Cheapest Car Insurance Quotes in Sunburst

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399,755 Policies Sold

Sunburst 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 Sunburst

The car insurance rate in Sunburst is $1005 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $624, making it a popular choice for budget-conscious drivers. Rates in Sunburst 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 Sunburst

$1005

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Sunburst

1st place: State Farm

At $624 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 $630 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $800 for six months, making it the third cheapest auto insurance company in Sunburst.

Sunburst Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sunburst, MT is State Farm, offering policies at just $624 for a six-month term. This is followed by USAA, which has an average six-month premium of $630.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1442 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunburst drivers find the best deals.

Cheap Car Insurance Companies in Sunburst, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$624	$105
USAA	$630	$106
Nationwide	$800	$135
Progressive	$1163	$196
Allstate	$1369	$231
Farmers	$1442	$243

Key Takeaways

Way's key takeaways about car insurance in Sunburst

The auto insurance costs in Sunburst fall around $624 for six months.
The cheapest auto insurance company in Sunburst is USAA.
Teen drivers pay the highest rate in Sunburst at $590 per month.

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Cheapest Minimum Liability Car Insurance in Sunburst

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 Sunburst are given below.

USAA provides the cheapest minimum car insurance coverage in Sunburst. Their Average 6 Month Premium is $109. Allstate is the most expensive at $497 for the same period.

Cheapest Liability Coverage in Sunburst, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$109	$18
State Farm	$115	$19
Progressive	$266	$45
Kemper	$297	$50
Farmers	$346	$58
Allstate	$497	$83

Cheapest Full Coverage Car Insurance in Sunburst

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 Sunburst is State Farm at $105 per month and $624 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunburst, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$624	$105
USAA	$630	$106
Nationwide	$800	$135
Progressive	$1163	$196
Allstate	$1369	$231
Farmers	$1442	$243

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Average Car Insurance in Sunburst 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 Sunburst, MT increasing?

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

Car Insurance Premiums by Age in Sunburst

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 Sunburst,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Sunburst at $60 per month. At $3502 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$363	$60
State Farm	$963	$162
USAA	$1242	$209
Progressive	$1939	$326
Allstate	$3235	$545
Farmers	$3502	$590

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 Sunburst, Nationwide is the cheapest car insurance provider. At $340 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 Sunburst is Allstate, offering rates of around $2018 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$340	$56
USAA	$1145	$195
State Farm	$1272	$214
Farmers	$1745	$294
Progressive	$1970	$328
Allstate	$2018	$343

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Car Insurance Rates with An Accident in Sunburst

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

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

The cheapest car insurance companies after an at-fault accident in Sunburst include State Farm and Kemper, offering $369 and $443, respectively. Farmers is an expensive provider with an average six-month premium of $1678.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$369	$62
Kemper	$443	$75
USAA	$478	$81
Progressive	$1115	$188
Allstate	$1515	$255
Farmers	$1678	$283

Sunburst Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sunburst MT. For example, the car insurance in Sunburst after a DUI increases to $630 for a six month policy. While the rate increases by $103 for a six-month policy in the case of a speeding ticket.

Sunburst auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1115	$186
One Med/PIP claim	$1115	$190
Not-at-fault accident	$1139	$190
One comp claim	$1139	$194
Two Med/PIP claims	$1139	$190
Two comp claims	$1163	$198
Child safety restraint	$1218	$203
Driving without lights	$1218	$207
Speeding 6 - 10 MPH over limit	$1218	$203
Failure to show documents	$1224	$208
Failure to wear a seat belt	$1230	$205
Speeding 11 - 15 MPH over limit	$1296	$220
Driving with expired registration	$1303	$217
Cell phone violation	$1315	$223
Failure to stop at a red light	$1315	$219
Failure to yield	$1315	$223
Following too closely	$1315	$219
Illegal turn	$1315	$223
Improper passing	$1315	$219
Texting while driving	$1315	$223
Speeding 16 - 20 MPH over limit	$1321	$220
Driving too slowly	$1327	$225
Wrong way/wrong lane	$1345	$224
Passing school bus	$1375	$234
Speeding in school zone	$1418	$237
In 65 MPH zone	$1424	$242
Speeding 21 - 25 MPH over limit	$1424	$238
Operating a vehicle without permission	$1430	$243
Open container	$1436	$240
At-fault accident - less than $1000	$1448	$246
At-fault accident - $1000-$2000	$1496	$250
At-fault accident - greater than $2000	$1509	$256
Reckless driving	$1624	$270
Driving with a suspended license	$1642	$279
Refusal to submit to a chemical test	$1667	$277
DUI	$1745	$297
Racing	$1812	$302
Leaving scene of an accident/hit and run	$1830	$311

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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 Sunburst 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 Sunburst.

The cheapest car insurance premiums in Sunburst are offered by Kemper at $309 for a six-month policy. However, it can be as expensive as $1884 with companies like Allstate.

Sunburst car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$309	$52
State Farm	$552	$93
Progressive	$866	$146
USAA	$878	$148
Farmers	$1618	$272
Allstate	$1884	$317

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 Sunburst are offered by State Farm at $291. However, it can be as expensive as $1654 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Sunburst after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$291	$49
USAA	$733	$122
Allstate	$1442	$245
Farmers	$1490	$251
Progressive	$1654	$282

Car Insurance Price Trends in Sunburst, Montana

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

The average cost of full coverage in the Sunburst remained steady at $202 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sunburst remained steady at $37 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 Sunburst?

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

What is the cheapest car insurance in Sunburst?

The cheapest car insurance in Sunburst is $105 per month for full coverage.

How much is car insurance in Sunburst for teenagers?

Car insurance for teenagers costs $363 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 Sunburst?

The average cost of car insurance is $985 for a six-month policy. It will cost around $168 per month to insure your car in Sunburst.

Is car insurance expensive in Sunburst?

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

What is the best car insurance in Sunburst, MT?

The best car insurance company in Sunburst MT is State Farm, offering $624 for a six-month policy.