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MONTANA A UTOMOBILE I NSURANCE 2014 RATE COMPARISON GUIDE


Dear Montana Consumer: I am pleased to provide you with the Montana 2014

Automobile Insurance Rate Comparison Guide. One of my goals as Commissioner of Securities & Insurance is to help you be an informed buyer. I believe in order to maintain a healthy, competitive marketplace, it is critically important to provide consumers with the resources they need to compare insurance rates.

Monica J. Lindeen

This guide gives you a general idea of the premium rates charged in Montana.

For more specific information, you must contact the individual insurance companies. Comparison shopping takes time, but can save you money. Use this guide to help you narrow the choice of insurers or agents you may want to contact. Shop carefully and contact our office if you any questions or need additional assistance. Our knowledgeable staff is dedicated to assisting you with a wide range of insurance issues. Please call our consumer hotline at 1-800-332-6148 or from Helena at 444-2040. You will also find more information on our web site at www.csi.mt.gov. Sincerely,

Monica J. Lindeen Commissioner of Securities & Insurance Montana State Auditor


About this guide This guide compares how much Montana drivers might pay for auto liability insurance coverage in nine different geographic areas: Billings, Bozeman, Butte, Great Falls, Helena, Kalispell, Missoula, Scobey and Thompson Falls. Thirteen of the auto liability insurance companies that write the most insurance in Montana chose to participate in our survey. For further information, please refer to the CSI publication Montana Consumer Guide to Auto Insurance at www.csi.mt.gov/consumers, located under the Consumer Publications link. (Or request a copy by calling 1-800-332-6148.)

How to use this guide The premium quotes from the insurance companies listed in this guide are: 

Based on the amount you pay every six months.

Based on three years of driving experience.

Based on rates in effect as of January 1, 2014. If a company’s rates have changed since then, these quotes may no longer be accurate. (Please keep in mind the premiums quoted are only examples. Your individual situation may include other factors that will be reflected in the premiums quoted to you.)

Based on the assumption that you are new to the company and not renewing an existing policy.

Based on a standard performance vehicle.

Based on the minimum required liability limits set by Montana law. ($25,000 bodily injury coverage for one person, $50,000 bodily injury coverage for two or more people and $10,000 property damage coverage; $25,000 bodily injury coverage for one uninsured motorist person and $50,000 bodily injury coverage for two or more uninsured motorists is included.)

Based on the area for which they are written.


Coverage State law sets minimum liability requirements for auto insurance. As previously noted, these limits are $25,000 bodily injury coverage for one person, $50,000 for coverage of bodily injury for 2 or more people, and $10,000 property damage coverage. Liability insurance covers you against damages you cause to others if you are at fault in an accident. It does NOT protect you against your own losses. Also, it is mandatory for the companies to offer uninsured motorist coverage, but you, the consumer, may reject this coverage. Consumers may want to consider higher liability limits than the state minimum, because the minimums may not cover your exposure to lawsuits. If you own a newer car, your bank probably will require you to buy Comprehensive and Collision coverage. However, the state’s minimum requirements do NOT include such coverage. There may also be other coverage you wish to consider that are not mandatory.

Insurers Not every insurer will offer you coverage because different insurers have different requirements that must be met in order to become insured. Insurers set target “markets� that help them select the types of drivers they want to insure. There are three basic markets: non-standard, standard, and preferred. 1) Non-standard markets (highest premiums) include drivers with less experience and numerous tickets or accidents. 2) The standard market is for the average driver. 3) The preferred market (lowest premiums) is available to low-risk drivers.

Need More Help? Professional consumer advocates are available to assist you on a wide-range of insurance issues.

Call the CSI Insurance Hotline

1-800-332-6148


Seven different insurance scenarios are outlined below. Find the example that best matches your situation. Refer to the corresponding chart on the following pages and find your geographic region. The chart accompanying each example outlines the quotes received from insurers responding to our survey. Please note: The plans included in this guide are examples only.

Example 1 These premiums apply to a 19-year-old who drives a 2013 Honda Civic sedan to and from work, eight miles each way, five days a week. Annual total mileage is 10,000. Driver has previous insurance with three years driving experience, but is no longer supported by parental insurance. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Driver has no accidents or driving citations. B) Driver has one at-fault accident two years ago, on which the insurer paid $10,000 to settle and one minor speeding citation six months ago. ďƒ˜

If example 1 most closely matches your insurance situation, refer to example 1 chart for sample rate quotes.

Example 2 These premiums apply to a single parent household with previous insurance, age 40, whose two teenagers, ages 16 and 17, are also drivers. The 40-year old drives a 2011 Ford Edge to and from work, less than 5 miles each way, five days a week, for an annual total mileage of 15,000. This driver has no accidents or driving citations. The 16-year-old is newly licensed, has no accidents or driving citations, and does not qualify for a good student discount. The 17-year old has been driving for two years, has no driving citations and qualifies for a good student discount.

Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) The 17-year-old drives a 2009 Chevrolet Trail Blazer 4WD, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2008 Nissan Pathfinder Utility 4WD to and from school, five miles each way, five days a week, with occasional driving on the weekends. The total annual mileage on each vehicle is 5,000. B)

The 17-year-old drives a 2009 Chevrolet Trail Blazer 4WD, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2008 Nissan Pathfinder Utility 4WD to and from school, five miles each way, five days a week, with occasional driving on the weekends. The total annual mileage on each vehicle is 5,000. Neither of the two drivers has completed driver training.

ďƒ˜ If example 2 most closely matches your insurance situation, refer to example 2 chart for sample rate quotes.


Example 3

Example 5

These premiums apply to a 27-year-old with previous insurance that drives a 2013 Chrysler 300 to and from work, 20 miles each way, five days a week, for an annual total mileage of 15,000.

These premiums apply to a household with previous insurance, ages 42 and 45, whose two teenagers, ages 16 and 18, are also drivers. The 42-year-old drives a 2011 Toyota 4 Runner to and from work, 15 miles each way, five days a week, for an annual total mileage of 20,000. This driver has no accidents or driving citations. The 45-yearold drives a 2011 Toyota Camry to and from work, 10 miles each way, five days a week, for an annual total mileage of 15,000. This driver had one at-fault accident two years ago, on which the insurer paid $5,000 to settle. The 16-year-old is newly licensed, has no driving citations, and qualifies for a good student discount. The 18year-old has been driving for two years, has one major speeding citation in the last year, and does not qualify for a good student discount.

Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Driver has no accidents or driving citations. B) Driver has one major speeding citation one year ago. 

If example 3 most closely matches your insurance situation, refer to example 3 chart for sample rate quotes.

Example 4 These premiums apply to a two-person household, ages 30 and 35, whom have previous insurance. The 30-year-old drives a 2013 Subaru Forrester to and from work, 15 miles each way, five days a week, and has an annual total mileage of 15,000. The 35-year-old drives a 2013 Jeep Wrangler Unlimited to and from work, 20 miles each way, five days a week, for an annual total mileage of 20,000.

Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) The two teenagers share the third household vehicle, a 2010 Ford Focus sedan. They drive to and from school together, five miles each way, five days a week, with occasional driving on the weekends. The driving is split equally between the two, for an annual total mileage of 8,000. B) The 16-year-old drives a 2010 Ford Focus sedan to and from school, five miles each way, five days a week. The 18-year-old drives a 2008 Chevrolet Cobalt sedan to and from school, five miles each way, five days a week. The annual total mileage is 5,000 on each vehicle.

Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Drivers have no accidents or driving citations. B)

The 35-year-old has one major speeding citation one year ago, and the 30-yearold has no accidents or citations.

If example 4 most closely matches your insurance situation, refer to example 4 chart for sample rate quotes.

If example 5 most closely matches your insurance situation, refer to example 5 chart for sample rate quotes.


Example 6

Example 7

These premiums apply to a farming household with previous insurance, ages 48 and 50, whose three teenagers are also drivers. The 48-year-old drives a 2012 Nissan XTerra to and from work, 25 miles each way, five days a week for an annual total mileage of 28,000. The 50-year-old drives a 2011 GMC Sierra 3500 HD pickup for farm use only. The annual total mileage on this vehicle is 15,000. The 14 and 15-year-old have valid operator’s licenses and drive a 1989 Ford F350 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2009 Ford Ranger to and from school, 20 miles each way, five days a week for an annual total mileage of 12,000. All three teenagers qualify for a good student discount.

These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2014 Chevrolet Tahoe 4WD and use it for pleasure only. Neither have any accidents nor driving citations. Both drivers have completed a highway traffic safety program and qualify for the mandatory rate reduction.

Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) None of the drivers have accidents or driving citations. The 50-year-old had an at-fault accident 2 years ago, on which the insurer paid $20,000 to settle. B)

ďƒ˜

Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Annual total mileage is 5,000 miles. B) Annual total mileage is 10,000 miles. ďƒ˜

If example 7 most closely matches your insurance situation, refer to example 7 chart for sample rate quotes.

The 50-year-old had an at-fault accident 2 years ago, on which the insurer paid $20,000

If example 6 most closely matches your insurance situation, refer to example 6 chart for sample rate quotes.

The following pages outline the rate quotes from insurers who chose to respond to our survey. The quotes correspond to each example illustrated for nine geographic regions in Montana.


How to Shop for Auto Insurance Before buying insurance, you should consider contacting several insurance agents or companies to find the best combination of quality and price. You should know what you want before you shop so you will be less likely to buy something you don’t need. Ask several agents or companies to quote how much the annual premium would be for a policy to insure your auto.

Shopping Tips 

Be sure to tell your company or agent if the following information applies to you. You may be entitled to a lower premium. • Your auto has an anti-theft device, automatic seatbelts, and/or airbags.

• Your auto is used for pleasure driving only and you do not drive it to work. • You are in a car pool and drive to work an average of no more than two days per week. • You are a full-time student and your grade point average is 3.0 or above. • The distance you drive to work is short. • You drive fewer than 7,500 miles per year. • You have had no accidents or violations. • You have successfully completed a driver education course. 

Many mutual companies pay dividends to their policyholders at the end of the year. However, dividend amounts are not guaranteed.

Do your shopping as far in advance as possible. This will give you time to consider more companies and it will prevent a hasty decision. Remember, if you change companies at a time other than the renewal date of your policy, you will be charged for the administrative costs of canceling the policy.

If you have been denied coverage by an insurance company because you had an auto accident or traffic violation, try another company. Do not assume that you will be turned down by all companies because they have a variety of underwriting standards. If several companies turn you down, try some companies that have higher premiums.

What to do if you are unable to obtain auto insurance: Any licensed agent can get insurance for you through the Montana Automobile Insurance Plan administered by the Western Association of Automobile Insurance Plans. The plan should be a last resort because the premiums generally are higher than those of private companies.


EXAMPLE 1 These premiums apply to a 19-year-old who drives a 2013 Honda Civic sedan to and from work, eight miles each way, five days a week. Annual total mileage is 10,000. Driver has previous insurance with three years driving experience, but is no longer supported by parental insurance. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Driver has no accidents or driving citations. B) Driver has one at-fault accident two years ago, on which the insurer paid $10,000 to settle, and one minor speeding citation six months ago.

Billings

Bozeman

Butte

Great Falls

Helena

Kalispell

Missoula

Thompson Falls

Scobey

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

Allstate Fire & Casualty Insurance Co.

526

742

513

721

490

682

573

824

486

678

575

826

551

785

439

595

575

826

Farmers Alliance Mutual Insurance Co.

539

727

433

581

489

657

489

657

504

680

433

581

504

680

386

519

433

581

Liberty Mutual Fire Insurance Co.

1509

1783

1100

1298

1471

1738

1509

1783

1385

1636

1357

1603

1446

1708

1181

1394

1100

1298

Mid-Century Insurance Co.

481

772

438

705

406

654

473

764

451

727

473

765

451

727

347

560

473

765

Mountain West Farm Bureau Mutual Ins. Co.

1119

1359

824

996

935

1133

1104

1340

1202

1400

1118

1358

1093

1327

763

920

922

1117

Progressive Direct Insurance Co.

729

916

582

726

697

875

652

816

620

776

672

844

697

875

497

618

600

751

Progressive Northwestern Insurance Co.

786

1007

610

783

744

956

692

888

654

840

714

918

744

956

510

653

629

808

State Farm Fire & Casualty Insurance Co.

482

920

372

709

490

936

531

1014

403

769

474

905

476

910

285

543

459

878

State Farm Mutual Auto Insurance Co.

434

528

335

407

441

537

478

582

363

442

427

520

429

522

257

312

414

504

Travelers Home & Marine Insurance Co.

835

1606

685

1300

760

1450

904

1750

768

1469

676

1284

770

1472

604

1136

656

1245

Trinity Universal Insurance Co.

1094

-

1069

-

1174

-

1150

-

1032

-

1219

-

1078

-

1219

-

1003

-

United Services Automobile Assoc.

255

352

218

301

224

309

243

336

212

292

233

321

233

322

181

248

200

276

USAA Casualty Insurance Co.

284

393

243

336

250

345

271

376

236

327

261

361

260

360

201

277

223

308

- Indicates that a company would not write the risk. Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.

2014 Automobile Rate Comparison Guide


EXAMPLE 2 These premiums apply to a single parent household with previous insurance, age 40, whose two teenage children, ages 16 and 17, are also drivers. The 40-year-old drives a 2011 Ford Edge to and from work, less than 5 miles each way, five days a week, for an annual total mileage of 15,000. This driver has no accidents or driving citations. The 16-year-old is newly licensed, has no accidents or driving citations, and does not qualify for a good student discount. The 17-year-old has been driving for two years, has no driving citations and qualifies for a good student discount. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) The 17-year-old drives a 2009 Chevrolet Trail Blazer 4WD, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2008 Nissan Pathfinder Utility 4WD to and from school, five miles each way, five days a week, with occasional driving on the weekends. The total annual mileage on each vehicle is 5,000. B) The 17-year-old drives a 2009 Chevrolet Trail Blazer 4WD, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2008 Nissan Pathfinder Utility 4WD to and from school, five miles each way, five days a week, with occasional driving on the weekends. The total annual mileage on each vehicle is 5,000. Neither of the two drivers has completed driver training. Billings

Bozeman

Butte

Great Falls

Helena

Kalispell

Missoula

Scobey

Thompson Falls

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

A

B

Allstate Fire & Casualty Insurance Co.

1328

1328

1281

1281

1192

1192

1485

1485

1182

1182

1491

1491

1410

1410

1018

1018

1491

1491

Farmers Alliance Mutual Insurance Co.

818

875

654

700

739

791

739

791

765

816

654

700

765

816

586

626

654

700

Liberty Mutual Fire Insurance Co.

4265

4265

3111

3111

4158

4158

4265

4265

3917

3917

3839

3839

4086

4086

3344

3344

3111

3111

Mid-Century Insurance Co.

1518

1518

1379

1379

1267

1267

1479

1479

1415

1415

1469

1469

1415

1415

1084

1084

1469

1469

Mountain West Farm Bureau Mutual Ins. Co.

1325

1325

984

984

1113

1113

1308

1308

1422

1422

1325

1325

1296

1296

912

912

1098

1098

Progressive Direct Insurance Co.

2027

2027

1590

1590

1939

1939

1798

1798

1712

1712

1871

1871

1939

1939

1346

1346

1657

1657

Progressive Northwestern Insurance Co.

2131

2131

1656

1656

2033

2033

1881

1881

1784

1784

1958

1958

2033

2033

1389

1389

1729

1729

State Farm Fire & Casualty Insurance Co.

1286

1286

993

993

1307

1307

1417

1417

1076

1076

1265

1265

1271

1271

762

762

1227

1227

State Farm Mutual Auto Insurance Co.

1158

1158

894

894

1177

1177

1275

1275

969

969

1139

1139

1144

1144

686

686

1104

1104

Travelers Home & Marine Insurance Co.

1688

1717

1377

1401

1538

1564

1828

1861

1549

1575

1351

1374

1556

1582

1198

1217

1308

1331

Trinity Universal Insurance Co.

1868

1983

1825

1938

1955

2119

1956

2007

1764

1872

2073

2201

1834

1946

2069

2200

1714

1817

United Services Automobile Assoc.

1040

1083

889

926

915

953

995

1037

866

901

958

998

952

992

735

765

818

851

USAA Casualty Insurance Co.

1104

1150

945

984

973

1013

1059

1103

921

959

1021

1064

1012

1054

782

814

870

905

Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.

2014 Automobile Rate Comparison Guide


EXAMPLE 3 These premiums apply to a 27-year-old with previous insurance that drives a 2013 Chrysler 300 to and from work, 20 miles each way, five days a week, for an annual total mileage of 15,000. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Driver has no accidents or driving citations. B) Driver has one major speeding citation one year ago. Billings A B

Bozeman A B

Butte A

B

Great Falls A B

Helena A B

Kalispell A B

Missoula A B

Scobey A B

Thompson Falls A B

Allstate Fire & Casualty Insurance Co.

282

303

278

297

271

288

298

321

268

285

300

323

292

313

0

267

300

323

Farmers Alliance Mutual Insurance Co.

276

276

224

224

251

251

251

251

259

259

224

224

259

259

200

200

224

224

Liberty Mutual Fire Insurance Co.

654

1057

483

774

638

1030

654

1057

602

970

590

951

627

1013

517

829

483

774

Mid-Century Insurance Co.

261

357

240

328

226

309

263

360

249

340

266

364

249

340

193

264

266

364

Mountain West Farm Bureau Mutual Ins. Co.

302

302

230

230

257

257

298

298

321

321

301

301

295

295

215

215

254

254

Progressive Direct Insurance Co.

334

407

278

334

322

394

305

369

293

355

314

383

322

394

245

294

287

348

Progressive Northwestern Insurance Co.

314

401

248

315

301

384

279

357

266

338

290

370

301

384

210

266

256

328

State Farm Fire & Casualty Insurance Co.

222

267

172

208

225

271

244

294

186

225

218

263

219

264

133

161

212

255

State Farm Mutual Auto Insurance Co.

199

221

155

171

203

224

219

243

168

185

196

217

197

218

120

132

190

211

Travelers Home & Marine Insurance Co.

246

549

210

453

229

502

261

593

230

507

207

447

231

508

190

401

202

434

Trinity Universal Insurance Co.

484

931

473

909

518

999

507

980

458

880

537

1038

477

917

537

1037

446

853

United Services Automobile Assoc.

121

139

105

120

107

123

115

133

102

117

111

127

111

128

88

101

97

111

USAA Casualty Insurance Co.

133

154

116

133

118

136

128

147

113

129

123

141

123

142

98

112

107

123

Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.

2014 Automobile Rate Comparison Guide


EXAMPLE 4 These premiums apply to a two-person household, ages 30 and 35, whom have previous insurance. The 30-year-old drives a 2013 Subaru Forrester to and from work, 15 miles each way, five days a week, and has an annual total mileage of 15,000. The 35-year-old drives a 2013 Jeep Wrangler Unlimited to and from work, 20 miles each way, five days a week, for an annual total mileage of 20,000. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Drivers have no accidents or driving citations. B) The 35-year-old has one major speeding citation one year ago, and the 30-year-old has no accidents or citations.

Billings A B

Bozeman A B

Butte A

B

Great Falls A B

Helena A B

Kalispell A B

Missoula A B

Scobey A B

Thompson Falls A B

Allstate Fire & Casualty Insurance Co.

360

393

352

384

340

369

384

423

334

363

387

426

375

411

0

334

387

426

Farmers Alliance Mutual Insurance Co.

344

344

276

276

311

311

311

311

321

321

276

276

321

321

248

248

276

276

Liberty Mutual Fire Insurance Co.

792

1000

592

744

774

975

792

1000

732

919

718

903

760

960

632

792

592

744

Mid-Century Insurance Co.

267

322

244

294

226

272

264

318

251

303

264

318

251

303

193

233

264

318

Mountain West Farm Bureau Mutual Ins. Co.

482

482

368

368

441

441

476

476

514

514

482

482

472

472

344

344

406

406

Progressive Direct Insurance Co.

412

483

338

393

396

464

373

437

358

417

384

449

396

464

297

343

350

405

Progressive Northwestern Insurance Co.

369

438

292

346

352

417

329

389

312

369

339

401

352

417

246

291

300

354

State Farm Fire & Casualty Insurance Co.

362

400

282

312

368

407

398

440

305

337

356

394

358

396

218

242

346

382

State Farm Mutual Auto Insurance Co.

326

361

254

280

331

367

358

397

274

303

321

355

322

357

197

217

311

344

Travelers Home & Marine Insurance Co.

330

602

284

506

309

557

351

648

311

563

280

500

310

561

258

452

273

486

Trinity Universal Insurance Co.

572

807

559

788

608

862

597

844

541

764

631

893

563

794

628

891

529

743

United Services Automobile Assoc.

225

242

196

211

200

216

215

232

191

205

207

223

208

224

166

179

182

195

USAA Casualty Insurance Co.

239

257

208

224

213

229

229

246

203

218

220

237

221

238

176

190

193

208

Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.

2014 Automobile Rate Comparison Guide


EXAMPLE 5 These premiums apply to a household with previous insurance, ages 42 and 45, whose two teenage children, ages 16 and 18, are also drivers. The 42-year-old drives a 2011 Toyota 4 Runner to and from work, 15 miles each way, five days a week, for an annual total mileage of 20,000. This driver has no accidents or driving citations. The 45-year-old drives a 2011 Toyota Camry to and from work, 10 miles each way, five days a week, for an annual total mileage of 15,000. This driver had one at-fault accident two years ago, on which the insurer paid $5,000 to settle. The 16-year-old is newly licensed, has no driving citations, and qualifies for a good student discount. The 18-year-old has been driving for two years, has one major speeding citation in the last year, and does not qualify for a good student discount. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) The two teenagers share the third household vehicle, a 2010 Ford Focus sedan. They drive to and from school together, five miles each way, five days a week, with occasional driving on the weekends. The driving is split equally between the two, for an annual total mileage of 8,000. B) The 16-year-old drives a 2010 Ford Focus sedan, to and from school, five miles each way, five days a week. The 18-year-old drives a 2008 Chevrolet Cobalt sedan to and from school, five miles each way, five days a week. The total annual mileage on each vehicle is 5,000. Billings A B

Bozeman A B

Butte A

B

Great Falls A B

Helena A B

Kalispell A B

Missoula A B

Scobey A B

Thompson Falls A B

Allstate Fire & Casualty Insurance Co.

2040

2461

1962

2448

1814

2424

2303

2505

1803

2420

2308

2507

2174

2484

0

2375

2308

2507

Farmers Alliance Mutual Insurance Co.

920

1066

736

881

832

994

832

994

859

997

736

881

859

997

657

786

736

881

Liberty Mutual Fire Insurance Co.

3042

5064

2227

3695

2966

4936

3042

5064

2796

4649

2739

4558

2916

4851

2388

3970

2227

3695

Mid-Century Insurance Co.

1704

1896

1549

1724

1428

1589

1667

1854

1592

1771

1660

1846

1592

1771

1222

1359

1660

1846

Mountain West Farm Bureau Mutual Ins. Co.

1052

1589

788

1181

888

1335

1038

1568

1126

1703

1051

1588

1029

1553

733

1097

876

1317

Progressive Direct Insurance Co.

2115

2445

1658

1917

2016

2338

1875

2169

1780

2062

1942

2254

2016

2338

1397

1619

1720

1998

Progressive Northwestern Insurance Co.

2171

2517

1683

1957

2061

2399

1913

2224

1811

2108

1980

2308

2061

2399

1405

1638

1742

2033

State Farm Fire & Casualty Insurance Co.

1241

1595

959

1233

1261

1621

1366

1756

1040

1336

1221

1569

1227

1577

738

948

1184

1522

State Farm Mutual Auto Insurance Co.

1050

1426

811

1101

1067

1449

1156

1570

879

1194

1033

1403

1038

1410

623

846

1002

1360

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Trinity Universal Insurance Co.

2037

2770

1987

2702

2176

2960

2132

2900

1923

2615

2258

3072

1999

2718

2259

3072

1867

2538

United Services Automobile Assoc.

805

1310

691

1122

711

1154

772

1255

673

1092

744

1209

739

1201

575

929

637

1032

USAA Casualty Insurance Co.

856

1392

736

1194

757

1229

822

1336

717

1163

794

1290

786

1277

612

989

679

1099

Travelers Home & Marine Insurance Co.

- Indicates that a company would not write the risk. Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.

2014 Automobile Rate Comparison Guide


EXAMPLE 6 These premiums apply to a farming household with previous insurance, ages 48 and 50, whose three teenage children are also drivers. The 48-year-old drives a 2012 Nissan Xterra to and from work, 25 miles each way, five days a week for an annual total mileage of 28,000. The 50-year-old drives a 2011 GMC Sierra 3500HD pickup for farm use only. The annual total mileage on this vehicle is 15,000. The 14 and 15-year-old drive a 1989 Ford F350 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2009 Ford Ranger to and from school, 20 miles each way, five days a week for an annual total mileage of 12,000. All three teenagers qualify for a good student discount. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) None of the drivers have accidents or driving citations. B) The 50-year-old had an at-fault accident two years ago, on which the insurer paid $20,000 to settle. Billings A B

Bozeman A B

Butte A

B

Great Falls A B

Helena A B

Kalispell A B

Missoula A B

Scobey A B

Thompson Falls A B

Allstate Fire & Casualty Insurance Co.

1472

1557

1420

1502

1321

1400

1658

1760

1311

1389

1663

1765

1569

1663

0

1183

1663

1765

Farmers Alliance Mutual Insurance Co.

758

859

609

686

685

777

685

777

710

804

609

686

710

804

543

612

609

686

Liberty Mutual Fire Insurance Co.

3090

3495

2271

2564

3012

3408

3090

3495

2841

3214

2786

3148

2962

3349

2434

2751

2271

2564

Mid-Century Insurance Co.

1948

2023

1766

1834

1618

1678

1890

1960

1810

1879

1873

1940

1810

1879

1386

1437

1873

1940

Mountain West Farm Bureau Mutual Ins. Co.

1033

1105

775

829

873

933

1020

1091

1105

1182

1033

1105

1101

1081

722

772

861

921

Progressive Direct Insurance. Co.

2928

3291

2286

2567

2781

3125

2587

2907

2453

2754

2674

3003

2781

3125

1915

2146

2356

2645

Progressive Northwestern Insurance Co.

3115

3425

2417

2651

2955

3241

2743

3011

2597

2846

2838

3108

2955

3241

2012

2201

2494

2724

State Farm Fire & Casualty Insurance Co.

1230

1290

951

998

1250

1311

1353

1419

1031

1081

1210

1268

1216

1275

732

768

1173

1230

State Farm Mutual Auto Insurance Co.

1107

1242

856

960

1125

1262

1218

1367

928

1040

1089

1222

1094

1228

659

738

1056

1185

Travelers Home & Marine Insurance Co.

1773

2733

1464

2240

1633

2502

1924

2978

1651

2538

1442

2210

1643

2525

1285

1966

1395

2142

Trinity Universal Insurance Co.

1840

1902

1796

1857

1962

2029

1923

1989

1739

1798

2036

2106

1807

1868

2032

2103

1690

1747

United Services Automobile Assoc.

1045

1088

896

933

921

959

1001

1042

873

909

963

1004

958

998

744

774

825

859

USAA Casualty Insurance Co.

1110

1156

953

992

980

1021

1065

1109

928

967

1027

1070

1018

1061

791

824

878

914

Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.

2014 Automobile Rate Comparison Guide


EXAMPLE 7 These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2014 Chevrolet Tahoe 4WD and use it for pleasure only. Neither have any accidents nor driving citations. Both drivers have completed a highway traffic safety program and qualify for the mandatory rate reduction. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Annual total mileage is 5,000. B) Annual total mileage is 10,000.

Billings A B

Bozeman A B

Butte A

B

Allstate Fire & Casualty Insurance Co.

260

265

256

261

249

254

275

Farmers Alliance Mutual Insurance Co.

201

201

163

163

183

183

Liberty Mutual Fire Insurance Co.

503

503

375

375

491

Mid-Century Insurance Co.

230

230

210

210

Mountain West Farm Bureau Mutual Ins. Co.

167

195

131

Progressive Direct Insurance Co.

349

349

Progressive Northwestern Insurance Co.

329

State Farm Fire & Casualty Insurance Co.

Scobey A B

Thompson Falls A B

Helena A B

Kalispell A B

Missoula A B

281

246

251

277

283

269

275

-

236

277

283

183

183

189

189

163

163

189

189

146

146

163

163

491

503

503

464

464

455

455

483

483

400

400

375

375

197

197

229

229

217

217

231

231

217

217

168

168

231

231

151

145

168

165

193

177

208

167

195

164

192

123

141

143

166

288

288

336

336

318

318

305

305

326

326

336

336

255

255

297

297

329

260

260

314

314

293

293

278

278

302

302

314

314

219

219

268

268

159

188

124

146

162

191

175

207

134

158

157

185

157

186

96

113

152

180

State Farm Mutual Auto Insurance Co.

143

169

112

132

145

172

157

186

121

142

141

167

142

167

87

102

137

162

Travelers Home & Marine Insurance Co.

213

213

184

184

199

199

226

226

200

200

181

181

201

201

167

167

177

177

Trinity Universal Insurance Co.

351

351

345

345

377

377

368

368

333

333

390

390

347

347

389

389

326

326

United Services Automobile Assoc.

134

146

116

126

119

129

128

139

113

123

123

134

123

134

97

106

107

116

USAA Casualty Insurance Co.

142

155

123

134

126

137

136

148

119

130

130

142

131

142

103

112

113

123

Great Falls A B

- Indicates that a company would not write the risk. Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included.

2014 Automobile Rate Comparison Guide


CONSUMER CONTACTS FOR PARTICIPATING COMPANIES ALLSTATE FIRE & CASUALTY INSURANCE CO.

Celeste Vanduch

2775 Sanders Rd. Ste. A5 Northbrook, IL 60062-6127

1-847-402-7328

www.allstate.com

FARMERS ALLIANCE MUTUAL INSURANCE CO.

Denise Unruh

PO Box 1401 McPherson, KS 67460

1-800-362-1075 ext. 1391

www.fami.com

Stephen Slattery

175 Berkeley St Boston, MA 02116

1-857-224-1782

LIBERTY MUTUAL INSURANCE CO MID-CENTURY INSURANCE CO.

Victoria McCarthy

4680 Wilshire Blvd Los Angeles, CA 90010

1-323-932-3200

www.farmers.com

931 Boulder Drive Laramie, WY 82070

1-307-745-4835

www.mwfbi.com

PO Box 31260 Tampa, FL 33631

1-800-776-4737

www.progressive.com

1-800-876-5581

www.progressiveagent.com

MOUNTAIN WEST FARM BUREAU MUTUAL INSURANCE CO. PROGRESSIVE DIRECT INSURANCE CO.

Customer Service

PROGRESSIVE NORTHWESTERN INS.

Contact a local agent

STATE FARM FIRE AND CASUALTY CO. STATE FARM MUTUAL AUTOMOBILE

Contact a local State Farm agent

TRAVELERS HOME & MARINE INSURANCE CO. TRINITY UNIVERSAL INSURANCE CO UNITED SERVICES AUTOMOBILE ASSOC. USAA CASUALTY INSURANCE CO.

Ed Speich

www.libertymutal.com

www.statefarm.com PO Box 59059 Knoxville, TN 37950-9059

1-800-842-5075

www.travelers.com

12926 Gran Bay Pky West Jacksonville, FL 32258

1-904-245-5848

www.kemper.com

9800 Fredericksburg Road San Antonio, TX 78288

1-800-531-8722

www.usaa.com


Technical Notes Some of the companies that participated in this survey have differences in determining the premiums. These include: 

Mountain West Farm Bureau Mutual Insurance Co. All Examples – Use liability limits of 25/50/25, medical limits of $1,000 and 25/50 uninsured and underinsured motorists coverage.

United Services Auto Association and USAA Casualty Insurance Co. USAA Group Property & Casualty products are generally available to active duty U.S. military personnel and their families, National Guard, Selected Reserve, and recently retired or separated personnel.

Compare Insurance Rates Online If you prefer, use the Commissioner of Securities & Insurance website for quick and easy comparisons of auto, homeowners, Medicare supplements, and long-term care insurance rates.

www.csi.mt.gov/consumers


C ONTACT U S C ONTACT U S MONICA J. LINDEEN

Commissioner of Securities & Insurance Montana State Auditor Commissioner of Securities & Insurance Montana State Auditor CONSUMER HOTLINE

MONICA J. LINDEEN

444-2040 CONSUMER HOTLINE

1-800-332-6148 (Outside Helena) 444-2040 1-800-332-6148 (Outside Helena) Fax: 406-444-3497 TDD Phone: 406-444-3246 Fax: 406-444-3497 TDD Phone: 406-444-3246

Commissioner of Securities & Insurance | Montana State Auditor 840 Helena Avenue | Helena, MT 59601 Commissioner of Securities & Insurance | Montana State Auditor 840 Helena Avenue | Helena, MT 59601

www.csi.mt.gov

www.csi.mt.gov


Automobile Insurance 2014 Rate Comparison Guide