Cheapest Car Insurance Quotes in Sun Prairie

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Sun Prairie 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 Sun Prairie

The car insurance rate in Sun Prairie is $992 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $599, 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

$992

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Sun Prairie

1st place: USAA

At $599 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 $632 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $892 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 USAA, offering policies at just $599 for a six-month term. This is followed by State Farm, which has an average six-month premium of $632.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1371 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
USAA	$599	$101
State Farm	$632	$106
Nationwide	$892	$150
Progressive	$1151	$194
Allstate	$1309	$220
Farmers	$1371	$231

Key Takeaways

Way's key takeaways about car insurance in Sun Prairie

The auto insurance costs in Sun Prairie fall around $599 for six months.
The cheapest auto insurance company in Sun Prairie is State Farm.
Teen drivers pay the highest rate in Sun Prairie at $575 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.

State Farm provides the cheapest minimum car insurance coverage in Sun Prairie. Their Average 6 Month Premium is $107. Allstate is the most expensive at $463 for the same period.

Cheapest Liability Coverage in Sun Prairie, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$107	$18
USAA	$107	$18
Progressive	$226	$38
Farmers	$242	$41
Kemper	$276	$47
Allstate	$463	$77

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 USAA at $101 per month and $599 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun Prairie, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$599	$101
State Farm	$632	$106
Nationwide	$892	$150
Progressive	$1151	$194
Allstate	$1309	$220
Farmers	$1371	$231

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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 $56 per month. At $3414 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$338	$56
State Farm	$1078	$181
USAA	$1242	$209
Progressive	$1958	$330
Allstate	$3098	$522
Nationwide	$3313	$563
Farmers	$3414	$575

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 $1100 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 Progressive, offering rates of around $2178 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1100	$185
USAA	$1190	$202
Farmers	$1795	$302
State Farm	$1856	$313
Allstate	$2015	$335
Progressive	$2178	$371

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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 $384 and $412, respectively. Nationwide is an expensive provider with an average six-month premium of $2031.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$384	$65
Kemper	$412	$70
USAA	$468	$79
Progressive	$1123	$189
Allstate	$1456	$245
Farmers	$1608	$271
Nationwide	$2031	$338

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 $587 for a six month policy. While the rate increases by $96 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	$1038	$173
One Med/PIP claim	$1038	$177
Not-at-fault accident	$1061	$177
One comp claim	$1061	$181
Two Med/PIP claims	$1061	$177
Two comp claims	$1083	$184
Child safety restraint	$1134	$189
Driving without lights	$1134	$193
Speeding 6 - 10 MPH over limit	$1134	$189
Failure to show documents	$1140	$194
Failure to wear a seat belt	$1146	$191
Speeding 11 - 15 MPH over limit	$1207	$205
Driving with expired registration	$1213	$202
Cell phone violation	$1225	$208
Failure to stop at a red light	$1225	$204
Failure to yield	$1225	$208
Following too closely	$1225	$204
Illegal turn	$1225	$208
Improper passing	$1225	$204
Texting while driving	$1225	$208
Speeding 16 - 20 MPH over limit	$1230	$205
Driving too slowly	$1236	$210
Wrong way/wrong lane	$1253	$209
Passing school bus	$1281	$218
Speeding in school zone	$1321	$220
In 65 MPH zone	$1326	$225
Speeding 21 - 25 MPH over limit	$1326	$221
Operating a vehicle without permission	$1332	$226
Open container	$1338	$223
At-fault accident - less than $1000	$1349	$229
At-fault accident - $1000-$2000	$1394	$233
At-fault accident - greater than $2000	$1405	$238
Reckless driving	$1512	$252
Driving with a suspended license	$1530	$260
Refusal to submit to a chemical test	$1552	$258
DUI	$1625	$276
Racing	$1687	$281
Leaving scene of an accident/hit and run	$1704	$290

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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 $288 for a six-month policy. However, it can be as expensive as $2726 with companies like Nationwide.

Sun Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$288	$48
State Farm	$632	$106
USAA	$864	$145
Progressive	$875	$147
Farmers	$1547	$260
Allstate	$1823	$307
Nationwide	$2726	$464

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 $401. However, it can be as expensive as $1829 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	$401	$67
USAA	$768	$130
Allstate	$1439	$239
Farmers	$1451	$244
Nationwide	$1693	$282
Progressive	$1829	$311

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 $215 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Sun Prairie remained steady at $29 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 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 $338 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 $1044 for a six-month policy. It will cost around $166 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 USAA, offering $599 for a six-month policy.