 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 Sun Prairie?

The average cost of car insurance is $985 for a six-month policy. It will cost around $162 per month to insure your car in Sun Prairie.

Is car insurance expensive in Sun Prairie?

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

What is the best car insurance in Sun Prairie, MT?

The best car insurance company in Sun Prairie MT is State Farm, offering $600 for a six-month policy.