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Are you in need of cheap auto insurance in Butte, MT? From AutoInsuranceEZ.com, you will discover the best insurance rates near you. To find free car insurance rates from the top providers right now, input your zipcode in the quote box in this posting.

Back in the 1800’s, Butte began to flourish as a mining town. However, the close proximity of residential settlement to the area’s mining operations has yielded an unfortunate amount of environmental devastation over the decades. Today, Butte prides itself on the preservation of its historical buildings.

  • Fun fact: did you know that the annual St. Patrick’s Day celebration in Butte draws nearly 30,000 people each year?

Auto Insurance Coverage Requirements in Montana

Driving legally in Butte requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Remember that there’s a big difference between what minimum state coverage will cover, and what a comprehensive policy will protect. It might be more cost effective to reduce coverage on an older vehicle which you are no longer making payments on. But newer cars and trucks are definitely worth the extra coverage.

In certain areas of Montana, the average driver might be paying as much as $168 or more for their monthly premiums. But that doesn’t have to be true for most Butte drivers. In fact, if you act today, you might be able to lower your rates down to $32/mo* or less!

Average Monthly Insurance Premiums Legend: Butte National Farmers Union State Farm Cal Casualty Allstate Allied 5 10 15 20 25 30 35 40 45 $21 $27 $27 $37 $48

 

Between Cal Casualty, National Farmers Union, and State Farm, you’d be hard-pressed to find lower automotive insurance rates in Butte. But keep in mind that, while low rates are great, it might be worth a few extra dollars per month if you know your provider has excellent customer and claims services.

Montana car insurance carriers consider several factors when calculating insurance prices, including gender, driving violations, occupation, education, and current insurance coverage and limits. Also keep in mind that premiums differ from company to company. To find out if you are still receiving the cheapest rate, assess free quotes via the internet. Learn more about Butte here.

 

Major Car Insurance Factors in Butte

At the time your auto insurance provider prepares to come up with your insurance policy, they take several parameters into consideration. Some, such as your age or your precise location, are extremely hard to change. Here are various other examples:

  • Your Zip Code

Where you park your vehicle each night will probably have a serious impact on your auto insurance rate. Usually, car insurance cost less in rural regions merely because a lower number of vehicles means a smaller likelihood that you’ll get into any accident with some other automobile. The populace of Butte is 31,633 and also the typical household earnings are $38,808.

Auto Insurance by Zip Code Legend: Great Falls Missoula Butte Billings Bozeman National Farmers Union State Farm Cal Casualty Allstate Allied 5 10 15 20 25 30 35 40 45 $20 $19 $21 $20 $17 $28 $26 $27 $26 $21 $28 $27 $27 $28 $23 $44 $42 $37 $41 $39 $48 $41 $48 $43 $40

 

  • Automotive Accidents

Butte fatal accident statistics are fairly low, but they aren’t quite the lowest when it comes to per capita statistics. To prevent your premiums from rising because of this, ask your provider about Safe Driver discounts which might be available in your area.

Fatal Accidents in Butte, MT Legend: Butte Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 2 2 1 2 5 2

 

  • Auto Thefts in Butte

Sometimes in smaller cities or outlying towns, vehicle theft may still be a dilemma. In order to make it a lesser dilemma for you, think about installing a passive anti-theft system within your vehicle. Your auto insurance provider could reward you with cheaper prices! Within Butte, there were 152 auto thefts reported as recently as 2005. However, the fact that auto theft statistics haven’t been updated for Butte recently doesn’t mean that theft isn’t a problem. And the only way to reliably protect yourself from auto theft is with Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage National Farmers Union State Farm Cal Casualty Allstate Allied 10 20 30 40 50 60 70 80 90 100 110 120 130 $21 $119 $27 $94 $27 $130 $37 $110 $48 $105

 

  • Your Credit Score

It can get expensive for motorists with poor credit in Butte, because the vast majority of them are paying twice as much for their premiums than those with an excellent credit score. If you have poor credit, try tracking your score online and start taking steps to improve your personal rating.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit National Farmers Union State Farm Cal Casualty Allstate Allied 10 20 30 40 50 60 70 $18 $35 $22 $52 $22 $50 $30 $62 $42 $73

 

  • Your Age

It might seem unfair, but young drivers (and especially teenagers) have to pay drastically higher rates than almost any other motorist on the road. Some companies, as you can see in the chart below, don’t even want to insure them at all. That’s why Good Student and Driver’s Ed discounts are so helpful for young motorists; it can bring your monthly premiums down from impossibly high, to “affordable”.

Auto Policy Age Comparison Legend: 34 Year Old Male 17 Year Old National Farmers Union State Farm Cal Casualty Allstate Allied 10 20 30 40 50 60 70 80 90 100 110 120 $21 $27 $77 $27 $82 $37 $122 $48 $128

 

  • Your Driving Record

Your driving record can be tricky; after all, according to the chart above, some providers will raise your rates for getting a minor speeding ticket close to those of a major at-fault accident or a DUI. But talk to your provider about Accident Forgiveness, and see if you qualify for such savings.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident National Farmers Union State Farm Cal Casualty Allstate Allied 10 20 30 40 50 60 70 80 $21 $29 $39 $35 $27 $30 $30 $33 $27 $31 $62 $34 $37 $41 $50 $52 $48 $55 $89 $68

 

  • Your Vehicle

Expensive cars cost more to insure because of how much extra insurance coverage you must purchase in order to protect them properly. If you’re driving an old, used sedan, then it won’t cost much to replace (and therefore doesn’t require as much coverage). But a luxury vehicle, especially a newer one, could cost tens or even hundreds of thousands to repair/replace, and you need a large enough insurance policy to cover such a need.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder National Farmers Union State Farm Cal Casualty Allstate Allied 15 30 45 60 75 90 105 120 135 150 $21 $142 $27 $122 $27 $158 $37 $153 $48 $105

 

Minor Car Insurance Factors in Butte

Don’t overlook these other important factors, though:

  • Your Marital Status

It isn’t necessarily being married per se that automatically lowers your insurance rates. But being married puts you in the best position to bundle your policies, and save. Married couples can bundle their auto policies together, as well as other types of insurance which your company provides.

  • Your Gender

Odds are that your provider only asked you to check the “male” or “female” box on your application for bureaucratic purposes. Many of the major providers these days don’t charge drastically different rates based on gender alone. Of the few companies who still do, nobody can seem to decide which gender should pay the higher rate.

  • Your Driving Distance to Work

Luckily, commute times in Butte are usually short, falling somewhere between 12-17 minutes each way. Nearly 80% of residents will use their own vehicle in order to get from one place to another, while about 5-9% of workers would prefer to carpool.

Your insurance provider does take your annual mileage into account when calculating your rates, but it doesn’t make a dramatic impact. Even if you cut your driving by 5,000 miles per year or more, you might only see a 3-4% difference in price.

  • Your Coverage and Deductibles

Raising your deductible is an easy way to lower your monthly premiums. However, it can get expensive in the event you need to file a claim. If you’re going to employ this strategy, make sure you put a little extra money away so that you can cover your deductible in a worst case scenario.

  • Education in Butte, MT

Over one-third of Butte residents have achieved their high school diploma or some other similar equivalent. Nearly 17% also have one year or more of college experience. But for those who have taken their education above and beyond their high school years, there is one additional benefit to look forward to: discounted rates on your auto insurance. It may sound strange, but you’ll get better discounts for having a higher education than you will based on your job title or how much you earn each year.

Servicing the nearby area of Butte is Montana Tech, a technical school offering bachelor’s and master’s degrees in areas such as mining, engineering, a variety of scientific fields, and nursing. And for those aspiring to enter the aesthetics industry, there is also the Butte Academy of Beauty.

Identifying your individual financial risk can be extremely difficult or inconceivable for the standard insurance customer. Insurance providers have got an edge on shoppers due to their data and experiential expertise. Learn the things insurance agencies don’t expect anyone to learn.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Montana Commissioner of Securities and Insurance

Montana Division of Banking and Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

You can get up to 5 free rate quotes risks merely by entering your Zip Code into the calculator below.

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