Best Butte, MT Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

Nationwide is the top pick for the best Butte, MT auto insurance, offering the most competitive rates starting at just $35/month. Alongside Nationwide, State Farm and AAA provide affordable premiums, outstanding claims support, and a variety of discounts for Butte drivers.

When looking for the best coverage, you should look at the types of car insurance available, including the factors that affect your policy, such as your driving history, vehicle type, and where you live. You can secure the most affordable auto insurance by comparing quotes from these top providers.

Our Top 10 Company Picks: Best Butte, MT Auto Insurance

Looking for the best auto insurance in Butte, MT? Get affordable rates from top providers by entering your ZIP code in the quote box now.

#1 – Nationwide: Top Overall Pick

Pros

• Flexible Deductible Options: It provides Butte drivers with various car insurance deductible options for tailored, budget-friendly policies. Discover what lies beyond with our “Nationwide Review.“
• Competitive Rates: Starting at about $35 per month, Nationwide is one of the most economical choices available in Butte to people looking for dependable auto insurance.
• Strong Financial Stability: It boasts an A+ rating from A.M. Best, making it a reliable option in times of a claim, butte MT.

Cons

• Higher Premiums for High-Risk Drivers: Customers with poor credit or accidents are bound to pay more with Nationwide than other providers for auto insurance in Butte, Montana.
• Limited Local Presence: Nationwide has fewer locations in Butte, MT, making in-person insurance services challenging.

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#2 – State Farm: Best for Cheap Rates

Pros

• Affordable Insurance Options: It covers some of the cheapest car insurance rates in Butte, which suits budget-conscious drivers.
• Wide Range of Discounts: Butte, MT customers can access discounts that significantly lower car insurance costs.
• Strong Reputation for Customer Service: With established customer service, State Farm serves the car insurance needs of the people of Butte well.

Cons

• Limited Flexibility in Coverage: State Farm’s insurance may be less flexible than competitors in Butte, limiting some drivers. Check out our “State Farm Auto Insurance Review” for the full story.
• Claims Process Could Be Slower:  Its auto insurance claims may take considerably longer to process, frustrating Butte customers who place urgent claims.

#3 – AAA: Best for Roadside Assistance

Pros

• Excellent Roadside Assistance: AAA’s comprehensive roadside assistance services are perfect for Butte drivers needing help with breakdowns or emergencies for auto insurance.
• A-Rated Insurance Provider: AAA has an A rating from A.M. Best and offers reliable and financially stable insurance coverage to Butte, MT clients.
• Multiple Discounts: Butte drivers enjoy discounts such as safe driver, multi-policy, and good student, which help overall premiums. Access supplementary details in our “AAA Auto Insurance Review.”

Cons

• Limited Availability of Policies in Butte: In Butte, Montana, limited customization in AAA policies reduces auto insurance options for drivers.
• Higher Premiums for Young Drivers: AAA typically has higher premiums for young drivers, making it a costly option in Butte.

#4 – American Family: Best for Discount Options

Pros

• Generous Discount Options: American Family offers great insurance discounts and, therefore, extensive cuts in premiums to Butte car owners.
• Comprehensive Coverage: American Family provides various auto insurance options for clients in Butte, Montana. Explore our “American Family Auto Insurance Review” to gain deeper insights.
• Strong Customer Satisfaction: With an A rating by A.M. Best, American Family is a secure and reliable option for Butte, Montana, drivers seeking auto insurance coverage.

Cons

• Higher Rates for Younger Drivers: Although discounts are available, auto insurance rates can be fairly high among younger Butte, Montana drivers.
• Limited Mobile App Features: Some Butte residents find American Family’s mobile app less user-friendly, which can be frustrating for managing car insurance policies on the go.

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#5 – Travelers: Best for Specialized Coverage

Pros

• Specialized Coverage Options: It provides unique auto insurance coverage, including antique car insurance, perfect for Butte drivers requiring more specialized equipment.
• Top-Rated Financial Strength: With an A++ rating, A.M. Best Travelers presents full-strength finance behind all coverage for Butte clients.
• Wide Range of Discounts: It provides several car insurance discounts to help Butte residents save on premiums. Read our “Travelers Auto Insurance Review” to find out more.

Cons

• Higher Premiums for High-Risk Drivers: Travelers in Butte, Montana, may face higher auto insurance premiums if they have a history of accidents.
• Limited Coverage for Certain Vehicles: Travelers do not guarantee whole auto insurance coverage for very old or high-risk vehicles, and Butte drivers with such cars have fewer alternatives.

#6 – The Hartford: Best for Exclusive Benefits

Pros

• Exclusive Benefits: Hartford offers advantages like accident forgiveness and bundling insurance discounts, which save drivers money, among other perks.
• Top-Tier Customer Service: Hartford is for great customer service and car owners like those in Butte, MT, who can get quick and reliable auto insurance support.
• Financial Strength: Its A+ rating from A.M. Best assures Butte customers of its financial stability for auto coverage and claims. Obtain further insights from our “Hartford Insurance Review.”

Cons

• Higher Premiums for High-Risk Drivers: Drivers with accidents or less-than-perfect credit scores can expect a higher auto insurance premium in Butte, especially if they apply from Hartford.
• Limited Coverage Options for Certain Regions: Some regions of Butte, Montana, have limited auto insurance coverage options, meaning few choices for local drivers.

#7 – Progressive: Best for Qualifying Coverage

Pros

• Competitive Rates for Qualifying Drivers: Progressive offers cheap car insurance quotes, mostly for qualified Butte drivers.
• Variety of Discounts Available: It offers auto insurance discounts, including continuous coverage, snapshot, and homeownership, which help Butte, MT, drivers reduce their premium costs.
• Strong Financial Backing: Progressive, with an A+ rating with A.M. Best, provides reliable coverage for drivers in Butte, Montana. Explore further details in our “Progressive Auto Insurance Review.”

Cons

• Limited Coverage for High-Risk Drivers: Progressive does not offer good coverage for most of Butte’s clients with poor credit histories or who are accident-prone.
• Customer Service Challenges: Some people in Butte, Montana, say Progressive’s customer service is unresponsive and slow, and it takes a long time to attend to claims.

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#8 – Liberty Mutual: Best for Add-on Coverages

Pros

• Generous Discount Opportunities: Butte, Montana, drivers can earn discounts on their entire coverage with RightTrack, accident-free and military auto discounts, lowering overall costs.
• Comprehensive Add-On Coverages: Liberty Mutual includes coverage for rental cars and roadside services, thus providing more protection for Butte drivers’ cars.
• Financial Strength: With its A rating from A.M. Best, Liberty Mutual is a good and reliable insurance provider, ensuring financial safety for Butte clients.

Cons

• Higher Premiums for Younger Drivers: Car insurance is also pricier in Butte, MT, particularly for younger motorists. For additional insights, refer to our “Liberty Mutual Auto Insurance Review.”
• Claims Process Could Be Slow: Some drivers in Butte, Montana, report delays in the auto insurance claims process, which could frustrate Butte drivers in urgent situations.

#9 – Geico: Best for Young Drivers

Pros

• Affordable Rates for Young Drivers: Geico offers some of the lowest rates for teens on insurance with quotes from as low as $30 a month, which can work out perfectly for Butte’s young drivers.
• Outstanding Customer Service: Geico always provides world-class customer service and makes it easy for Butte, MT, customers to access help when needed.
• Financial Stability with an A++ Rating: Geico’s A++ rating from A.M. Best gives drivers in Butte confidence in its financial reliability. Elevate your knowledge with our “Geico Insurance Review.”

Cons

• Limited Local Offices in Butte: As Geico is widely based online, it may be a hassle for drivers in Butte, Montana, who need personal, face-to-face auto insurance customer service.
• Limited Coverage Options for Older Vehicles: Geico may not offer as much car insurance coverage for older cars, which would disadvantage vintage or older vehicle owners living in Butte.

#10 – Farmers: Best for Safe Drivers

Pros

• Discounts for Safe Drivers: It provides driver insurance with discounts for safe driving, making Butte’s a great company for Butte’s safe drivers. Learn more with “Farmers Insurance Review.”
• Reliable Claims Service: Farmers offers excellent customer service and is quick to pay out auto insurance claims, so Butte, MT drivers know they will get help quickly.
• Financial Strength with an A Rating: With an A rating from A.M. Best, Farmers provides stable and dependable insurance coverage for Butte clients.

Cons

• Limited Discount Opportunities for High-Risk Drivers: High-risk drivers in Butte, Montana, may not find as many insurance discount opportunities, and Farmers is a little more expensive to buy.
• Higher Premiums for Young Drivers: Its auto insurance premiums can be comparatively higher for young drivers, which could make it less accessible for Butte’s younger motorists.

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Choosing the Best Auto Insurance in Butte, Montana

The best way to get auto insurance in Butte, Montana, is to find the lowest prices with quality coverage. Price quotes and the coverage selected will vary greatly between providers, so it is essential to consider a few policies that fit your needs. This guide will help you choose the right coverage and discount opportunities in Butte, MT.

Butte, MT Auto Insurance Monthly Rates by Provider & Coverage Level

Butte, MT monthly premiums vary by coverage level. Some providers offer minimum coverage and are low-cost, while some provide full coverage. Comparing providers gives the best balance between cost and coverage. Prioritize what level of coverage best suits your needs and driving habits.

Butte, MT Auto Insurance Coverage Discounts From the Top Providers

Another technique for saving auto insurance in Butte, MT, is through discounts. Providers offer discounts like a safe driver program, student discounts, or bundling policies. Such offers may include Geico military discounts or State Farm’s good student offers to cut your costs immensely.

Focus on value to find the best auto insurance in Butte, MT. Compare rates, coverage options, and discounts to get the protection you need without overspending.

Tips on Getting Butte, Montana Auto Insurance

To find affordable auto insurance in Butte, Montana, research various providers and compare rates. Knowing your local traffic situation, local insurance companies may provide a “Deductible Waiver” to save money if you file a claim.

Comprehensive and collision protection is best for new cars, while older vehicles are fine with “Automobile Liability Coverage” only in Butte, Montana. Keeping a good driving record and repairing your credit score will drastically lower your rates because these factors dictate how insurers calculate risk.

To learn further, here are the steps on how to secure the best Butte, MT auto insurance policy:

Assess Your  Butte Auto Insurance Needs

Evaluate the type of coverage you require in Butte based on your vehicle’s age, driving habits, financial situation, and preferred auto insurance deductible. In Butte, liability coverage might be sufficient if your car is older and paid off.

Comprehensive and collision insurance offers better protection for newer or financed vehicles. Ensuring your coverage, including the right deductible, matches Butte driver’s needs helps prevent unnecessary expenses.

Compare Auto Insurance Quotes in Butte, MT

Gather quotes from multiple  Butte, Montana providers, including major companies like Nationwide, State Farm, and AAA. Use digital tools or contact local agents to compare premiums, deductibles, and coverage options.

Butte, MT Report Card: Auto Insurance Premiums

Comparing auto insurance quotes in Butte, MT, is crucial due to higher risks like vehicle theft and traffic congestion, which may affect premiums. You can find the most affordable coverage that accounts for these factors by exploring different quotes within Butte, Montana.

Read Reviews of Your Chosen Auto Insurance in Butte

Research Butte, MT customer feedback on providers to assess their reputation for client service and claims handling. Companies with positive reviews for resolving claims quickly and fairly often deliver a better insurance experience.

Choose an insurer that will effectively support you in Butte. Look for those offering a claim-free insurance discount, as a clean driving history can help you qualify for lower rates.

Major Factors in Cheap Car Insurance in Butte, Montana

When your auto insurance provider prepares to develop your insurance policy, they consider several parameters. Some, such as your age or precise location, are extremely hard to change. Here are various other examples:

Automotive Accidents

Butte fatal accident statistics are fairly low, but they aren’t quite the lowest when it comes to per capita statistics.

Fatal Accidents in Butte, MT

Butte, MT, has experienced fatal accidents involving both impaired driving and pedestrians, highlighting serious safety concerns. With one fatal crash involving a drunk driver and two pedestrian fatalities, these factors increase the area’s risk profile for auto insurance.

Auto Thefts in Butte

Sometimes, vehicle theft is still a dilemma in smaller cities or outlying towns. Consider installing a passive anti-theft system within your vehicle to make it less of a dilemma.

Butte, MT Auto Accident & Insurance Claim Statistics

Butte, MT, experiences a vehicle theft rate of 8.5 per 1,000 vehicles, which is relatively high compared to national averages. This elevated theft rate and moderate traffic and weather-related incidents can lead to increased auto insurance premiums and claims in the area.

Your Driving Record

In Butte, MT, auto insurance monthly rates vary depending on your driving record. A person with a clean record can get the same coverage by State Farm for as low as $70, but somebody charged with a DUI may get quoted $190 by AAA.

Butte, MT Auto Insurance Monthly Rates by Driving Record

Auto insurance premiums in Butte, MT, rise notably with driving violations, especially DUIs, which result in the highest rates. State Farm provides the lowest premiums for drivers with clean records, while insurers like AAA have much higher costs for those with infractions.

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DUI Laws and Penalties in Butte, Montana Auto Insurance Providers

A DUI conviction in Butte, Montana, will significantly affect car insurance policyholders, causing a lapse in insurance coverage. It entails suspending one’s license, heavy fines, and alcohol education programs. There are many other nipping effects on insurance premiums, including that some car insurance companies will refuse to insure a driver.

DUI conviction in Butte results in license suspension and fines and triggers severe hikes in auto insurance rates, making coverage costly.

These DUI convictions in Butte suspend a license, impose fines, and raise auto insurance rates by as much as 100% in most cases. A high-risk SR-22, which can be expensive and required for years, is another cost. Understanding these penalties and their impact on insurance options is important for drivers in Butte, Alaska.

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