Cheapest Car Insurance Quotes in Montcalm

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Montcalm Car Insurance

^$ 30

/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 Montcalm

The car insurance rate in Montcalm is $989 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $714, making it a popular choice for budget-conscious drivers. Rates in Montcalm 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 Montcalm

$989

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Montcalm

1st place: USAA

At $714 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $788 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $821 for six months, making it the third cheapest auto insurance company in Montcalm.

Montcalm Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montcalm, WV is USAA, offering policies at just $714 for a six-month term. This is followed by Erie, which has an average six-month premium of $788.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1396 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montcalm drivers find the best deals.

Cheap Car Insurance Companies in Montcalm, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$714	$120
Erie	$788	$133
Westfield	$821	$138
Encompass	$871	$149
Progressive	$994	$167
State Farm	$994	$167
Nationwide	$1335	$223
Allstate	$1396	$235

Key Takeaways

Way's key takeaways about car insurance in Montcalm

The auto insurance costs in Montcalm fall around $714 for six months.
The cheapest auto insurance company in Montcalm is USAA.
Teen drivers pay the highest rate in Montcalm at $885 per month.

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Cheapest Minimum Liability Car Insurance in Montcalm

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 Montcalm are given below.

USAA provides the cheapest minimum car insurance coverage in Montcalm. Their Average 6 Month Premium is $179. Nationwide is the most expensive at $564 for the same period.

Cheapest Liability Coverage in Montcalm, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Westfield	$179	$30
Erie	$190	$32
Encompass	$262	$44
State Farm	$268	$45
Allstate	$486	$83
Progressive	$492	$82
Nationwide	$564	$96

Cheapest Full Coverage Car Insurance in Montcalm

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 Montcalm is USAA at $120 per month and $714 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montcalm, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$714	$120
Erie	$788	$133
Westfield	$821	$138
Encompass	$871	$149
Progressive	$994	$167
State Farm	$994	$167
Nationwide	$1335	$223
Allstate	$1396	$235

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Average Car Insurance in Montcalm 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 Montcalm, WV increasing?

Despite maintaining a clean driving record, your car insurance rates in Montcalm, West Virginia, may be increasing due to several external factors. West Virginia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Montcalm's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Montcalm

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 Montcalm,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Montcalm at $180 per month. At $5310 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1067	$180
Westfield	$1105	$186
USAA	$1267	$213
State Farm	$1709	$288
Progressive	$3690	$621
Allstate	$4802	$808
Nationwide	$5310	$885

Teen Car Insurance Rates in WV 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 Montcalm, Westfield is the cheapest car insurance provider. At $709 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 Montcalm is State Farm, offering rates of around $4049 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$709	$119
USAA	$1178	$196
Erie	$1736	$295
Nationwide	$1831	$306
Progressive	$2010	$342
Allstate	$2184	$364
State Farm	$4049	$688

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Car Insurance Rates with An Accident in Montcalm

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 Montcalm, WV, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Montcalm include Encompass and Erie, offering $346 and $625, respectively. Nationwide is an expensive provider with an average six-month premium of $2188.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$346	$57
Erie	$625	$105
Westfield	$682	$115
USAA	$703	$118
State Farm	$765	$129
Progressive	$1647	$277
Allstate	$2127	$358
Nationwide	$2188	$372

Montcalm Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montcalm WV. For example, the car insurance in Montcalm after a DUI increases to $749 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Montcalm auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$966	$161
One Med/PIP claim	$966	$165
One comp claim	$999	$166
Not-at-fault accident	$1005	$171
Two Med/PIP claims	$1010	$168
Two comp claims	$1061	$180
Failure to wear a seat belt	$1083	$180
Failure to show documents	$1100	$187
Driving without lights	$1111	$185
Cell phone violation	$1145	$195
Texting while driving	$1145	$191
Speeding 6 - 10 MPH over limit	$1151	$196
Driving with expired registration	$1156	$193
Driving too slowly	$1162	$197
Failure to stop at a red light	$1162	$194
Following too closely	$1162	$197
Illegal turn	$1162	$194
Improper passing	$1162	$197
Speeding 11 - 15 MPH over limit	$1162	$194
Speeding in school zone	$1162	$197
Wrong way/wrong lane	$1162	$194
Failure to yield	$1167	$198
Speeding 16 - 20 MPH over limit	$1167	$195
In 65 MPH zone	$1172	$199
Speeding 21 - 25 MPH over limit	$1172	$196
Passing school bus	$1200	$204
Child safety restraint	$1206	$201
Operating a vehicle without permission	$1206	$205
At-fault accident - less than $1000	$1295	$216
Open container	$1307	$222
At-fault accident - $1000-$2000	$1407	$234
At-fault accident - greater than $2000	$1407	$240
Driving with a suspended license	$1546	$258
Reckless driving	$1608	$274
DUI	$1715	$286
Refusal to submit to a chemical test	$1715	$291
Racing	$1720	$287
Leaving scene of an accident/hit and run	$1725	$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 Montcalm 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 Montcalm.

The cheapest car insurance premiums in Montcalm are offered by Erie at $893 for a six-month policy. However, it can be as expensive as $2747 with companies like Nationwide.

Montcalm car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$893	$150
USAA	$1039	$175
State Farm	$1067	$180
Progressive	$1234	$208
Westfield	$1307	$220
Allstate	$1882	$317
Nationwide	$2747	$458

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 Montcalm are offered by Westfield at $503. However, it can be as expensive as $1753 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Montcalm after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$503	$85
Erie	$536	$90
State Farm	$653	$110
USAA	$726	$121
Progressive	$1546	$263
Allstate	$1686	$281
Nationwide	$1753	$298

Car Insurance Price Trends in Montcalm, West Virginia

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

The average cost of full coverage in the Montcalm rose by $209 in January compared to $182 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Montcalm rose to $45 in January, compared to $43 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Montcalm?

The car insurance in Montcalm is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Montcalm?

The cheapest car insurance in Montcalm is $120 per month for full coverage.

How much is car insurance in Montcalm for teenagers?

Car insurance for teenagers costs $1067 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 Montcalm?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $166 per month to insure your car in Montcalm.

Is car insurance expensive in Montcalm?

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

Cheapest Car Insurance Quotes in Montcalm

Why you can trust Way?

How Much Is Car Insurance in Montcalm

Avg. Car Insurance in Montcalm

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Montcalm

1st place: USAA

2nd place: Erie

3rd place: Westfield

Montcalm Car Insurance Rates by Company

Cheap Car Insurance Companies in Montcalm, WV

Way's key takeaways about car insurance in Montcalm

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Montcalm

Cheapest Liability Coverage in Montcalm, WV

Cheapest Full Coverage Car Insurance in Montcalm

Cheapest Full Coverage Car Insurance Quotes in Montcalm, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Montcalm by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Montcalm, WV increasing?

Car Insurance Premiums by Age in Montcalm

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Montcalm,WV

If you are in your twenties N/A is the best choice for car insurance in Montcalm.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Montcalm

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

Montcalm Car Insurance Rates by Violation

Montcalm auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Montcalm after a DUI

Montcalm car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Montcalm after Speeding ticket

Car Insurance Price Trends in Montcalm, West Virginia

Average Car Insurance Cost in Montcalm by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Montcalm, WV

Car Insurance Rates by State in the USA (2025 Update)

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