Cheapest Car Insurance Quotes in White Haven

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White Haven Car Insurance

^$ 19

/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 White Haven

The car insurance rate in White Haven is $1034 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $643, making it a popular choice for budget-conscious drivers. Rates in White Haven 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 White Haven

$1034

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in White Haven

1st place: State Farm

At $643 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 $649 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $823 for six months, making it the third cheapest auto insurance company in White Haven.

White Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Haven, MT is State Farm, offering policies at just $643 for a six-month term. This is followed by USAA, which has an average six-month premium of $649.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1485 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Haven drivers find the best deals.

Cheap Car Insurance Companies in White Haven, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$643	$108
USAA	$649	$109
Nationwide	$823	$139
Progressive	$1197	$202
Allstate	$1409	$237
Farmers	$1485	$250

Key Takeaways

Way's key takeaways about car insurance in White Haven

The auto insurance costs in White Haven fall around $643 for six months.
The cheapest auto insurance company in White Haven is USAA.
Teen drivers pay the highest rate in White Haven at $607 per month.

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Cheapest Minimum Liability Car Insurance in White Haven

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 White Haven are given below.

USAA provides the cheapest minimum car insurance coverage in White Haven. Their Average 6 Month Premium is $112. Allstate is the most expensive at $511 for the same period.

Cheapest Liability Coverage in White Haven, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$112	$19
State Farm	$119	$20
Progressive	$274	$46
Kemper	$306	$51
Farmers	$356	$60
Allstate	$511	$85

Cheapest Full Coverage Car Insurance in White Haven

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 White Haven is State Farm at $108 per month and $643 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Haven, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$643	$108
USAA	$649	$109
Nationwide	$823	$139
Progressive	$1197	$202
Allstate	$1409	$237
Farmers	$1485	$250

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Average Car Insurance in White Haven 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 White Haven, MT increasing?

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

Car Insurance Premiums by Age in White Haven

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 White Haven,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the White Haven at $62 per month. At $3605 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$374	$62
State Farm	$991	$167
USAA	$1279	$215
Progressive	$1996	$336
Allstate	$3331	$561
Farmers	$3605	$607

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 White Haven, Nationwide is the cheapest car insurance provider. At $350 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 White Haven is Allstate, offering rates of around $2077 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$350	$58
USAA	$1179	$201
State Farm	$1309	$221
Farmers	$1797	$302
Progressive	$2028	$338
Allstate	$2077	$353

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Car Insurance Rates with An Accident in White Haven

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

Cheapest Car Insurance Companies after an At-Fault Accident in White Haven

The cheapest car insurance companies after an at-fault accident in White Haven include State Farm and Kemper, offering $380 and $456, respectively. Farmers is an expensive provider with an average six-month premium of $1727.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$380	$64
Kemper	$456	$78
USAA	$492	$83
Progressive	$1148	$193
Allstate	$1559	$263
Farmers	$1727	$291

White Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Haven MT. For example, the car insurance in White Haven after a DUI increases to $649 for a six month policy. While the rate increases by $106 for a six-month policy in the case of a speeding ticket.

White Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1148	$191
One Med/PIP claim	$1148	$195
Not-at-fault accident	$1173	$195
One comp claim	$1173	$200
Two Med/PIP claims	$1173	$195
Two comp claims	$1197	$204
Child safety restraint	$1254	$209
Driving without lights	$1254	$213
Speeding 6 - 10 MPH over limit	$1254	$209
Failure to show documents	$1260	$214
Failure to wear a seat belt	$1266	$211
Speeding 11 - 15 MPH over limit	$1335	$227
Driving with expired registration	$1341	$224
Cell phone violation	$1353	$230
Failure to stop at a red light	$1353	$226
Failure to yield	$1353	$230
Following too closely	$1353	$226
Illegal turn	$1353	$230
Improper passing	$1353	$226
Texting while driving	$1353	$230
Speeding 16 - 20 MPH over limit	$1360	$227
Driving too slowly	$1366	$232
Wrong way/wrong lane	$1385	$231
Passing school bus	$1415	$240
Speeding in school zone	$1460	$244
In 65 MPH zone	$1466	$249
Speeding 21 - 25 MPH over limit	$1466	$245
Operating a vehicle without permission	$1472	$250
Open container	$1478	$247
At-fault accident - less than $1000	$1491	$253
At-fault accident - $1000-$2000	$1540	$257
At-fault accident - greater than $2000	$1553	$264
Reckless driving	$1672	$278
Driving with a suspended license	$1691	$288
Refusal to submit to a chemical test	$1716	$286
DUI	$1797	$306
Racing	$1865	$311
Leaving scene of an accident/hit and run	$1884	$320

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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 White Haven 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 White Haven.

The cheapest car insurance premiums in White Haven are offered by Kemper at $318 for a six-month policy. However, it can be as expensive as $1939 with companies like Allstate.

White Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$318	$54
State Farm	$568	$96
Progressive	$891	$150
USAA	$904	$152
Farmers	$1665	$280
Allstate	$1939	$327

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 White Haven are offered by State Farm at $299. However, it can be as expensive as $1703 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in White Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$299	$50
USAA	$755	$126
Allstate	$1485	$252
Farmers	$1534	$258
Progressive	$1703	$290

Car Insurance Price Trends in White Haven, Montana

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

The average cost of full coverage in the White Haven remained steady at $208 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the White Haven remained steady at $38 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 White Haven?

The car insurance in White Haven is $19 per month, which is lower than the national average.

What is the cheapest car insurance in White Haven?

The cheapest car insurance in White Haven is $108 per month for full coverage.

How much is car insurance in White Haven for teenagers?

Car insurance for teenagers costs $374 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 White Haven?

The average cost of car insurance is $985 for a six-month policy. It will cost around $173 per month to insure your car in White Haven.

Is car insurance expensive in White Haven?

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

What is the best car insurance in White Haven, MT?

The best car insurance company in White Haven MT is State Farm, offering $643 for a six-month policy.