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M ONTANA AUTOMOBILE INSURANCE

2018 RATE COMPARISON GUIDE


Dear Fellow Montanan:

The Commissioner of Securities and Insurance, Office of the Montana State Auditor, is pleased to provide you with the Montana 2018 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 can also find additional information and resources on the CSI web site at www.csimt.gov. Sincerely,

Matthew M. Rosendale, Sr. Commissioner of Securities & Insurance Montana State Auditor


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.

Top selling companies that sell auto liability insurance in Montana were invited to participate in our survey. Sample rates from the companies that chose to participate are featured in the charts on pages 6-12. 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, 2018. 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.

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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

2


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 2012 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 one most closely matches your insurance situation, refer to example one chart on page 6 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 2014 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 2007 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 2002 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 2007 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 2002 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 two most closely matches your insurance situation, refer to example two chart on page 7 for sample rate quotes. 3


EXAMPLE THREE These premiums apply to a 27-year-old with previous insurance that drives a 2017 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 three most closely matches your insurance situation, refer to example three chart on page 8 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 2017 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 2014 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 four most closely matches your insurance situation, refer to example four chart on page 9 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 2013 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 2016 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 2008 Chevrolet Impala. 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 2004 Ford Focus sedan to and from school, five miles each way, five days a week. The 18-year-old drives a 2008 Chevrolet Impala to and from school, five miles each way, five days a week. The annual total mileage is 5,000 on each vehicle. 

If example five most closely matches your insurance situation, refer to example five chart on page 10 for sample rate quotes.

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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 2013 Honda Odyssey 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 2016 GMC Sierra 2500 pickup for farm use only. The annual total mileage on this vehicle is 15,000. The 14 and 15year-old have valid operator’s licenses and drive a 1997 Ford F150 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2007 Subaru Legacy wagon 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 six most closely matches your insurance situation, refer to example six chart on page 11 for sample rate quotes.

EXAMPLE SEVEN

These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2018 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 seven most closely matches your insurance situation, refer to example seven chart on page 12 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.

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EXAMPLE ONE

These premiums apply to a 19-year-old who drives a 2012 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.

$636

$982

$615

$949

$576

$883

$711

$1,113

$573

$879

$713

$1,115

$675

$1,049

$496

$747

$713

$1,115

CSAA Fire & Casualty Insurance Co.

$706

$1,783

$866

$2,184

$592

$1,489

$668

$1,678

$866

$2,184

$737

$1,864

$665

$1,675

$624

$1,571

$687

$1,723

Depositors Insurance Co.

$978

$1,204

$764

$934

$959

$1,179

$928

$1,138

$786

$962

$872

$1,070

$771

$943

$746

$913

$917

$1,126

Farmers Alliance Mutual Insurance Co.

$459

$627

$331

$451

$414

$565

$414

$565

$427

$584

$331

$451

$427

$584

$294

$399

$331

$451

Garrison Property & Casualty Insurance Co.

$345

$450

$294

$383

$300

$391

$326

$424

$285

$371

$309

$402

$315

$410

$243

$316

$269

$350

Mid-Century Insurance Co.

$539

$664

$465

$572

$469

$577

$473

$583

$515

$632

$496

$608

$515

$632

$408

$500

$496

$608

Mountain West Farm Bureau Mutual Ins.

$858

$1,584

$692

$1,276

$753

$1,390

$853

$1,573

$841

$1,553

$954

$1,761

$937

$1,729

$640

$1,181

$739

$1,364

Progressive Direct Insurance Co.

$756

$901

$599

$710

$657

$783

$684

$814

$624

$741

$689

$822

$703

$836

$506

$595

$572

$678

$804

$988

$898

$1,103

$941

$1,154

$846

$1,039

$949

$1,166

$974

$1,195

$659

$806

$767

$941

Progressive Northwestern Insurance Co.

$1,054 $1,297

Safeco Insurance Co.

$690

$951

$523

$721

$565

$778

$612

$843

$536

$739

$616

$849

$581

$800

$426

$587

$489

$675

State Farm Fire & Casualty Insurance Co.

$758

$1,451

$584

$1,117

$741

$1,418

$828

$1,585

$622

$1,189

$731

$1,399

$720

$1,378

$434

$829

$654

$1,252

State Farm Mutual Auto Insurance Co.

$599

$731

$462

$563

$586

$714

$654

$798

$491

$599

$578

$705

$569

$694

$343

$418

$517

$630

Travelers Insurance Co.

$610

$790

$492

$632

$495

$636

$651

$846

$520

$669

$551

$709

$584

$755

$393

$500

$437

$556

United Service Automobile Assoc.

$244

$337

$209

$288

$213

$294

$231

$319

$202

$279

$220

$304

$223

$308

$173

$237

$191

$263

USAA Casualty Insurance Co.

$259

$358

$222

$306

$227

$313

$245

$339

$215

$296

$234

$323

$237

$327

$184

$252

$203

$280

USAA General Indemnity Co.

$241

$333

$207

$285

$211

$291

$228

$315

$200

$276

$217

$300

$221

$304

$171

$235

$189

$260

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

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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 2014 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 2007 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 2002 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 2007 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 2002 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.

$1,736 $1,736 $1,667 $1,667 $1,536 $1,536 $1,954 $1,954 $1,524 $1,524 $1,960 $1,960 $1,848 $1,848 $1,293 $1,293 $1,960 $1,960

CSAA Fire & Casualty Insurance Co.

$1,409 $1,783 $1,722 $2,181 $1,171 $1,481 $1,316 $1,669 $1,722 $2,181 $1,476 $1,871 $1,320 $1,674 $1,236 $1,565 $1,349 $1,709

Depositors Insurance Co.

$1,527 $1,527 $1,198 $1,198 $1,496 $1,496 $1,445 $1,445 $1,232 $1,232 $1,362 $1,362 $1,208 $1,208 $1,172 $1,172 $1,431 $1,431

Farmers Alliance Mutual Insurance Co.

$815

$879

$583

$627

$733

$790

$733

$790

$757

$818

$583

$627

$757

$818

$517

$558

$583

$627

$869

$905

$964

$1,003

Garrison Property & Casualty Insurance Co.

$1,237 $1,289 $1,055 $1,098 $1,078 $1,122 $1,169 $1,218 $1,021 $1,062 $1,111 $1,156 $1,128 $1,174

Mid-Century Insurance Co.

$1,705 $1,705 $1,487 $1,487 $1,496 $1,496 $1,482 $1,482 $1,662 $1,662 $1,594 $1,594 $1,662 $1,662 $1,337 $1,337 $1,594 $1,594

Mountain West Farm Bureau Mutual Ins.

$2,023 $2,023 $1,627 $1,627 $1,775 $1,775 $2,009 $2,009 $1,985 $1,985 $2,249 $2,249 $2,213 $2,213 $1,497 $1,497 $1,735 $1,735

Progressive Direct Insurance Co.

$1,494 $1,494 $1,149 $1,149 $1,278 $1,278 $1,336 $1,336 $1,205 $1,205 $1,347 $1,347 $1,378 $1,378

Progressive Northwestern Insurance Co.

$1,934 $1,934 $1,468 $1,468 $1,650 $1,650 $1,730 $1,730 $1,551 $1,551 $1,755 $1,755 $1,794 $1,794 $1,204 $1,204 $1,421 $1,421

Safeco Insurance Co.

$1,870 $1,870 $1,392 $1,392 $1,520 $1,520 $1,648 $1,648 $1,454 $1,454 $1,693 $1,693 $1,577 $1,577 $1,150 $1,150 $1,347 $1,347

State Farm Fire & Casualty Insurance Co.

$1,768 $1,768 $1,363 $1,363 $1,728 $1,728 $1,929 $1,929 $1,450 $1,450 $1,705 $1,705 $1,679 $1,679 $1,014 $1,014 $1,526 $1,526

State Farm Mutual Auto Insurance Co.

$1,397 $1,397 $1,078 $1,078 $1,366 $1,366 $1,525 $1,525 $1,147 $1,147 $1,348 $1,348 $1,327 $1,327

$802

$802

Travelers Insurance Co.

$1,345 $1,387 $1,062 $1,098 $1,068 $1,103 $1,440 $1,487 $1,126 $1,164 $1,196 $1,235 $1,278 $1,321

$826

$850

$922

$951

United Service Automobile Assoc.

$1,158 $1,205

$1,001 $1,063 $1,106 $1,060 $1,102

$817

$849

$909

$945

USAA Casualty Insurance Co.

$1,230 $1,279 $1,051 $1,093 $1,080 $1,123 $1,174 $1,221 $1,022 $1,062 $1,127 $1,172 $1,125 $1,170

$868

$902

$965

$1,003

$588

$611

$650

$675

USAA General Indemnity Co.

$827

$860

$990

$709

$1,029 $1,017 $1,058 $1,107 $1,151

$736

$725

$753

$785

$816

$962

$687

$714

Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 7

$748

$777

$757

$786

$945

$945

$1,093 $1,093

$1,207 $1,207


EXAMPLE THREE

These premiums apply to a 27-year-old with previous insurance that drives a 2017 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

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.

$284

$313

$278

$305

$267

$291

$305

$338

$263

$288

$307

$339

$296

$327

$242

$262

$307

$339

CSAA Fire & Casualty Insurance Co.

$370

$493

$457

$607

$315

$416

$354

$470

$457

$607

$386

$514

$350

$465

$330

$438

$367

$485

Depositors Insurance Co.

$453

$515

$366

$413

$446

$506

$437

$494

$375

$423

$413

$467

$370

$417

$359

$404

$431

$489

Farmers Alliance Mutual Insurance Co.

$219

$219

$160

$160

$197

$197

$197

$197

$204

$204

$160

$160

$204

$204

$143

$143

$160

$160

Garrison Property & Casualty Insurance Co.

$214

$249

$183

$213

$187

$217

$203

$235

$178

$206

$193

$224

$196

$227

$152

$177

$168

$195

Mid-Century Insurance Co.

$251

$329

$213

$278

$215

$281

$221

$288

$232

$303

$223

$291

$232

$303

$180

$235

$223

$291

Mountain West Farm Bureau Mutual Ins.

$732

$761

$590

$613

$642

$668

$727

$756

$717

$746

$814

$846

$799

$831

$546

$568

$631

$656

Progressive Direct Insurance Co.

$283

$351

$240

$292

$258

$318

$264

$327

$246

$301

$268

$332

$270

$333

$213

$257

$233

$285

Progressive Northwestern Insurance Co.

$321

$400

$250

$311

$278

$347

$291

$362

$263

$327

$296

$368

$299

$373

$210

$260

$244

$302

Safeco Insurance Co.

$217

$278

$166

$212

$183

$234

$195

$250

$173

$223

$199

$258

$188

$242

$138

$178

$163

$210

State Farm Fire & Casualty Insurance Co.

$325

$391

$251

$303

$317

$382

$354

$426

$267

$322

$313

$377

$309

$372

$188

$227

$281

$338

State Farm Mutual Auto Insurance Co.

$257

$285

$199

$220

$251

$278

$280

$310

$212

$234

$248

$275

$244

$271

$149

$165

$222

$246

Travelers Insurance Co.

$328

$406

$273

$333

$275

$336

$349

$434

$287

$352

$302

$373

$316

$392

$228

$274

$248

$303

United Service Automobile Assoc.

$155

$179

$134

$154

$137

$158

$148

$170

$130

$150

$141

$163

$143

$164

$112

$129

$123

$142

USAA Casualty Insurance Co.

$165

$191

$142

$164

$145

$168

$157

$181

$138

$159

$150

$173

$151

$175

$119

$137

$131

$151

USAA General Indemnity Co.

$171

$197

$147

$170

$150

$173

$162

$187

$143

$165

$155

$179

$157

$181

$123

$141

$135

$156

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

8


EXAMPLE FOUR

These premiums apply to a two-person household, ages 30 and 35, whom have previous insurance. The 30-year-old drives a 2017 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 2014 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

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.

$396

$428

$385

$415

$366

$393

$429

$465

$359

$387

$432

$468

$415

$449

$326

$349

$432

$468

CSAA Fire & Casualty Insurance Co.

$447

$561

$548

$688

$375

$469

$423

$531

$548

$688

$467

$586

$421

$529

$395

$495

$436

$545

Depositors Insurance Co.

$533

$574

$431

$462

$526

$566

$510

$548

$441

$473

$477

$512

$433

$464

$424

$455

$499

$536

Farmers Alliance Mutual Insurance Co.

$257

$257

$187

$187

$233

$233

$233

$233

$241

$241

$187

$187

$241

$241

$163

$163

$187

$187

Garrison Property & Casualty Insurance Co.

$370

$406

$318

$349

$324

$355

$350

$383

$308

$338

$332

$364

$339

$371

$266

$291

$292

$320

Mid-Century Insurance Co.

$339

$395

$283

$329

$285

$332

$288

$335

$307

$357

$289

$336

$307

$357

$237

$275

$289

$336

$891

$910

$974

$995

$814

$832

$947

$968

Mountain West Farm Bureau Mutual Ins.

$1,111 $1,135

$1,102 $1,126 $1,090 $1,114 $1,234 $1,261 $1,217 $1,244

Progressive Direct Insurance Co.

$381

$494

$314

$398

$341

$436

$353

$452

$324

$412

$355

$458

$357

$460

$271

$340

$300

$383

Progressive Northwestern Insurance Co.

$447

$585

$349

$453

$389

$504

$404

$527

$365

$474

$410

$536

$415

$543

$293

$376

$337

$436

Safeco Insurance Co.

$301

$396

$231

$301

$250

$329

$269

$353

$237

$312

$271

$361

$257

$339

$189

$248

$218

$290

State Farm Fire & Casualty Insurance Co.

$555

$618

$430

$479

$542

$605

$605

$674

$457

$509

$535

$597

$527

$588

$322

$359

$480

$535

State Farm Mutual Auto Insurance Co.

$439

$486

$340

$377

$429

$476

$479

$530

$362

$400

$424

$469

$418

$462

$255

$282

$380

$421

Travelers Insurance Co.

$454

$592

$372

$479

$374

$480

$481

$632

$390

$504

$408

$533

$435

$568

$300

$383

$328

$420

United Service Automobile Assoc.

$288

$312

$249

$269

$254

$275

$274

$296

$242

$261

$261

$283

$265

$286

$210

$226

$230

$248

USAA Casualty Insurance Co.

$307

$332

$265

$287

$271

$293

$291

$316

$258

$279

$278

$301

$282

$305

$224

$242

$245

$265

USAA General Indemnity Co.

$317

$343

$274

$296

$279

$302

$301

$326

$266

$287

$287

$310

$291

$315

$230

$249

$252

$273

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

9


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 2013 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 2016 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 2008 Chevrolet Impala. 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 2004 Ford Focus sedan, to and from school, five miles each way, five days a week. The 18-year-old drives a 2008 Chevrolet Impala 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

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.

$1,698 $1,986 $1,632 $1,908 $1,506 $1,764 $1,912 $2,240 $1,493 $1,747 $1,919 $2,249 $1,809 $2,119 $1,268 $1,481 $1,919 $2,249

CSAA Fire & Casualty Insurance Co.

$1,989 $2,000 $2,437 $2,448 $1,657 $1,661 $1,860 $1,868 $2,437 $2,448 $2,100 $2,108 $1,867 $1,877 $1,747 $1,753 $1,909 $1,916

Depositors Insurance Co.

$1,885 $2,444 $1,473 $1,907 $1,845 $2,392 $1,782 $2,309 $1,516 $1,964 $1,681 $2,178 $1,486 $1,924 $1,439 $1,864 $1,768 $2,291

Farmers Alliance Mutual Insurance Co.

$635

$778

$453

$554

$572

$701

$572

$701

$590

$724

$453

$554

$590

$724

$401

$491

$453

$554

Garrison Property & Casualty Insurance Co.

$957

$1,580

$819

$1,349

$837

$1,381

$906

$1,498

$793

$1,308

$862

$1,427

$875

$1,443

$679

$1,115

$750

$1,235

Mid-Century Insurance Co.

$1,809 $2,261 $1,546 $1,931 $1,557 $1,946 $1,550 $1,935 $1,707 $2,133 $1,621 $2,024 $1,707 $2,133 $1,349 $1,686 $1,621 $2,024

Mountain West Farm Bureau Mutual Ins.

$2,678 $3,468 $2,153 $2,789 $2,349 $3,042 $2,659 $3,443 $2,627 $3,402 $2,977 $3,855 $2,930 $3,793 $1,981 $2,568 $2,296 $2,975

Progressive Direct Insurance Co.

$2,049 $2,226 $1,570 $1,703 $1,743 $1,896 $1,823 $1,984 $1,644 $1,787 $1,830 $1,998 $1,876 $2,045 $1,276 $1,386 $1,470 $1,608

Progressive Northwestern Insurance Co.

$2,571 $3,029 $1,948 $2,290 $2,183 $2,574 $2,289 $2,698 $2,054 $2,419 $2,312 $2,729 $2,370 $2,800 $1,587 $1,869 $1,861 $2,201

Safeco Insurance Co.

$2,600 $2,670 $1,946 $1,968 $2,137 $2,172 $2,302 $2,350 $2,058 $2,087 $2,397 $2,449 $2,224 $2,265 $1,649 $1,647 $1,939 $1,956

State Farm Fire & Casualty Insurance Co.

$1,803 $2,234 $1,391 $1,725 $1,762 $2,184 $1,967 $2,438 $1,480 $1,834 $1,739 $2,155 $1,712 $2,123 $1,036 $1,285 $1,557 $1,930

State Farm Mutual Auto Insurance Co.

$1,343 $1,762 $1,036 $1,359 $1,312 $1,722 $1,465 $1,923 $1,102 $1,446 $1,295 $1,699 $1,275 $1,674

Travelers Insurance Co.

$1,980 $1,995 $1,555 $1,572 $1,573 $1,588 $2,148 $2,164 $1,663 $1,677 $1,793 $1,806 $1,900 $1,914 $1,203 $1,216 $1,373 $1,384

$771

$1,012 $1,159 $1,522

United Service Automobile Assoc.

$834

$1,412

$715

$1,209

$734

$1,244

$797

$1,352

$696

$1,177

$766

$1,302

$764

$1,294

$724

$1,001

$658

$1,112

USAA Casualty Insurance Co.

$886

$1,501

$761

$1,285

$781

$1,321

$847

$1,436

$740

$1,251

$813

$1,381

$813

$1,375

$633

$1,065

$700

$1,182

USAA General Indemnity Co.

$633

$1,034

$545

$888

$557

$909

$601

$983

$529

$862

$574

$940

$580

$947

$455

$739

$501

$816

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

10


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 2013 Honda Odyssey 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 2016 GMC Sierra 2500 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 1997 Ford F150 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2007 Subaru Legacy wagon, 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

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.

$1,765 $1,871 $1,698 $1,801 $1,570 $1,669 $1,995 $2,123 $1,558 $1,656 $2,002 $2,130 $1,885 $2,003 $1,319 $1,398 $2,002 $2,130

CSAA Fire & Casualty Insurance Co.

$1,660 $2,020 $2,032 $2,470 $1,381 $1,679 $1,554 $1,889 $2,032 $2,470 $1,744 $2,121 $1,558 $1,894 $1,456 $1,773 $1,592 $1,935

Depositors Insurance Co.

$1,570 $1,735 $1,239 $1,513 $1,540 $1,893 $1,487 $1,825 $1,274 $1,557 $1,400 $1,716 $1,248 $1,525 $1,214 $1,481 $1,470 $1,804

Farmers Alliance Mutual Insurance Co.

$705

$738

$508

$532

$635

$665

$635

$665

$656

$688

$508

$532

$656

$688

$453

$475

$508

$532

$876

$908

$968

$1,003

Garrison Property & Casualty Insurance Co.

$1,238 $1,283 $1,058 $1,096 $1,081 $1,120 $1,170 $1,212 $1,025 $1,061 $1,111 $1,151 $1,130 $1,171

Mid-Century Insurance Co.

$2,499 $2,499 $2,152 $2,152 $2,197 $2,197 $2,191 $2,191 $2,421 $2,421 $2,302 $2,302 $2,421 $2,421 $1,926 $1,926 $2,302 $2,302

Mountain West Farm Bureau Mutual Ins.

$2,253 $2,543 $1,806 $2,040 $1,976 $2,230 $2,234 $2,522 $2,211 $2,496 $2,505 $2,825 $2,469 $2,787 $1,651 $1,865 $1,921 $2,169

Progressive Direct Insurance Co.

$1,986 $2,644 $1,523 $2,017 $1,689 $2,242 $1,767 $2,348 $1,593 $2,114 $1,777 $2,360 $1,819 $2,420 $1,236 $1,635 $1,425 $1,890

Progressive Northwestern Insurance Co.

$2,256 $3,159 $1,712 $2,392 $1,920 $2,685 $2,012 $2,813 $1,807 $2,522 $2,036 $2,844 $2,084 $2,916 $1,398 $1,947 $1,644 $2,288

Safeco Insurance Co.

$2,054 $2,108 $1,559 $1,594 $1,692 $1,735 $1,825 $1,871 $1,623 $1,667 $1,869 $1,926 $1,750 $1,798 $1,308 $1,342 $1,510 $1,557

State Farm Fire & Casualty Insurance Co.

$1,727 $1,812 $1,334 $1,400 $1,688 $1,771 $1,884 $1,977 $1,418 $1,489 $1,666 $1,748 $1,641 $1,722

$994

State Farm Mutual Auto Insurance Co.

$1,365 $1,533 $1,055 $1,184 $1,335 $1,499 $1,489 $1,673 $1,122 $1,259 $1,317 $1,479 $1,297 $1,457

$787

$882

Travelers Insurance Co.

$1,416 $1,428 $1,120 $1,132 $1,124 $1,134 $1,509 $1,533 $1,182 $1,198 $1,248 $1,273 $1,341 $1,362

$856

$876

$962

$981

United Service Automobile Assoc.

$1,107 $1,150

$1,012 $1,058 $1,099

$924

$1,017 $1,056 $1,015 $1,054

$788

$818

$873

$907

USAA Casualty Insurance Co.

$1,177 $1,222 $1,009 $1,048 $1,036 $1,075 $1,124 $1,167

$981

$1,019 $1,079 $1,120 $1,078 $1,120

$838

$870

$928

$964

$562

$582

$619

$641

USAA General Indemnity Co.

$781

$810

$949

$673

$986

$697

$975

$687

$712

$742

$768

$653

$959

$676

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

11

$707

$733

$716

$742

$1,044 $1,492 $1,566 $1,180 $1,324


EXAMPLE SEVEN

These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2018 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

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.

$278

$294

$271

$287

$260

$275

$298

$319

$257

$273

$299

$320

$289

$308

$237

$248

$299

$320

CSAA Fire & Casualty Insurance Co.

$253

$253

$313

$313

$214

$214

$242

$242

$313

$313

$264

$264

$240

$240

$226

$226

$250

$250

Depositors Insurance Co.

$447

$447

$358

$358

$441

$441

$428

$428

$367

$367

$399

$399

$360

$360

$352

$352

$418

$418

Farmers Alliance Mutual Insurance Co.

$199

$199

$150

$150

$180

$180

$180

$180

$186

$186

$150

$150

$186

$186

$136

$136

$150

$150

Garrison Property & Casualty Insurance Co.

$208

$230

$178

$197

$182

$201

$197

$217

$173

$190

$187

$206

$190

$210

$148

$163

$163

$180

Mid-Century Insurance Co.

$212

$212

$182

$182

$183

$183

$188

$188

$200

$200

$193

$193

$200

$200

$157

$157

$193

$193

Mountain West Farm Bureau Mutual Ins.

$888

$888

$712

$712

$779

$779

$881

$881

$872

$872

$987

$987

$973

$973

$651

$651

$757

$757

Progressive Direct Insurance Co.

$336

$336

$282

$282

$307

$307

$316

$316

$291

$291

$322

$322

$321

$321

$251

$251

$278

$278

Progressive Northwestern Insurance Co.

$375

$375

$291

$291

$327

$327

$339

$339

$305

$305

$348

$348

$350

$350

$243

$243

$286

$286

Safeco Insurance Co.

$227

$227

$183

$183

$197

$197

$207

$207

$186

$186

$209

$209

$200

$200

$157

$157

$175

$175

State Farm Fire & Casualty Insurance Co.

$235

$278

$183

$216

$230

$272

$256

$303

$194

$229

$227

$268

$224

$264

$137

$162

$204

$241

State Farm Mutual Auto Insurance Co.

$186

$220

$145

$171

$182

$215

$203

$240

$154

$181

$180

$213

$177

$209

$109

$128

$161

$191

Travelers Insurance Co.

$292

$305

$247

$257

$248

$259

$310

$325

$259

$269

$271

$284

$283

$295

$208

$217

$226

$235

United Service Automobile Assoc.

$157

$171

$135

$147

$138

$150

$149

$162

$131

$143

$142

$155

$144

$157

$113

$123

$124

$135

USAA Casualty Insurance Co.

$166

$182

$143

$156

$146

$159

$158

$172

$139

$151

$150

$164

$153

$166

$120

$130

$132

$144

USAA General Indemnity Co.

$165

$180

$142

$155

$145

$158

$156

$170

$138

$150

$149

$162

$151

$165

$119

$129

$130

$142

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

12


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.

13


C ONTACT I NFORMATION FOR C ONSUMERS

ALLSTATE FIRE & CASUALTY INSURANCE CO.

2775 Sanders Rd. Northbrook, IL 60062-6127

1-800-255-7828

CSAA FIRE & CASUALTY INSURANCE CO.

3055 Oak Rd. Walnut Creek, CA 94597

1-925-279-1506

DEPOSITERS INSURANCE CO.

1100 Locust Des Moines, IA 50391-0203

1-800-982-0756

www.nationwide.com

FARMERS ALLIANCE MUTUAL INSURANCE CO.

PO Box 1401 McPherson, KS 67460

1-620-241-2200

www.fami.com

GARRISON PROPERTY & CASUALTY INSURANCE CO.

9800 Fredericksburg Rd. San Antonio, TX

1-210-531-8722

MID-CENTURY INSURANCE CO.

6301 Owensmouth Ave. Woodland Hills, CA 91367

1-818-965-0719

www.farmers.com

MOUNTAIN WEST FARM BUREAU MUTUAL INS. CO.

931 Boulder Dr. Laramie, WY 82073

1-877-742-9991

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.allstate.com

www.statefarm.com

TRAVELERS INSURANCE CO.

PO Box 59059 Knoxville, TN 37950-9059

1-800-842-5075

www.travelers.com

UNITED SERVICES AUTOMOBILE ASSOC. USAA CASUALTY INSURANCE CO. USAA GENERAL INDEMNITY CO.

9800 Fredericksburg Rd. San Antonio, TX 78288

1-210-531-8722

www.usaa.com

14


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 Assoc, USAA Casualty Insurance Co, USAA General Indemnity Co, and Garrison Property & Casualty. USAA Group Property & Casualty group of companies’ products are generally available to

active, retired and separated (with a discharge type of “Honorable”) U.S. military personnel, National Guard, Selected Reserve, and their families.

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

15


C ONTACT U S C ONTACT U S the Montana State Auditor J. LofINDEEN MONICAOffice

Commissioner 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 r 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

16

2018 Automobile Insurance Rate Comparison Guide  
2018 Automobile Insurance Rate Comparison Guide  
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