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

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Last Updated: January 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.
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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!

Average Car Insurance Cost

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Helena, MT Driving Facts


Minimum Car Insurance Requirements in MT

Understanding Montana car insurance requirements is the first step to getting low-cost car insurance. Every state has at least slightly different rules and regulations when it comes to car insurance, so it’s important to know the difference between required, recommended, and optional coverage limits.

According to the Montana Department of Justice, Montana auto insurance requirements include:

  • $25,000 bodily injury liability per person 
  • $50,000 bodily injury liability in total per accident
  • $20,000 property damage liability

In addition to these minimum coverage levels, drivers must be offered underinsured/uninsured motorist protection in the minimums of $25,000/$50,000 bodily injury coverage. While not required to carry underinsured or uninsured motorist coverageMontana drivers must reject these riders in writing if they want to remove it from their policy.

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

Insurify Insights: How Helena Drivers Measure Up

Subaru Legacy
Most Popular Car in
Helena, MT
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Helena drivers measure up to their fellow Montana motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Helena

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 3 in the number of car accidents per driver across all cities in Montana.

  • Rank within state: #3
  • Percent of drivers in Helena with an accident: 10.49%
  • Drivers in Helena, MT with an accident in their driving history paid on average 54.7% more than drivers with a clean record

Speeding in Helena

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 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Helena with a speeding ticket: 15.43%
  • Drivers in Helena, MT with a speeding ticket in their driving history paid on average 23.93% more than drivers with a clean record

DUI/DWIs in Helena

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Helena drivers rank 1 in the number of DUI’s per driver across all cities in Montana.

  • Rank within state: #1
  • Percent of drivers in Helena with a DUI: 5.25%
  • Drivers in Helena, MT with a DUI in their driving history paid on average 25.64% more than drivers with a clean record

Most Popular Vehicle in Helena

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Helena is the Subaru Legacy.

Hybrid/Electric Vehicle Ownership in Helena

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Helena drivers rank 4 in hybrid and electric vehicle ownership across all cities in Montana.

  • Rank within state: #4
  • Percent of drivers in Helena with a hybrid/electric vehicle: 0.49%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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