Car Insurance in Helena, MT

Car insurance in Helena, MT, lets you go to work, run errands and drive to hiking trails and ski runs with more protection.
Compare, shop and customize quotes from top-rated insurance carriers.

Driving in Helena

Helena, the capital of Montana, boasts many outdoor activities, including skiing and hiking. After all, Lewis and Clark National Forest is nearby. The city also features elaborate and beautiful Victorian architecture, thanks to a high concentration of millionaires in its earlier days. About 33,900 people live in Helena and can take advantage of the city's charms.

Public transportation is available via Capital Transit, but it can be limited. For example, buses do not run on weekends and holidays and operate from 7 a.m. to 6 p.m. Helena residents have two cars per household on average and usually drive alone to work.

Helena offers snow about nine months per year, with March getting the most snow at 7.4 inches on average. Wintry weather can increase the risk of car accidents, but the reality is that you are always at risk of being in an accident, no matter how safely you drive. Car insurance in Helena, MT, can offer protection and peace of mind. VIU by HUB rate comparisons simplify estimating costs from multiple insurers.

Montana Mandates for Car Insurance

Montana requires a basic level of liability coverage, called 25/50/20, that can help cover others' bodily injuries and property damage in an accident you cause. It offers $25,000 bodily injury protection for one person, $50,000 for two or more people's injuries and $20,000 for property damage.

This minimum level of car insurance in Helena, MT, may not offer enough coverage for your needs or your peace of mind. For instance, if you own a house or significant assets, they could be at risk if you are found at fault in an expensive accident and are sued. Consider getting enough protection so that your beloved assets are not at risk. Coverage of 50/100/50 or 100/300/100 may suffice, but each situation is unique. You may need even higher limits.

Montana Optional Auto Insurance

Uninsured motorist, medical payments, collision and comprehensive are common types of optional insurance in Montana. "Optional" can be a bit misleading, though, if you are financing your car. That's because lenders usually require you to have collision and comprehensive since these types help with car repairs or replacements.

Uninsured motorist can be helpful if you're in a crash with a driver who lacks enough insurance or even if you're hit by a hit-and-run driver. Medical payments can assist with medical expenses from an accident and offers a layer of protection in addition to health insurance.

Average Price Tag for Car Insurance in Helena, MT

Helena motorists pay an average of $131 a month or $1,573 a year to insure their cars. The various insurers calculate risk factors and rates differently, though, so it is always a good idea to compare rates.

Common variables include vehicle make and model, your driving history, age, gender, marital status and credit score, and the same details about other covered drivers in the household. Younger drivers tend to pay more, and people with a history of accidents or claims typically pay more as well.

You can somewhat control your rates by adjusting your deductible amounts, coverage types and policy limits. Even with these variables, though, rates can vary tremendously from one insurer to another. You can simplify finding the right car insurance in Helena, MT, for your needs by comparing multiple insurers' estimates with VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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