Page 1

M ONTANA

A UTOMOBILE I NSURANCE

2017 RATE COMPARISON GUIDE


Dear Montanan: The Commissioner of Securities and Insurance, Office of the Montana State Auditor, is pleased to provide you with the Montana 2017 Automobile Insurance

Rate Comparison Guide. 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 narrow the choice of insurers or agents you may want to contact. Shop carefully and contact the CSI if you have any questions or need additional assistance. Our knowledgeable staff is available to help you with a wide range of insurance issues. Please call the consumer hotline at 1-800-332-6148 or from Helena at 444-2040. You will also find more information on the CSI web site at www.csimt.gov.


About this guide This guide compares how much a Montana driver 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 and their sample rates are featured on pages 7- 13. For further information, please refer to the CSI publication Montana Consumer Guide to Auto Insurance at www.csimt.gov/your-insurance/auto. (Or request a hard 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 the most recent three years of driving experience.

Based on rates in effect as of January 1, 2017. 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 $20,000 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 $20,000 for 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 will probably 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 is 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 Montana State Auditor 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 the thirteen insurers responding to our survey. Please note:  Coverage for all examples is: 25/50/20 liability; 25/50 uninsured motorist  The plans included in this guide are examples only

EXAMPLE ONE These premiums apply to a 19-year-old who drives a 2011 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. 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. 

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

EXAMPLE TWO 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 2013 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. A) The 17-year-old drives a 2006 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2001 Volkswagen Passat sedan 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 2006 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2001 Volkswagen Passat sedan 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.  If example 2 most closely matches your insurance situation, refer to example 2 chart for sample rate quotes.


EXAMPLE THREE These premiums apply to a 27-year-old with previous insurance that drives a 2016 Kia Soul to and from work, 20 miles each way, five days a week, for an annual total mileage of 15,000. 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 FOUR These premiums apply to a two-person household, ages 30 and 35, with previous insurance. The 30year-old drives a 2016 Subaru Forester 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.

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.

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

EXAMPLE FIVE 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 2012 Toyota Camry 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 2015 Toyota 4 Runner 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. A) The two teenagers share the third household vehicle, a 2007 Chevrolet Cobalt 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 2003 Ford Focus sedan to and from school, five miles each way, five days a week. The 18-year-old drives a 2007 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. 

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


EXAMPLE SIX 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 2015 Nissan Pathfinder 4WD 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 2012 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 1992 Ford F150 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2004 Hyundai Santa Fe 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.

A)

None of the drivers have accidents or driving citations.

B)

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.

EXAMPLE SEVEN These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2017 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. A) Annual total mileage is 5,000 miles. B) Annual total mileage is 10,000 miles. 

If example 7 most closely matches your insurance situation, refer to example 7 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.


EXAMPLE ONE These premiums apply to a 19-year-old who drives a 2011 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: 25/50/20 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

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.

$547

$834

$530

$805

$498

$750

$608

$939

$494

$746

$610

$941

$579

$888

$431

$638

$610

$941

Depositors Insurance Co.

$926

$1,140

$731

$896

$939

$1,155

$911

$1,119

$757

$927

$834

$1,024

$745

$913

$719

$881

$888

$1,092

Farmers Alliance Mutual Insurance Co.

$473

$641

$345

$465

$428

$579

$428

$579

$441

$598

$345

$465

$441

$598

$308

$413

$345

$465

Mid-Century Insurance Co.

$495

$621

$423

$529

$426

$534

$432

$542

$465

$581

$445

$557

$465

$581

$365

$455

$445

$557

Mountain West Farm Bureau Mutual Ins.

$541

$983

$442

$800

$479

$869

$537

$975

$531

$964

$595

$1,082

$588

$1,069

$407

$736

$467

$846

Progressive Direct Insurance Co.

$709

$856

$563

$675

$619

$746

$643

$776

$587

$706

$649

$786

$660

$797

$478

$570

$541

$652

$804

$992

$900

$1,114

$942

$1,166

$848

$1,048

$955

$1,182

$977

$1,210

$662

$817

$776

$959

Progressive Northwestern Insurance Co.

$1,053 $1,305

Safeco Insurance Co.

$562

$781

$449

$623

$489

$679

$523

$726

$460

$639

$528

$735

$503

$699

$367

$510

$427

$594

State Farm Fire & Casualty Insurance Co.

$639

$1,223

$493

$942

$631

$1,207

$698

$1,336

$524

$1,002

$623

$1,191

$626

$1,197

$393

$713

$586

$1,120

State Farm Mutual Auto Insurance Co.

$556

$678

$429

$522

$549

$669

$607

$741

$456

$556

$542

$660

$544

$664

$325

$396

$510

$622

Travelers Insurance Co.

$560

$726

$452

$580

$454

$585

$601

$779

$478

$615

$508

$655

$538

$695

$361

$458

$403

$513

United Service Automobile Assoc.

$291

$403

$249

$344

$256

$354

$278

$385

$242

$335

$268

$370

$266

$368

$206

$284

$229

$316

USAA Casualty Insurance Co.

$300

$415

$257

$355

$264

$365

$287

$298

$250

$346

$277

$384

$275

$380

$213

$293

$236

$326

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

2017 Automobile Insurance Rate Comparison Guide


EXAMPLE TWO 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 2013 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: 25/50/20 Liability; 25/50 Uninsured Motorist A) The 17-year-old drives a 2006 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2001 Volkswagen Passat sedan 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 2006 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 2001 Volkswagen Passat sedan 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 A

B

Bozeman A

B

Butte A

Great Falls B

A

B

Helena A

B

Kalispell

Missoula

A

A

B

B

Scobey A

B

Thompson Falls A

B

Allstate Fire & Casualty Insurance Co.

$1,453 $1,453 $1,397 $1,397 $1,293 $1,293 $1,632 $1,632 $1,280 $1,280 $1,639 $1,639 $1,547 $1,547 $1,092 $1,092 $1,639 $1,639

Depositors Insurance Co.

$1,308 $1,308 $1,034 $1,034 $1,326 $1,326 $1,276 $1,276 $1,069 $1,069 $1,159 $1,159 $1,048 $1,048 $1,020 $1,020 $1,236 $1,236

Farmers Alliance Mutual Insurance Co.

$961

$1,037

$691

$746

$865

$932

$865

$932

$893

$964

$691

$746

$893

$964

$613

$664

$691

$746

Mid-Century Insurance Co.

$1,484 $1,484 $1,282 $1,282 $1,291 $1,291 $1,282 $1,282 $1,425 $1,425 $1,360 $1,360 $1,425 $1,425 $1,136 $1,136 $1,360 $1,360

Mountain West Farm Bureau Mutual Ins.

$1,114 $1,114

$1,106 $1,106 $1,093 $1,093 $1,222 $1,222 $1,208 $1,208

$842

$842

Progressive Direct Insurance Co.

$1,475 $1,475 $1,135 $1,135 $1,263 $1,263 $1,320 $1,320 $1,190 $1,190 $1,332 $1,332 $1,363 $1,363

$933

$933

Progressive Northwestern Insurance Co.

$2,069 $2,069 $1,567 $1,567 $1,767 $1,767 $1,851 $1,851 $1,659 $1,659 $1,882 $1,882 $1,926 $1,926 $1,292 $1,292 $1,531 $1,531

Safeco Insurance Co.

$1,535 $1,535 $1,205 $1,205 $1,327 $1,327 $1,418 $1,418 $1,257 $1,257 $1,463 $1,463 $1,375 $1,375

$999

$999

$1,182 $1,182

State Farm Fire & Casualty Insurance Co.

$1,497 $1,497 $1,155 $1,155 $1,478 $1,478 $1,634 $1,634 $1,228 $1,228 $1,458 $1,458 $1,466 $1,466

$876

$876

$1,373 $1,373

State Farm Mutual Auto Insurance Co.

$1,303 $1,303 $1,005 $1,005 $1,286 $1,286 $1,422 $1,422 $1,069 $1,069 $1,269 $1,269 $1,275 $1,275

$763

$763

$1,195 $1,195

Travelers Insurance Co.

$1,345 $1,390 $1,061 $1,096 $1,068 $1,103 $1,440 $1,491 $1,124 $1,161 $1,198 $1,235 $1,279 $1,324

$820

$848

$921

$950

United Service Automobile Assoc.

$1,076 $1,119

$920

$957

$947

$985

$1,031 $1,072

$896

$931

USAA Casualty Insurance Co.

$1,084 $1,127

$928

$965

$956

$994

$1,041 $1,082

$905

$940

$912

$912

$988

$988

$993

$962

$962

$1,081 $1,081

$1,033

$985

$1,024

$761

$790

$846

$880

$1,006 $1,045

$994

$1,033

$769

$798

$855

$888

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

2017 Automobile Insurance Rate Comparison Guide


EXAMPLE THREE These premiums apply to a 27-year-old with previous insurance that drives a 2016 Kia Soul to and from work, 20 miles each way, five days a week, for an annual total mileage of 15,000. Coverage: 25/50/20 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.

$253

$275

$248

$269

$241

$259

$269

$294

$236

$255

$272

$296

$263

$286

$221

$236

$272

$296

Depositors Insurance Co.

$378

$428

$308

$346

$384

$434

$373

$422

$317

$357

$343

$386

$313

$351

$304

$342

$361

$408

Farmers Alliance Mutual Insurance Co.

$518

$1,534

$378

$1,101

$469

$1,381

$469

$1,381

$484

$1,428

$378

$1,101

$484

$1,428

$337

$975

$378

$1,101

Mid-Century Insurance Co.

$177

$225

$153

$194

$154

$196

$159

$201

$168

$213

$164

$207

$168

$213

$132

$168

$164

$207

Mountain West Farm Bureau Mutual Ins.

$238

$248

$198

$206

$213

$222

$237

$246

$234

$243

$259

$270

$257

$267

$184

$191

$208

$216

Progressive Direct Insurance Co.

$295

$373

$249

$309

$268

$337

$276

$346

$256

$320

$279

$353

$281

$353

$221

$271

$244

$303

Progressive Northwestern Insurance Co.

$371

$465

$288

$358

$322

$403

$336

$419

$303

$378

$343

$428

$348

$435

$241

$299

$282

$352

Safeco Insurance Co.

$175

$225

$142

$181

$157

$200

$165

$210

$147

$188

$169

$218

$161

$206

$118

$152

$141

$181

State Farm Fire & Casualty Insurance Co.

$277

$334

$215

$259

$273

$329

$302

$364

$228

$275

$270

$325

$271

$327

$164

$198

$254

$306

State Farm Mutual Auto Insurance Co.

$241

$267

$187

$207

$239

$264

$263

$291

$198

$220

$235

$260

$236

$261

$143

$158

$221

$245

Travelers Insurance Co.

$321

$399

$265

$325

$268

$330

$342

$430

$281

$346

$296

$372

$309

$386

$220

$266

$244

$299

United Service Automobile Assoc.

$124

$143

$108

$124

$110

$127

$119

$137

$105

$121

$115

$132

$115

$132

$91

$104

$100

$115

USAA Casualty Insurance Co.

$125

$144

$109

$125

$111

$128

$120

$138

$106

$122

$116

$133

$115

$133

$92

$105

$101

$116

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

2017 Automobile Insurance Rate Comparison Guide


EXAMPLE FOUR These premiums apply to a two-person household, ages 30 and 35, whom have previous insurance. The 30-year-old drives a 2016 Subaru Forester 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: 25/50/20 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.

$351

$378

$342

$367

$328

$351

$378

$408

$321

$343

$382

$412

$368

$396

$294

$313

$382

$412

Depositors Insurance

$464

$499

$379

$406

$471

$506

$454

$488

$390

$418

$415

$445

$383

$410

$376

$402

$438

$470

Farmers Alliance Mutual Insurance Co.

$689

$1,374

$501

$987

$621

$1,236

$621

$1,236

$643

$1,280

$501

$987

$643

$1,280

$445

$874

$501

$987

Mid-Century Insurance Co.

$218

$249

$184

$210

$185

$212

$189

$217

$200

$229

$192

$219

$200

$229

$155

$178

$192

$219

Mountain West Farm Bureau Mutual Ins.

$364

$372

$303

$309

$326

$332

$362

$369

$358

$364

$397

$404

$392

$400

$282

$287

$318

$324

Progressive Direct Insurance Co.

$373

$488

$306

$393

$334

$432

$344

$446

$316

$408

$350

$453

$351

$455

$266

$336

$297

$379

Progressive Northwestern Insurance Co.

$472

$619

$367

$477

$410

$535

$426

$559

$385

$502

$434

$568

$442

$577

$307

$398

$358

$465

Safeco Insurance Co.

$259

$341

$209

$272

$227

$299

$242

$317

$213

$281

$244

$325

$233

$308

$171

$225

$199

$265

State Farm Fire & Casualty Insurance Co.

$459

$510

$356

$396

$453

$504

$500

$556

$378

$420

$447

$497

$449

$500

$272

$303

$422

$469

State Farm Mutual Auto Insurance Co.

$400

$443

$310

$343

$395

$437

$436

$485

$329

$364

$390

$431

$391

$433

$237

$262

$367

$406

Travelers Insurance Co.

$401

$516

$325

$416

$328

$418

$423

$548

$342

$439

$358

$462

$380

$491

$264

$332

$287

$365

United Service Automobile Assoc.

$249

$271

$216

$235

$221

$240

$237

$258

$210

$228

$228

$247

$229

$249

$183

$198

$200

$217

USAA Casualty Insurance Co.

$251

$273

$219

$238

$223

$243

$240

$261

$213

$231

$231

$251

$232

$252

$185

$201

$203

$220

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

2017 Automobile Insurance Rate Comparison Guide


EXAMPLE FIVE 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 2012 Toyota Camry 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 2015 Toyota 4 Runner 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: 25/50/20 Liability; 25/50 Uninsured Motorist A) The two teenagers share the third household vehicle, a 2007 Chevrolet Cobalt 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 2003 Ford Focus sedan, to and from school, five miles each way, five days a week. The 18-year-old drives a 2007 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

Allstate Fire & Casualty Insurance Co.

$1,311 $1,510 $1,263 $1,455 $1,175 $1,356 $1,475 $1,701 $1,162 $1,337 $1,483 $1,711 $1,399 $1,614

Depositors Insurance Co.

$1,695 $2,164 $1,331 $1,699 $1,719 $2,194 $1,653 $2,110 $1,378 $1,759 $1,499 $1,914 $1,351 $1,724 $1,312 $1,675 $1,602 $2,045

Farmers Alliance Mutual Insurance Co.

$2,095 $2,417 $1,499 $1,727 $1,886 $2,174 $1,886 $2,174 $1,952 $2,250 $1,499 $1,727 $1,952 $2,250 $1,331 $1,532 $1,499 $1,727

Mid-Century Insurance Co.

$1,372 $1,858 $1,177 $1,594 $1,186 $1,605 $1,182 $1,597 $1,303 $1,764 $1,241 $1,678 $1,303 $1,764 $1,032 $1,398 $1,241 $1,678

Mountain West Farm Bureau Mutual Ins.

$1,045 $1,510

Progressive Direct Insurance Co.

$2,083 $2,230 $1,595 $1,703 $1,778 $1,903 $1,860 $1,992 $1,676 $1,793 $1,879 $2,016 $1,920 $2,059 $1,305 $1,399 $1,517 $1,632

Progressive Northwestern Insurance Co.

$2,721 $3,085 $2,057 $2,329 $2,318 $2,631 $2,428 $2,755 $2,178 $2,469 $2,465 $2,801 $2,522 $2,867 $1,687 $1,916 $1,995 $2,272

Safeco Insurance Co.

$2,308 $2,359 $1,826 $1,840 $2,012 $2,040 $2,137 $2,175 $1,916 $1,938 $2,226 $2,272 $2,085 $2,120 $1,545 $1,539 $1,822 $1,838

State Farm Fire & Casualty Insurance Co.

$1,549 $1,945 $1,196 $1,502 $1,529 $1,919 $1,690 $2,122 $1,272 $1,597 $1,509 $1,894 $1,516 $1,904

$909

State Farm Mutual Auto Insurance Co.

$1,269 $1,687

$743

Travelers Insurance Co.

$1,897 $1,982 $1,489 $1,555 $1,505 $1,571 $2,055 $2,147 $1,590 $1,660 $1,714 $1,786 $1,816 $1,898 $1,152 $1,202 $1,308 $1,367

$861

$979

$1,239

$930

$1,340 $1,038 $1,499 $1,025 $1,481 $1,143 $1,655 $1,130 $1,635

$1,302 $1,252 $1,665 $1,384 $1,841 $1,041 $1,384 $1,235 $1,643 $1,242 $1,651

$994

Thompson Falls A B

$797

$1,144 $1,483 $1,711

$1,145

$907

$1,306

$1,141 $1,421 $1,783 $988

$1,163 $1,547

United Service Automobile Assoc.

$821

$1,375

$705

$1,179

$727

$1,215

$790

$1,323

$688

$1,149

$765

$1,279

$754

$1,262

$586

$976

$651

$1,086

USAA Casualty Insurance Co.

$830

$1,389

$715

$1,192

$737

$1,230

$801

$1,339

$698

$1,164

$777

$1,299

$764

$1,276

$595

$989

$661

$1,101

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

2017 Automobile Insurance Rate Comparison Guide


EXAMPLE SIX 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 2015 Nissan Pathfinder 4WD 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 2012 GMC Sierra 3500HD pickup for farm use only. The annual total mileage on this vehicle is 15,000. The 14 and 15-year-old have valid operators licenses and drive a 1992 Ford F150 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2004 Hyundai Santa Fe, 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: 25/50/20 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.

$1,589 $1,683 $1,530 $1,621 $1,420 $1,507 $1,792 $1,906 $1,405 $1,491 $1,801 $1,914 $1,697 $1,801 $1,196 $1,265 $1,801 $1,914

Depositors Insurance Co.

$1,424 $1,918 $1,234 $1,509 $1,580 $1,945 $1,520 $1,868 $1,276 $1,561 $1,381 $1,694 $1,251 $1,530 $1,218 $1,488 $1,473 $1,809

Farmers Alliance Mutual Insurance Co.

$860

$930

$621

$671

$777

$840

$777

$840

$803

$867

$621

$671

$803

$867

$555

$599

$621

$671

Mid-Century Insurance Co.

$2,353 $2,353 $1,999 $1,999 $2,015 $2,015 $2,000 $2,000 $2,203 $2,203 $2,081 $2,081 $2,203 $2,203 $1,735 $1,735 $2,081 $2,081

Mountain West Farm Bureau Mutual Ins.

$1,140 $1,225

Progressive Direct Insurance. Co.

$1,875 $2,506 $1,437 $1,912 $1,598 $2,127 $1,671 $2,227 $1,505 $2,005 $1,678 $2,239 $1,721 $2,297 $1,171 $1,552 $1,352 $1,799

Progressive Northwestern Insurance Co.

$2,540 $3,571 $1,923 $2,696 $2,168 $3,039 $2,270 $3,186 $2,035 $2,854 $2,306 $3,233 $2,357 $3,311 $1,580 $2,208 $1,871 $2,614

Safeco Insurance Co.

$1,821 $1,861 $1,458 $1,485 $1,589 $1,624 $1,692 $1,727 $1,510 $1,545 $1,735 $1,780 $1,641 $1,678 $1,224 $1,251 $1,422 $1,459

State Farm Fire & Casualty Insurance Co.

$1,515 $1,583 $1,171 $1,223 $1,496 $1,562 $1,653 $1,727 $1,244 $1,300 $1,476 $1,542 $1,483 $1,550

$890

$930

$1,390 $1,452

State Farm Mutual Auto Insurance Co.

$1,319 $1,479 $1,019 $1,142 $1,302 $1,460 $1,439 $1,614 $1,083 $1,214 $1,285 $1,440 $1,291 $1,448

$775

$868

$1,210 $1,356

Travelers Insurance Co.

$1,431 $1,464 $1,130 $1,156 $1,132 $1,163 $1,526 $1,571 $1,194 $1,223 $1,263 $1,301 $1,354 $1,391

$872

$893

$972

$1,001

United Service Automobile Assoc.

$1,207 $1,259 $1,034 $1,079 $1,064 $1,110 $1,158 $1,207 $1,008 $1,050 $1,117 $1,164 $1,107 $1,154

$857

$893

$952

$993

USAA Casualty Insurance Co.

$1,217 $1,269 $1,044 $1,089 $1,076 $1,122 $1,170 $1,220 $1,018 $1,062 $1,132 $1,180 $1,117 $1,165

$867

$903

$963

$1,004

$939

$1,009 $1,104 $1,090 $1,132 $1,217 $1,118 $1,202 $1,247 $1,340 $1,233 $1,325

$869

$934

$989

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

2017 Automobile Insurance Rate Comparison Guide

$1,063


EXAMPLE SEVEN These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2017 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: 25/50/20 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

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.

$249

$255

$244

$250

$235

$241

$265

$272

$232

$237

$267

$274

$259

$265

$216

$220

$267

$274

Depositors Insurance

$386

$386

$312

$312

$392

$392

$378

$378

$321

$321

$344

$344

$315

$315

$308

$308

$363

$363

Farmers Alliance Mutual Insurance Co.

$377

$377

$277

$277

$342

$342

$342

$342

$353

$353

$277

$277

$353

$353

$249

$249

$277

$277

Mid-Century Insurance Co.

$166

$166

$141

$141

$142

$142

$146

$146

$154

$154

$147

$147

$154

$154

$119

$119

$147

$147

Mountain West Farm Bureau Mutual Ins.

$178

$202

$151

$170

$161

$182

$177

$201

$175

$198

$192

$219

$190

$216

$141

$159

$157

$178

Progressive Direct Insurance Co.

$333

$333

$280

$280

$304

$304

$312

$312

$289

$289

$318

$318

$318

$318

$249

$249

$277

$277

Progressive Northwestern Insurance Co.

$348

$348

$270

$270

$302

$302

$315

$315

$284

$284

$322

$322

$325

$325

$226

$226

$264

$264

Safeco Insurance Co.

$187

$187

$158

$158

$171

$171

$178

$178

$161

$161

$180

$180

$174

$174

$136

$136

$155

$155

State Farm Fire & Casualty Insurance Co.

$193

$228

$150

$177

$191

$226

$210

$249

$159

$188

$188

$223

$189

$224

$115

$136

$177

$210

State Farm Mutual Auto Insurance Co.

$168

$199

$131

$155

$166

$196

$183

$217

$137

$165

$165

$194

$165

$195

$100

$118

$155

$183

Travelers Insurance Co.

$297

$297

$248

$248

$250

$250

$315

$315

$260

$260

$274

$274

$286

$286

$207

$207

$226

$226

United Service Automobile Assoc.

$147

$160

$127

$138

$130

$141

$140

$153

$123

$134

$134

$146

$135

$147

$106

$115

$117

$127

USAA Casualty Insurance Co.

$148

$161

$128

$139

$131

$142

$141

$154

$124

$135

$135

$147

$136

$148

$107

$116

$118

$128

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

2017 Automobile Insurance Rate Comparison Guide


How to Shop for Auto Insurance Before buying insurance, consider contacting several insurance agents or companies to find the best combination of quality and price. Know what you want before you shop; you will be less likely to buy something you don’t need. And finally, ask several agents or companies for an annual premium quote for 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 drive a short distance to work. You drive fewer than 7,500 miles per year. You have had no accidents or violations. You have successfully completed a driver education course. You are a full-time student and your grade point average is 3.0 or above.

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 gives you time to consider more companies and prevents a hasty decision. Remember, if you change companies at a time other than the policy renewal date, you will be charged for the administrative costs of canceling the policy.

If you have been denied coverage by an insurance company due to an auto accident or traffic violation, try another company. Do not assume that you will be turned down by all companies. Different companies use different 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 A licensed agent can help you get insurance through the Montana Automobile Insurance Plan administered by the Western Association of Automobile Insurance Plans. However, this Plan should be a last resort because the premiums are generally higher than those sold by private companies.


C ONTACT I NFORMATION FOR C ONSUMERS ALLSTATE FIRE & CASUALTY INSURANCE CO.

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

1-800-255-7828

www.allstate.com

DEPOSITERS INSURANCE CO.

1100 Locust Des Moines, IA 50391

1-800-982-0756

www.nationwide.com

FARMERS ALLIANCE MUTUAL INSURANCE CO.

PO Box 1401 McPherson, KS 67460

1-620-241-2200 ext. 1505

www.fami.com

MID-CENTURY INSURANCE CO.

6301 Owensmouth Ave. Woodland Hills, CA 91367

1-800-327-6377

www.farmers.com

MOUNTAIN WEST FARM BUREAU MUTUAL INSURANCE CO.

931 Boulder Drive Laramie, WY 82070

1-307-745-4835

www.mwfbic.com

PROGRESSIVE DIRECT INSURANCE CO.

PO Box 31260 Tampa, FL 33631

1-800-888-7764

www.progressive.com

PROGRESSIVE NORTHWESTERN INSURANCE CO.

PO Box 6807 Cleveland, OH 44101

1-800-876-5581

www.progressiveagent.com

SAFECO INSURANCE COMPANY OF ILLINOIS

2012 Corporate Dr. Ste. 108 Naperville, IL 60563

800-332-3226

www.safeco.com

STATE FARM FIRE AND CASUALTY CO. STATE FARM MUTUAL AUTOMOBILE INSURANCE CO.

www.statefarm.com

TRAVELERS INSURANCE CO.

PO Box 59059 Knoxville, TN 37950-9059

1-800-842-5075

www.travelers.com

UNITED SERVICE AUTOMOBILE ASSOC. USAA CASUALTY INSURANCE CO.

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 Service 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.csimt.gov/your-insurance


C ONTACT U S C ONTACT U S Office of the Montana State Auditor

MONICACommissioner J. LINDEEN of Securities & Insurance Commissioner of Securities & Insurance Montana State Auditor CONSUMER HOTLINE 406-444-2040 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.csimt.gov

www.csi.mt.gov

The Office of the Commissioner of Securities and Insurance, Montana State Auditor, attempts to provide reasonable accommodation for any known disability that may interfere with a person's ability to participate in any service, program or activity of the agency. Alternative accessible formats of this document will be provided upon request. For more information call (406) 444-2040 or TDD (406) 444-3246.

2017 Montana Automobile Insurance Rate Comparison Guide  

The Commissioner of Securities and Insurance, Office of the Montana State Auditor, is pleased to provide you with the Montana 2017 Automobil...

Read more
Read more
Similar to
Popular now
Just for you