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Cheap Auto Insurance Quotes in Helena, MT (October 2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by Licensed Insurance Agent, Amber Benka

Updated August 31, 2022

Car Insurance in Helena, MT

The average cost of Montana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Helena, MT to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Helena is $141 per month, or $1692 annually.

  • Car insurance in Helena is $24 less than the average cost of car insurance in Montana.

  • The cheapest car insurance provider in Helena on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$39
Progressive
$53
Travelers
$67
The General
$186

See More:

Cheapest Car Insurance in Helena, MT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in HelenaQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
State Farm$39 /mo
Progressive$53 /mo
Travelers$67 /mo
The General$186 /mo

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Average Car Insurance Cost

Montana Cities
Billings$81/mo
Missoula$85/mo
Great Falls$89/mo
Bozeman$98/mo
Helena$86/mo
Montana$88/mo
Billings
$81
Missoula
$85
Helena
$86
Average for MT
$88
Great Falls
$89
Bozeman
$98

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Montana

All motor vehicles operated or parked on Montana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Montana[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Montana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Montana, this coverage is required to be offered, but drivers can reject it if they do not want it.

Find local Helena agents

  • Cochrane Insurance Agency

    201 E. Lyndale Ave,
    Helena, MT 59601
  • Stockman Insurance, Inc Helena

    PO Box 7329,
    Helena, MT 59604-7329
  • Wolf Insurance Services LLC

    1205 Butte Ave Ste 4,
    Helena, MT 59601
  • PayneWest Insurance Helena

    1108 Livingston Ave,
    Helena, MT 59601-3543
  • Independent Insurance Agents of Montana Inc

    3131 Dredge Drive,
    Helena, MT 59602
  • AAA MountainWest, Inc.

    2100 11th Ave.,
    Helena, MT 59604-4129
  • Hub International Mountain States Ltd. Helena

    3130 Saddle Dr Suite 3,
    Helena, MT 59601-8644
  • Public Risk Insurance Management, Inc. (PRIM)

    3131 Dredge Dr.,
    Helena, MT 59602
  • Leavitt Great West Insurance Services, LLC

    3390 Colton Dr,
    Ste A, Helena, MT 59602-0204
  • Insurance Unlimited; Koinonia Financial Services, Inc. dba

    1040 Helena Ave,
    Helena, MT 59601
View more

FAQs - Helena, MT Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Insurify Insights

How Helena Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Helena, Montana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Helena drivers measure up to their fellow motorists across Montana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Helena

#5

City with the Most Speeding Tickets Rank in Montana

#5

City with the Most Moving Violations Rank in Montana

#4

City with the Most DUIs Rank in Montana

#1

City with the Most Suspended Licenses in Montana

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Helena drivers rank 4 in the number of car accidents per driver across all cities in Montana.

    • Rank within state: #4
    • Percent of drivers in Helena with an accident: 8.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Helena drivers rank 4 in the number of DUI’s per driver across all cities in Montana.

    • Rank within state: #4
    • Percent of drivers in Helena with a DUI: 2.4%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Montana, Helena drivers rank 1 in the number of reckless driving offenses per driver.

    • Rank within state: #1
    • Percent of drivers in Helena with a reckless driving offense: 2.7%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Montana, Helena drivers rank 1 in rude driving infractions.

    • Rank within state: #1
    • Percent of drivers in Helena with a reckless driving violation: 3.2%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Montana, Helena drivers rank 5 in the number of speeding infractions per driver.

    • Rank within state: #5
    • Percent of drivers in Helena with a speeding ticket: 8.5%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Helena drivers rank 2 in clean driving records across all cities in Montana.

    • Rank within state: #2
    • Percent of drivers in Helena with clean record: 78.4%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Helena drivers rank 356 in hybrid and electric vehicle ownership across all cities in Montana.

    • Rank within state: #356
    • Percent of drivers in Helena with a hybrid/electric vehicle: 0%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Tanveen Vohra
Tanveen Vohra
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Editorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Montana Department of Justice. "State Minimum Car Insurance Requirements." Accessed May 28, 2022