Home Car insurance Average car insurance cost Car insurance rates by state Montana Helena, MT Average car insurance cost in Helena, MT The car insurance rates in Helena, Montana is $1,942 per year. Nationwide offers the cheapest car insurance in Helena at $1,090 per year. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Based on an analysis by Insure.com, the typical car insurance expense in Helena, Montana is $1,942 annually. Furthermore, car insurance premiums in Helena are $251 less than compared to the state average in Montana and $47 more than the national average. Graph Table City average ratesState average ratesNational average cost$1,942$2,193$1,895 Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism. This article looks at the most affordable car insurance companies in Helena, the average car insurance rates by age and gender, and the costs in Helena based on coverage limits.Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Helena. Keep reading to learn more.Key TakeawaysThe annual cost of car insurance in Helena, Montana is $1,942.Nationwide provides the most affordable car insurance in Helena at $1,090 annually.Young adults in Helena can expect to pay approximately $3,149 annually for car insurance.Cheap car insurance companies in HelenaNationwide provides the best value for car insurance in Helena with coverage limits of 100/300/100, costing $1,090 annually.A close second is State Farm, which offers car insurance at $1,621 per year. Affordable car insurance providers in Helena Graph Table Company NameAverage annual costAverage monthly costNationwide$1,090$91State Farm$1,621$135Geico$1,889$157Progressive$1,977$165Kemper$2,309$192Farmers$2,805$234Allstate$3,003$250USAA$844$70 Read about the best car insurance companies.Average car insurance cost in Helena by coverage limitsThe average car insurance rates in Helena based on coverage types are as follows:State minimum coverage: $383 per year (limits are 25/50/25)Liability only coverage: $576 per year (limits are 50/100/50)Full coverage: $1,942 per year (limits are 100/300/100)Non-owners coverage: $323 per yearIn many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.Average car insurance rates by gender in HelenaThe average car insurance rate for a female driver in Helena, Montana, is $1,957 per year.While the rate for a male driver is $1,927 per year, which is $30 less than what female drivers pay, according to a rate analysis by Insure.com.Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.Read more on how gender affects car insurance rates.Average car insurance rates by age in HelenaIn Helena, car insurance rates are the highest for teens, at $6,272 per year or $523 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,149 per year for their car insurance which is $3,123 less than what the teens pay for their insurance policy.The car insurance rates in Helena for adult and senior drivers are $1,928 and $1,955 per year respectively.The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.Read more on auto insurance for seniors.The table below depicts the average annual rates for drivers of different age groups: Car insurance rates by age groups in Helena Graph Table Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$6,272$3,149$1,928$1,955 Car insurance rate trends in HelenaIf we look at the car insurance rates trends in Helena, Montana, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 30%, or $450.The table below shows the trend for last four years: How car insurance rates are changing in Helena Graph Table 2016 rates2019 rates2022 rates2023 rates$1,123$1,725$1,492$1,942 ConclusionIn conclusion, the insurance rates in Helena, are lower than the average insurance cost in Montana. Shopping around and taking advantage of available discounts, drivers in Helena can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.SourcesInsurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesBillingsBozemanGreat FallsMissoulaPrachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in HelenaAverage car insurance cost in Helena by coverage limitsAverage car insurance rates by gender in HelenaAverage car insurance rates by age in HelenaCar insurance rate trends in HelenaConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates