Cheap Quotes for Elmo, MT Car Insurance (2021)

Elmo, Montana car insurance rates average $277 a month and Montana law requires coverage of at least 25/50/20. By comparing rates from multiple Elmo, MT companies, you can find cheap Elmo car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to Know

  • Average car insurance rates in Elmo, MT are $277/month
  • The cheapest car insurance company in Elmo is Liberty Mutual
  • Average car insurance rates in Elmo, MT for senior drivers are $2,127/year

How do the Elmo, Montana monthly average car insurance rates of $277/month compare to nearby cities like Helena car insurance rates, Great Falls car insurance rates, and Livingston car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Elmo, MT.

We’ll cover the Montana minimum coverage requirements, Montana car insurance laws, and Elmo, MT statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Elmo, Montana companies to find the most affordable Elmo car insurance rates.

Enter your ZIP code above to find cheap Elmo, MT car insurance quotes today.

What are the minimum Elmo, MT car insurance requirements?

To meet Montana minimum car insurance coverage requirements, Elmo, MT drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in Elmo, Montana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How do age, gender, and marital status affect Elmo, MT car insurance rates?

Three of the criteria that most affect car insurance rates in Elmo, Montana are age, gender, and marital status. Let’s take a look at how each of these stack up with top Elmo car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elmo, Montana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,926 $2,926 $2,683 $2,683 $11,315 $11,315 $3,153 $3,153
Farmers $2,804 $2,804 $2,519 $2,519 $7,658 $7,658 $3,069 $3,069
GEICO $2,693 $2,517 $2,628 $2,397 $6,561 $6,106 $2,309 $2,104
Liberty Mutual $1,020 $1,020 $999 $999 $2,068 $2,068 $1,217 $1,217
Nationwide $2,729 $2,729 $2,489 $2,489 $5,571 $5,571 $2,893 $2,893
Progressive $3,352 $3,352 $3,028 $3,028 $8,042 $8,042 $3,776 $3,776
State Farm $1,812 $1,812 $1,593 $1,593 $5,388 $5,388 $1,966 $1,966
USAA $1,329 $1,329 $1,189 $1,189 $4,454 $4,454 $1,651 $1,651

How much do teen drivers pay for car insurance in Elmo, MT?

Elmo, Montana car insurance rates for teens are often higher than rates for other drivers. Compare Elmo car insurance rates from multiple Elmo, Montana car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Elmo, Montana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,315
Farmers $7,658 $7,658
GEICO $6,561 $6,106
Liberty Mutual $2,068 $2,068
Nationwide $5,571 $5,571
Progressive $8,042 $8,042
State Farm $5,388 $5,388
USAA $4,454 $4,454

How much do senior drivers pay for car insurance in Elmo, MT?

With a little research, seniors can find affordable car insurance in Elmo, Montana. Here’s a look at how the top Elmo car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Elmo, Montana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,683 $2,683
Farmers $2,519 $2,519
GEICO $2,628 $2,397
Liberty Mutual $999 $999
Nationwide $2,489 $2,489
Progressive $3,028 $3,028
State Farm $1,593 $1,593
USAA $1,189 $1,189

How does coverage level affect Elmo, MT car insurance rates?

How much coverage do you need? Are you comfortable with the Montana minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Elmo, MT car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Elmo, Montana

Insurance Company Low Medium High
Allstate $4,760 $5,006 $5,291
Farmers $3,688 $4,008 $4,341
GEICO $3,250 $3,383 $3,610
Liberty Mutual $1,229 $1,330 $1,420
Nationwide $2,620 $3,641 $4,001
Progressive $4,269 $4,534 $4,844
State Farm $2,540 $2,680 $2,848
USAA $2,055 $2,144 $2,268

How does your driving record affect Elmo, MT car insurance rates?

Safe driving pays off. The more traffic violations you have in Elmo, MT, the higher your car insurance rates will be. Compare rates based on driving infractions from top Elmo, Montana companies.

Annual Elmo, Montana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $4,992 $6,057 $4,816
Farmers $3,521 $4,559 $4,447 $3,521
GEICO $2,196 $3,474 $5,364 $2,624
Liberty Mutual $903 $1,571 $1,571 $1,260
Nationwide $2,496 $3,577 $4,602 $3,007
Progressive $3,916 $5,082 $4,849 $4,351
State Farm $2,503 $2,877 $2,690 $2,690
USAA $1,616 $2,021 $3,015 $1,971

How does a DUI affect Elmo, MT car insurance rates?

With even one DUI on your record, you can see an increase in your Elmo, MT car insurance rates.

Annual Car Insurance Rates After a DUI in Elmo, Montana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,057
Farmers $4,447
GEICO $5,364
Liberty Mutual $1,571
Nationwide $4,602
Progressive $4,849
State Farm $2,690
USAA $3,015

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How does your credit history affect Elmo, MT car insurance rates?

Take a look at the data here to see how your Elmo, Montana car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Elmo, Montana

Insurance Company Poor Fair Good
Allstate $6,066 $4,857 $4,135
Farmers $4,736 $3,758 $3,543
GEICO $5,379 $2,867 $1,997
Liberty Mutual $1,326 $1,326 $1,326
Nationwide $4,315 $3,127 $2,819
Progressive $5,489 $4,216 $3,943
State Farm $3,874 $2,353 $1,843
USAA $2,894 $1,972 $1,601

How does your commute affect Elmo, MT car insurance rates?

Elmo, MT car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Montana can be seen here. Remember, though, that you may have to carry substantially more car insurance in Elmo if you’re financing.

Annual Car Insurance Rates by Commute Length in Elmo, Montana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,900 $5,139
Farmers $4,012 $4,012
GEICO $3,354 $3,475
Liberty Mutual $1,326 $1,326
Nationwide $3,420 $3,420
Progressive $4,549 $4,549
State Farm $2,609 $2,770
USAA $2,130 $2,181

Who has the cheapest Elmo, MT car insurance rates?

Here’s a breakdown of Elmo, Montana car insurance rates by company. You can see which company offers the cheapest Elmo car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Elmo, Montana

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What are the top Elmo, MT car insurance companies?

Which Elmo, Montana car insurance company will best fit your needs and budget? Check out this comparison of the top Elmo companies to find the one for you.

Average Annual Car Insurance Rates by Company in Elmo, Montana

Insurance Company Average Annual Rates
Allstate $5,019
Farmers $4,012
GEICO $3,414
Liberty Mutual $1,326
Nationwide $3,420
Progressive $4,549
State Farm $2,690
USAA $2,156

Car Insurance Quotes for Elmo, MT

Shop for affordable Elmo, Montana car insurance rates today. Enter your ZIP code to compare quotes from multiple Elmo, MT car insurance companies.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption