Cheapest Car Insurance Quotes in Sun River

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408,850 Policies Sold

Sun River 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 River

The car insurance rate in Sun River is $1002 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $605, making it a popular choice for budget-conscious drivers. Rates in Sun River 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 River

$1002

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Sun River

1st place: USAA

At $605 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 $638 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $901 for six months, making it the third cheapest auto insurance company in Sun River.

Sun River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun River, MT is USAA, offering policies at just $605 for a six-month term. This is followed by State Farm, which has an average six-month premium of $638.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1385 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun River drivers find the best deals.

Cheap Car Insurance Companies in Sun River, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$605	$102
State Farm	$638	$108
Nationwide	$901	$152
Progressive	$1164	$196
Allstate	$1323	$223
Farmers	$1385	$233

Key Takeaways

Way's key takeaways about car insurance in Sun River

The auto insurance costs in Sun River fall around $605 for six months.
The cheapest auto insurance company in Sun River is State Farm.
Teen drivers pay the highest rate in Sun River at $581 per month.

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Cheapest Minimum Liability Car Insurance in Sun River

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 River are given below.

State Farm provides the cheapest minimum car insurance coverage in Sun River. Their Average 6 Month Premium is $108. Allstate is the most expensive at $468 for the same period.

Cheapest Liability Coverage in Sun River, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$108	$18
USAA	$108	$18
Progressive	$228	$38
Farmers	$245	$41
Kemper	$279	$47
Allstate	$468	$78

Cheapest Full Coverage Car Insurance in Sun River

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 River is USAA at $102 per month and $605 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun River, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$605	$102
State Farm	$638	$108
Nationwide	$901	$152
Progressive	$1164	$196
Allstate	$1323	$223
Farmers	$1385	$233

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Average Car Insurance in Sun River 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 River, MT increasing?

Despite maintaining a clean driving record, your car insurance rates in Sun River, 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 River'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 River

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 River,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Sun River at $57 per month. At $3450 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$342	$57
State Farm	$1090	$183
USAA	$1255	$211
Progressive	$1979	$333
Allstate	$3131	$527
Nationwide	$3348	$569
Farmers	$3450	$581

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 River, Nationwide is the cheapest car insurance provider. At $1112 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 River is Progressive, offering rates of around $2201 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1112	$187
USAA	$1203	$204
Farmers	$1813	$305
State Farm	$1876	$316
Allstate	$2036	$339
Progressive	$2201	$374

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Car Insurance Rates with An Accident in Sun River

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

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

The cheapest car insurance companies after an at-fault accident in Sun River include State Farm and Kemper, offering $388 and $417, respectively. Nationwide is an expensive provider with an average six-month premium of $2052.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$388	$65
Kemper	$417	$71
USAA	$473	$80
Progressive	$1135	$191
Allstate	$1472	$248
Farmers	$1625	$274
Nationwide	$2052	$342

Sun River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun River MT. For example, the car insurance in Sun River after a DUI increases to $594 for a six month policy. While the rate increases by $97 for a six-month policy in the case of a speeding ticket.

Sun River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1049	$175
One Med/PIP claim	$1049	$179
Not-at-fault accident	$1072	$179
One comp claim	$1072	$182
Two Med/PIP claims	$1072	$179
Two comp claims	$1094	$186
Child safety restraint	$1146	$191
Driving without lights	$1146	$195
Speeding 6 - 10 MPH over limit	$1146	$191
Failure to show documents	$1152	$196
Failure to wear a seat belt	$1158	$193
Speeding 11 - 15 MPH over limit	$1220	$207
Driving with expired registration	$1226	$204
Cell phone violation	$1237	$210
Failure to stop at a red light	$1237	$206
Failure to yield	$1237	$210
Following too closely	$1237	$206
Illegal turn	$1237	$210
Improper passing	$1237	$206
Texting while driving	$1237	$210
Speeding 16 - 20 MPH over limit	$1243	$207
Driving too slowly	$1249	$212
Wrong way/wrong lane	$1266	$211
Passing school bus	$1294	$220
Speeding in school zone	$1334	$223
In 65 MPH zone	$1340	$228
Speeding 21 - 25 MPH over limit	$1340	$224
Operating a vehicle without permission	$1346	$228
Open container	$1352	$226
At-fault accident - less than $1000	$1363	$231
At-fault accident - $1000-$2000	$1408	$235
At-fault accident - greater than $2000	$1420	$241
Reckless driving	$1528	$254
Driving with a suspended license	$1546	$263
Refusal to submit to a chemical test	$1569	$261
DUI	$1643	$279
Racing	$1705	$284
Leaving scene of an accident/hit and run	$1722	$293

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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 River 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 River.

The cheapest car insurance premiums in Sun River are offered by Kemper at $291 for a six-month policy. However, it can be as expensive as $2754 with companies like Nationwide.

Sun River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$291	$49
State Farm	$638	$108
USAA	$873	$147
Progressive	$884	$149
Farmers	$1563	$263
Allstate	$1842	$310
Nationwide	$2754	$468

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 River are offered by State Farm at $405. However, it can be as expensive as $1848 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Sun River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$405	$68
USAA	$776	$132
Allstate	$1454	$242
Farmers	$1466	$247
Nationwide	$1711	$285
Progressive	$1848	$314

Car Insurance Price Trends in Sun River, Montana

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

The average cost of full coverage in the Sun River remained steady at $217 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Sun River remained steady at $30 in both February and January, indicating no change over the two month period.

Our Insurance Agent Experts

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Frequently Asked Questions

How much is car insurance in Sun River?

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

What is the cheapest car insurance in Sun River?

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

How much is car insurance in Sun River for teenagers?

Car insurance for teenagers costs $342 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 River?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $168 per month to insure your car in Sun River.

Is car insurance expensive in Sun River?

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

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

The best car insurance company in Sun River MT is USAA, offering $605 for a six-month policy.