Montana Auto Insurance Regulations
Helping Montana consumers make informed decisions on auto insurance
MONTANA
2007
Automobile Insurance
Rate Comparison Guide
MONTANA STATE AUDITOR
J
OHN MORRISON
COMMISSIONER OF INSURANCE
COMMISSIONER OF SECURITIES
Protecting Montana's Consumers
Montana State Auditor
John Morrison
John Morrison was elected Montana State Auditor, the
Commissioner of Insurance and Securities in November
2000 and was re-elected in 2004. One of his top
priorities as State Auditor has been to increase the
accessibility and affordability of all types of insurance
for Montana families through legislative and regulatory
efforts. He has worked to protect Montana's consumers
while maintaining a competitive insurance market.
MONTANA STATE AUDITOR
COMMISSIONER OF INSURANCE
JOHN MORRISON
COMMISSIONER OF SECURITIES
Dear Montana Consumer:
I am pleased to provide you with a copy of the 2007
Automobile Insurance Rate Comparison Guide. One of my
goals as insurance commissioner is to help you be an
informed buyer. It is my belief that an important factor in
maintaining a healthy, competitive marketplace is providing
consumers with the tools they need to compare insurance
rates.
This guide gives you a general idea of rates available in
Montana. For specific information, you must contact the
individual insurance companies.
Comparison shopping takes time, but can save you money. I
encourage you to put this guide to work for you. If you have
any questions or need additional assistance, please feel free
to contact the Policyholder Services Division by phone or
through our Web site at www.sao.mt.gov. Our toll-free
number outside Helena is 1-800-332-6148 and the number in
Helena is 444-2040.
Sincerely,
John Morrison
Montana State Auditor &
Insurance Commissioner
840 Helena Avenue Helena, MT 59601 406-444-2040 800-332-6148 www.sao.mt.gov
About this guide:
This guide compares how much Montana drivers might pay for
auto liability insurance coverage based on seven examples in
nine different geographic areas: Billings, Butte, Bozeman, Great
Falls, Helena, Kalispell, Missoula, Scobey and Thompson Falls.
Fifteen of the auto liability insurance companies that write
the most insurance in Montana chose to participate in our
survey.
If you find any terms, phrases or concepts confusing, we
encourage you to read the Montana Consumer's Guide to
Auto Insurance.
Assumptions used to obtain quotes:
The premium quotes from the insurance companies listed in this
guide are:
· Based on the amount you pay every six months.
· Based on three years of driving experience.
· Based on rates in effect as of January 1, 2007. 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 $10,000
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 stated, these limits are $25,000 bodily injury
coverage for one person, $50,000 for coverage of bodily injury
for two or more people, and $10,000 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 probably will require you to
buy Comprehensive and Collision coverage. The state's
minimum requirements do NOT include those coverages. There
are also other coverages you may wish to consider that are 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.
Lastly, if you have any questions or concerns regarding any type
of insurance, please call our office at 1-800-332-6148. We would
be more than happy to assist you.
How to use this guide:
Seven different insurance scenarios are outlined. Find the
example that best matches your situation. Refer to the
corresponding chart in the following pages and find your
geographic region. The chart accompanying each example
outlines the quotes received from insurers responding to our
survey.
Example 1
These premiums apply to a 19-year-old who drives a 2002
Ford Escort 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.
Coverages: 25/50/10 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.
If example 1 most closely matches your insurance
situation, refer to example 1 chart for sample rate quotes.
Example 2
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
2005 Ford Taurus Sedan 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 just received their license, 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.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
A) The 17-year-old drives a 2002 Chevrolet Blazer 4WD, 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 Nissan Pathfinder 4WD 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 2002 Chevrolet Blazer 4WD, 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 Nissan Pathfinder 4WD 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 3
These premiums apply to a 27-year-old with previous
insurance that drives a 2006 Chrysler Sebring to and from
work, 20 miles each way, five days a week, for an annual
total mileage of 15,000.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
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 4
These premiums apply to a two-person household, ages 30
and 35, both have previous insurance. The 30-year-old
drives a 2005 Chrysler PT Cruiser 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 2005 Durango (2WD) to
and from work, 20 miles each way, five days a week, for an
annual total mileage of 20,000.
Coverages: 25/50/10 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.
If example 4 most closely matches your insurance
situation, refer to example 4 chart for sample rate quotes.
Example 5
These premiums apply to a household with previous
insurance, ages 42 and 45, whose two children, ages 16 and
18, are also drivers. The 42-year-old drives a 2004 Dodge
Caravan to 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 2002 Toyota
Celica to 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 just received a license, 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.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
A) The two teenagers share the third household vehicle, a
2000 Ford Escort. 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 2000 Ford Escort, to and from
school, five miles each way, five days a week. The 18-year-
old drives a 2000 Chevrolet Cavalier to and from school, five
miles each way, five days a week. The total annual mileage
on each vehicle is 5,000.
If example 5 most closely matches your insurance
situation, refer to example 5 chart for sample rate quotes.
Example 6
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 2005 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 2003 GMC Sierra 1500 4WD 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 1989 Ford F350, 4WD pickup for farm
use only, for an annual total mileage of 6,000.
The 17-year-old drives a 2000 Ford F250, 2WD pickup 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.
Coverages: 25/50/10 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.
If example 6 most closely matches your insurance
situation, refer to example 6 chart for sample rate quotes.
Example 7
These premiums apply to a two-person household, both age
68, with previous insurance. They own a 2005 Isuzu
Ascender five passenger 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.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
A) Annual total mileage is 5,000
B) Annual total mileage is 10,000
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
responding to our survey. The quotes correspond to each
example illustrated for nine geographic regions around Montana.
EXAMPLE 1
These premiums apply to a 19-year-old who drives a 2002 Ford Escort 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.
Coverages: 25/50/10 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.
Rates for Example 1: $ per ½ yr
Great
Thompson
Billings
Bozeman
Butte
Helena
Kalispell
Missoula
Scobey
Falls
Falls
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
Allied
Property
&
Casualty
Ins.
Co.
971 1060 75
1 818 92
6 101
0 970 1059 87
9 958 843 92
0 74
5 812 76
5 83
4 843 92
0
Allstate
Fire
&
Casualty
Ins.
Co.
430 688 387 619 34
5 551 494 793 43
7 70
0 410 65
6 44
7 717 27
8 44
4 410 65
6
Depositors
Ins.
Co.
971 1060 75
1 818 92
6 101
0 970 1059 87
9 95
8 843 92
0 74
5 812 76
5 83
4 843 92
0
Farmers
Ins.
Exchange
- -
-
-
-
- -
-
-
-
-
-
-
-
-
-
-
-
Financial
Indemnity
Co
531 661 50
0 622 54
5 67
8 531 66
1 53
1 66
1 519 64
6 49
7 618 54
0 67
2 566 70
4
Mid-Century
Ins.
Co.
604 788 53
9 698 60
2 78
2 571 74
6 62
1 81
3 729 94
4 57
1 739 34
5 45
0 495 64
2
Mountain West Farm Bureau
1073 1307 768 931 1111 1353 1035 1259 1184 1443 1139 1388 959 1167 798 968 860 1045
National
Farmers
Union
Prop
&
Cas
414 632 40
9 625 414 632 414 632 414 632 413 630 413 63
0 40
9 62
5 413 630
Progressive
Direct
Ins.
Co.
650 773 47
2 556 57
9 68
6 616 73
1 61
6 731 566 67
0 56
6 670 47
2 55
5 517 61
0
Progressive
Northwestern
Ins.
Co.
601 894 44
2 655 56
5 84
1 569 84
6 56
9 846 542 80
5 53
9 800 40
7 60
1 482 71
5
Sentinel
Ins.
Co.
355 559 30
8 484 38
7 61
0 375 59
1 33
8 53
3 394 62
2 32
7 515 35
4 55
8 39
4 62
2
State
Farm
Fire
and
Casualty
Co.
554 1058 480 916 594 1135 604 1154 544 1038 580 1107 554 1058 407 775 580 1107
State
Farm
Mutual
Auto
Ins.
Co.
499
-
433
-
535
-
544
-
490
-
522
-
499
-
366
-
522
-
Trinity
Universal
Ins.
Co.
- - - - - - - - - - - - - - - - - -
United
Services
Auto
Assoc.
20
7
-
22
0
-
25
6
-
20
7
-
22
4
-
24
2
-
22
9
-
20
7
-
23
1
-
USAA
Casualty
Ins.
Co.
281
-
29
9
-
34
9
-
28
1
-
30
5
-
33
1
-
31
3
-
28
1
-
31
5
-
- Indicates that a company would not write a risk or that an affiliated company may write the risk.
Please note the above premiums are based on survey responses. Not all insurers chose to respond.
EXAMPLE 2
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 2005 Ford Taurus Sedan 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 just received their license, 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.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
A) The 17-year-old drives a 2002 Chevrolet Blazer 4WD, 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 Nissan Pathfinder 4WD 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 2002 Chevrolet Blazer 4WD, 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 Nissan Pathfinder 4WD 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.
Rates for Example 2: $ per ½ yr
Great
Thompson
Billings
Bozeman
Butte
Helena
Kalispell
Missoula
Scobey
Falls
Falls
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
Allied Property & Casualty Ins. Co.
1546 1546 1197 1197 1473 1473 1542 1542 1399 1399 1340 1340 1186 1186 1219 1219 1340 1340
Allstate Fire & Casualty Ins. Co.
1305 1305 1175 1175 1050 1050 1498 1498 1328 1328 1245 1245 1356 1356 849 849 1245 1245
Depositors Ins. Co.
1546 1546 1197 1197 1473 1473 1542 1542 1399 1399 1340 1340 1186 1186 1219 1219 1340 1340
Farmers
Ins.
Exchange
- - - - - - - - - - - - - - - - - -
Financial Indemnity Co
1361 1361 1284 1284 1396 1396 1361 1361 1361 1361 1329 1329 1269 1269 1390 1390 1452 1452
Mid-Century
Ins.
Co.
1024 1024 923 923 1026 1026 962 962 1042 1042 1254 1254 979 979 586 586 846 846
Mountain West Farm Bureau
1314 1314 946 946 1359 1359 1267 1267 1447 1447 1392 1392 1176 1176 982 982 1057 1057
National Farmers Union Prop & Cas
1211 1211 1205 1205 1211 1211 1211 1211 1211 1211 1210 1210 1210 1210 1205 1205 1210 1210
Progressive Direct Ins. Co.
2073 2073 1446 1446 1819 1819 1949 1949 1949 1949 1776 1776 1776 1776 1441 1441 1598 1598
Progressive Northwestern Ins. Co.
2275 2275 1656 1656 2135 2135 2147 2147 2147 2147 2043 2043 2032 2032 1516 1516 1805 1805
Sentinel Ins. Co.
1122 1168 971 1011 1233 1279 1187 1237 1067 1112 1254 1303 1037 1078 1122 1168 1254 1303
State Farm Fire and Casualty Co.
1297 1297 1126 1126 1391 1391 1413 1413 1273 1273 1357 1357 1297 1297 955 955 1357 1357
State Farm Mutual Auto Ins. Co.
1168 1168 1014 1014 1251 1251 1273 1273 1146 1146 1221 1221 1168 1168 860 860 1221 1221
Trinity Universal Ins. Co.
1335 1253 1131 1061 1131 1061 1271 1192 1144 1073 1286 1206 1231 1155 1411 1324 1131 1061
United
Services
Auto
Assoc.
585 619 621 657 722 765 585 619 632 669 685 725 648 686 585 619 653 691
USAA
Casualty
Ins.
Co.
677 700 72
0 745 83
8 86
7 677 700 73
2 75
8 793 82
1 75
1 777 67
7 70
0 757 783
- Indicates that a company would not write a risk or that an affiliated company may write the risk.
Please note the above premiums are based on survey responses. Not all insurers chose to respond.
EXAMPLE 3
These premiums apply to a 27-year-old with previous insurance that drives a 2006 Chrysler Sebring to and from work, 20 miles each way, five days a week, for
an annual total mileage of 15,000.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
A) Driver has no accidents or driving citations.
B) Driver has one major speeding citation one year ago.
Rates for Example 3: $ per ½ yr
Great
Thompson
Billings
Bozeman
Butte
Helena
Kalispell
Missoula
Scobey
Falls
Falls
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
Allied
Property
&
Casualty
Ins.
Co.
290 332 23
6 268 27
9 31
9 290 332 26
8 30
5 259 29
5 23
5 266 24
0 27
2 25
9 295
Allstate
Fire
&
Casualty
Ins.
Co.
201 226 18
2 204 16
3 18
3 230 259 20
5 23
0 192 21
6 20
9 235 13
3 14
8 19
2 216
Depositors
Ins.
Co.
290 332 23
6 268 27
9 31
9 29
0 332 26
8 30
5 259 29
5 23
5 266 24
0 27
2 25
9 295
Farmers
Ins.
Exchange
216
-
20
9
- 206
-
208
-
21
1
- 224
-
204
-
124
-
186
-
Financial
Indemnity
Co
242 279 22
8 262 24
8 28
6 24
2 279 24
2 27
9 236 27
2 22
7 261 24
5 28
3 25
7 297
Mid-Century
Ins.
Co.
- 500 - 448
-
49
9
- 471
-
512
-
607
-
475
-
28
6
- 41
1
Mountain
West
Farm
Bureau
283 354 20
9 261 29
2 36
5 27
4 341 31
0 38
7 299 37
4 25
5 319 21
6 27
0 23
1 289
National
Farmers
Union
Prop
&
Cas
148 26
6 14
5 261 14
8 26
6 148 266 14
8 26
6 147 26
5 14
7 265 14
5 26
1 14
7 265
Progressive
Direct
Ins.
Co.
265 306 20
8 236 24
3 28
0 255 293 25
5 29
3 238 27
3 23
8 273 20
8 23
7 23
3 255
Progressive
Northwestern
Ins.
Co.
256 368 19
2 272 24
2 34
7 243 349 24
3 34
9 233 33
2 23
1 331 17
8 25
2 21
0 298
Sentinel
Ins.
Co.
148 191 13
0 167 16
2 20
9 15
7 201 14
1 18
2 165 21
2 13
8 177 14
8 19
0 16
5 212
State
Farm
Fire
and
Casualty
Co.
242 29
3 21
1 255 25
9 31
3 264 318 23
8 28
7 253 30
6 24
2 293 18
0 21
8 25
3 306
State
Farm
Mutual
Auto
Ins.
Co.
218 241 19
0 210 23
4 25
8 23
7 263 21
4 23
7 228 25
2 21
8 241 16
2 17
9 22
8 252
Trinity
Universal
Ins.
Co.
305 479 26
0 407 26
0 40
7 290 454 26
2 41
0 294 46
0 28
2 441 32
1 30
6 26
0 407
United
Services
Auto
Assoc.
116
-
12
3
- 141
-
116
-
12
5
- 134
-
128
-
116
-
129
-
USAA
Casualty
Ins.
Co.
114 12
1
-
13
9
-
11
4
-
12
3
-
13
2
-
12
6
-
11
4
-
12
7
-
- Indicates that a company would not write a risk or that an affiliated company may write the risk.
Please note the above premiums are based on survey responses. Not all insurers chose to respond.
EXAMPLE 4
These premiums apply to a two-person household, ages 30 and 35, both have previous insurance. The 30-year-old drives a 2005 Chrysler PT Cruiser 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 2005 Durango (2WD) to and from work, 20
miles each way, five days a week, for an annual total mileage of 20,000.
Coverages: 25/50/10 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.
Rates for Example 4: $ per ½ yr
Great
Thompson
Billings
Bozeman
Butte
Helena
Kalispell
Missoula
Scobey
Falls
Falls
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
Allied
Property
&
Casualty
Ins.
Co.
36
8 397 29
9 32
1 354 38
1 36
7 39
6 339 36
5 32
7 352 29
7 31
9 327 326 32
7 35
2
Allstate
Fire
&
Casualty
Ins.
Co.
352 385 32
0 34
9 288 31
4 40
2 44
0 359 39
2 33
7 369 36
6 39
9 236 257 33
7 36
9
Depositors
Ins.
Co.
368 397 29
9 32
1 354 38
1 36
7 39
6 339 36
5 32
7 352 29
7 31
9 327 326 32
7 35
2
Farmers
Ins.
Exchange
31
9 463 31
3 43
2 310 46
0 30
9 43
8 311 46
0 34
1 547 30
4 44
5 183 264 27
9 39
3
Financial
Indemnity
Co
363 394 34
1 37
0 370 40
2 36
3 39
4 363 39
4 35
3 383 33
8 36
7 368 399 38
5 41
7
Mid-Century
Ins.
Co.
- 463
-
432 - 460
-
438
-
46
0
- 547
-
44
5
- 264
-
39
3
Mountain
West
Farm
Bureau
45
4 510 33
5 37
7 468 52
6 43
9 49
3 497 55
8 47
9 539 41
0 46
0 347 390 37
1 41
7
National
Farmers
Union
Prop
&
Cas
297 182 29
4 17
7 298 18
2 29
7 18
2 297 18
2 29
6 181 29
6 18
1 294 177 29
6 18
1
Progressive
Direct
Ins.
Co.
446 488 33
1 36
2 399 43
7 42
3 46
3 423 46
3 39
1 428 39
1 42
8 333 360 35
9 39
1
Progressive
Northwestern
Ins.
Co.
48
0 600 35
5 44
1 451 56
2 45
3 56
6 453 56
6 43
3 540 43
1 53
7 325 405 38
3 47
7
Sentinel
Ins.
Co.
273 358 23
8 31
1 29
8 39
0 28
7 37
8 261 34
0 30
3 398 25
2 33
0 27
3 357 30
3 39
8
State
Farm
Fire
and
Casualty
Co.
412 456 35
9 39
7 441 48
8 44
8 49
6 405 44
8 43
0 476 41
2 45
6 307 340 43
0 47
6
State
Farm
Mutual
Auto
Ins.
Co.
371 410 32
4 35
7 397 44
0 40
4 44
6 365 40
3 38
8 428 37
1 41
0 277 305 38
8 42
8
Trinity
Universal
Ins.
Co.
340 426 28
9 35
4 289 35
4 32
3 39
7 291 35
8 32
6 401 31
4 38
6 358 438 28
9 35
4
United
Services
Auto
Assoc.
194
-
204
-
234
-
19
4
- 207
-
223
-
212
-
194
-
21
4
-
USAA
Casualty
Ins.
Co.
191
-
20
2
-
23
1
-
19
1
-
20
5
-
22
0
-
20
9
-
19
1
-
21
1
-
- Indicates that a company would not write a risk or that an affiliated company may write the risk.
Please note the above premiums are based on survey responses. Not all insurers chose to respond.
EXAMPLE 5
These premiums apply to a household with previous insurance, ages 42 and 45, whose two children, ages 16 and 18, are also drivers. The 42-year-old drives a
2004 Dodge Caravan to 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 2002 Toyota Celica to 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 just received a license, 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.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
A) The two teenagers share the third household vehicle, a 2000 Ford Escort. 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 2000 Ford Escort, to and from school, five miles each way, five days a week. The 18-year-old drives a 2000 Chevrolet Cavalier to
and from school, five miles each way, five days a week. The total annual mileage on each vehicle is 5,000.
Rates for Example 5: $ per ½ yr
Great
Thompson
Billings
Bozeman
Butte
Helena
Kalispell
Missoula
Scobey
Falls
Falls
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
Allied Property & Casualty Ins. Co.
1721 2184 1329 1685 1639 2080 1718 2181 1556 1974 1492 1893 1318 1671 1354 1716 1492 1393
Allstate Fire & Casualty Ins. Co.
1648 2018 1483 1819 1324 1623 1898 2320 1677 2054 1571 1926 1716 2100 1069 1310 1571 1926
Depositors Ins. Co.
1721 2184 1329 1685 1639 2080 1718 2181 1556 1974 1492 1893 1318 1671 1354 1716 1492 1893
Farmers
Ins.
Exchange
- - - - - - - - - - - - - - - - - -
Financial Indemnity Co
1276 1427 1205 1348 1310 1465 1276 1427 1276 1427 1246 1394 1191 1332 1304 1458 1361 1522
Mid-Century Ins. Co.
1287 1707 1159 1537 1288 1709 1211 1606 1312 1740 1573 2087 1229 1630 735 975 1063 1410
Mountain West Farm Bureau
1076 1704 781 1229 1112 1762 1038 1644 1182 1876 1139 1806 966 1527 810 1276 870 1372
National Farmers Union Prop & Cas
1269 1639 1263 1633 1270 1640 1269 1639 1269 1639 1268 1638 1268 1638 1263 1633 1268 1638
Progressive Direct Ins. Co.
1630 2140 1143 1491 1439 1888 1539 2021 1539 2021 1397 1831 1397 1831 1144 1495 1265 1658
Progressive Northwestern Ins. Co.
2066 2757 1502 2000 1943 2596 1954 2610 1954 2610 1857 2478 1847 2465 1381 1842 1650 2205
Sentinel Ins. Co.
1746 2826 1508 2840 1928 2985 1849 3097 1660 2727 1959 3143 1617 2570 1751 3454 1959 3143
State Farm Fire and Casualty Co.
1125 1597 977 1386 1204 1710 1224 1738 1104 1567 1175 1668 1125 1597 830 1177 1175 1668
State
Farm
Mutual
Auto
Ins.
Co.
- - -
-
- - - - - - - - - -
-
- - -
Trinity Universal Ins. Co.
1707 1770 1444 1497 1442 1495 1622 1682 1459 1513 1642 1703 1574 1632 1805 1872 1751 1816
United
Services
Auto
Assoc.
- - - - - - - - - - - - - - - - - -
USAA
Casualty
Ins.
Co.
- - - - - - - - - - - - - - - - - -
- Indicates that a company would not write a risk or that an affiliated company may write the risk.
Please note the above premiums are based on survey responses. Not all insurers chose to respond.
EXAMPLE 6
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
2005 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 2003 GMC
Sierra 1500 4WD 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
1989 Ford F350, 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2000 Ford F250, 2WD pickup 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.
Coverages: 25/50/10 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.
Rates for Example 6: $ per ½ yr
Great
Thompson
Billings
Bozeman
Butte
Helena
Kalispell
Missoula
Scobey
Falls
Falls
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
Allied Property & Casualty Ins. Co.
1608 1952 1250 1513 1533 1860 1603 1946 1458 1768 1396 1692 1239 1499 1273 1540 1396 1692
Allstate Fire & Casualty Ins. Co.
1280 1702 1156 1534 1034 1370 1468 1956 1304 1732 1222 1623 1331 1771 839 1107 1222 1623
Depositors Ins. Co.
1608 1952 1250 1513 1533 1860 1603 1946 1458 1768 1396 1692 1239 1499 1273 1540 1396 1692
Farmers
Ins.
Exchange
871 1086 809 994 867 1086 829 1026 874 1098 1026 1309 833 1040 498 621 735 907
Financial
Indemnity
Co
- - - - - - - - - - - - - - - - - -
Mid-Century
Ins.
Co.
871 1086 809 994 867 1086 829 1026 874 1098 1026 1309 833 1040 498 621 735 907
Mountain West Farm Bureau
1219 1253 887 911 1260 1295 1177 1210 1339 1377 1290 1327 1096 1125 921 945 988 1014
National Farmers Union Prop & Cas
1062 1264 1057 1258 1062 1264 1062 1264 1062 1264 1061 1263 1061 1263 1057 1258 1061 1263
Progressive Direct Ins. Co.
2727 2845 1894 1976 2387 2490 2559 2670 2559 2670 2334 2433 2334 2433 1886 1968 2093 2180
Progressive Northwestern Ins. Co.
3354 3541 2440 2574 3142 3319 3162 3341 3162 3341 3009 3179 2992 3163 2228 2354 2651 2799
Sentinel Ins. Co.
1069 1254 925 1084 1172 1375 1129 1327 1017 1194 1191 1399 986 1157 1068 1254 1191 1399
State Farm Fire and Casualty Co.
1219 1277 1060 1110 1307 1369 1329 1392 1197 1254 1276 1336 1219 1277 899 943 1276 1336
State Farm Mutual Auto Ins. Co.
1099 1230 954 1068 1177 1319 1196 1340 1078 1208 1149 1286 1099 1230 810 906 1149 1286
Trinity Universal Ins. Co.
1349 1406 1143 1194 1143 1194 1285 1343 1156 1208 1301 1360 1244 1300 1426 1491 1143 1194
United
Services
Auto
Assoc.
878 1022 933 1087 1087 1267 878 1022 950 1106 1029 1200 974 1135 878 1022 982 1144
USAA Casualty Ins. Co.
930 952 989 1012 1152 1179 930 952 1066 1030 1091 1116 1032 1056 930 952 1040 1064
- Indicates that a company would not write a risk or that an affiliated company may write the risk.
Please note the above premiums are based on survey responses. Not all insurers chose to respond.
EXAMPLE 7
These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2005 Isuzu Ascender 5-passenger 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.
Coverages: 25/50/10 Liability; 25/50 Uninsured Motorist
A) Annual total mileage is 5,000
B) Annual total mileage is 10,000
Rates for Example 7: $ per ½ yr
Great
Thompson
Billings
Bozeman
Butte
Helena
Kalispell
Missoula
Scobey
Falls
Falls
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
A
B
Allied
Property
&
Casualty
Ins.
Co.
248 248 20
4 204 23
9 23
9 247 24
7 22
9 229 222 22
2 20
3 203 20
7 20
7 222 22
2
Allstate
Fire
&
Casualty
Ins.
Co.
173 202 15
7 183 14
1 16
4 199 23
2 17
6 20
6 166 19
3 18
0 211 11
5 13
4 166 19
3
Depositors
Ins.
Co.
248 248 20
4 204 23
9 23
9 247 24
7 22
9 22
9 222 22
2 20
3 203 20
7 20
7 222 22
2
Farmers
Ins.
Exchange
123 136 12
2 134 12
2 13
3 120 13
2 11
9 13
1 136 14
8 11
8 130 70 77 110 12
0
Financial
Indemnity
Co
266 266 25
0 250 27
2 27
2 266 26
6 26
6 26
6 259 25
9 24
9 249 26
9 26
9 282 28
2
Mid-Century
Ins.
Co.
- - - - - - - - - - - - - - - - - -
Mountain
West
Farm
Bureau
197 226 14
9 169 20
3 23
3 191 21
9 21
5 24
7 208 23
8 17
9 205 15
4 17
4 164 18
6
National
Farmers
Union
Prop
&
Cas
209 20
9 20
5 205 20
9 20
9 209 20
9 20
9 209 208 20
8 20
8 208 20
5 20
5 208 20
8
Progressive
Direct
Ins.
Co.
347 347 26
4 264 31
4 31
4 331 33
1 33
1 331 308 30
8 30
8 308 26
4 26
4 285 28
5
Progressive
Northwestern
Ins.
Co.
344 344 25
6 256 32
5 32
5 326 32
6 32
6 326 311 31
1 30
9 309 23
7 23
7 278 27
8
Sentinel
Ins.
Co.
135 153 11
8 133 14
7 16
7 143 16
0 12
9 14
6 150 16
9 12
5 141 13
5 15
3 15
0 16
9
State
Farm
Fire
and
Casualty
Co.
155 18
3 13
6 160 16
6 19
6 169 19
9 15
3 18
0 162 19
1 15
5 183 11
6 13
7 162 19
1
State
Farm
Mutual
Auto
Ins.
Co.
140 165 12
2 144 15
0 17
7 152 17
9 13
8 16
2 146 17
2 14
0 165 10
5 12
3 146 17
2
Trinity
Universal
Ins.
Co.
183 183 15
8 158 15
7 15
7 175 17
5 15
9 159 177 17
7 17
0 170 19
3 19
3 157 15
7
United
Services
Auto
Assoc.
90 10
4
95 11
0 10
8 12
6
90 10
4
96 11
2 10
3 12
0
98 11
4
90 10
4
99 11
5
USAA
Casualty
Ins.
Co.
89 10
3
9
4
10
9 10
7 12
4
8
9
10
3
9
5
11
0 10
2 11
9
9
7
11
3
8
9
10
3
9
8
11
4
- Indicates that a company would not write a risk or that an affiliated company may write the risk.
Please note the above premiums are based on survey responses. Not all insurers chose to respond.
Consumer Contacts for Participating Insurance Companies
Allied Property & Casualty Ins. Co.
Mid-Century Insurance Co.
Sentinel Insurance Co.
Marsha Sharp
Angela Wedel
PO Box 500
1100 Locust St., Des Moines, IA 50391-0203
2500 South Fifth Ave., Pocatello, ID 83204-1923
Reno, NV 89504-9984
1-800-532-1436 Ext. 4272
1-866-813-7551
1-800-624-5578
www.alliedinsurance.com
www.farmersinsurance.com
www.thehartford.com
Allstate Fire & Casualty Ins. Co.
Mountain West Farm Bureau
Marisol Herrera
Rhonda Harding
State Farm Fire And Casualty Co.
2775 Sanders Rd., Suite A5, Northbrook, IL 60062
931 Boulder Dr., Laramie, WY 82072
State Farm Mutual Automobile
1-847-402-7351
1-307-745-4835
Contact a local State Farm Agent
www.allstate.com
rharding
www.statefarm.com
Depositors Insurance Co.
National Farmers Union Prop & Casualty
Trinity Universal Ins. Co.
Marsha Sharp
Danielle Burglin
Customer Care Center
1100 Locust, Des Moines, IA 50391
5619 DTC Parkway, Ste 300
2300 Stafford Avenue
1-800-532-1436 Ext. 4272
Greenwood Village, CO 80111
Scranton, PA 18505
www.alliedinsurance.com
1-303-338-2305
1-877-252-7878
Farmers Insurance Exchange
Progressive Direct Ins. Co.
United Services Automobile Assoc.
Angela Wedel
Sharon Butts
9800 Fredericksburg Road
2500 South Fifth Ave., Pocatello, ID 83204-1923
12710 Voyager Pkwy, Colorado Springs, CO 80921
San Antonio, TX 78288
1-866-813-7551
1-888-838-7414 network 782-0707
1-800-531-8080
www.farmersinsurance.com
www.progressivedirect.com
www.usaa.com
Financial Indemnity
Progressive Northwestern Ins.
USAA Casualty Insurance Co.
Jason Tanaka
Lisa Pomplas
9800 Fredericksburg Road
21650 Oxnard St, Ste 1800
300 N. Commons Blvd, Mayfield Village, OH 44143
San Antonio, TX 78288
Woodland Hills, CA 91367
1-800-283-1101 network 575-7269
1-800-531-8080
1-800-456-1919 Ext. 1834
www.driveinsurance.com
www.usaa.com
www.unitrinspecialty.com
Technical Notes:
Some of the companies that participated in this survey have
differences in determining the premiums, which we wish to
include:
· Farmers Insurance Co.
Examples 3, 4, 6 & 7 Utilized liability limits of 30/60/10
and UM limits of 30/60.
· Farmers Insurance Co & Mid-Century Insurance Co.
Example 4B, 6A and 6B Quoted utilizing both companies.
· Mountain West Farm Bureau Mutual Insurance Co.
All Examples Use liability limits of 25/50/25 and medical
limits of $1000.
· United Services 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.
Compare Auto Insurance Rates Online
If you prefer, use the Montana State
Auditor's website for quick and easy
comparisons of auto and homeowner
insurance rates.
Log onto the State Auditor's website
at: www.sao.mt.gov.
MONTANA STATE AUDITOR
J
OHN MORRISON
COMMISSIONER OF INSURANCE
COMMISSIONER OF SECURITIES
Protecting Montana's Consumers
Montana State Auditor's Office
840 Helena Avenue
Helena, MT 59601
Toll-Free Hotline
(Outside Helena)
1-800-332-6148
In Helena: 444-2040
Fax: 406-444-3497
TDD Phone: 406-444-3246
Website: www.sao.mt.gov
E-Mail: stateauditor