Helena, Montana Car Insurance (2024 Rates + Cheapest Autos)

• Helena car insurance cost averages $1,642 per year for a full-coverage policy, or about $137 per month.
• Monthly car insurance rates for a few popular models in Helena include the Jeep Cherokee at $148, Tesla Model 3 at $161, and Toyota Corolla at $134.
• For cheap car insurance in Helena, MT, small SUVs like the Ford Bronco Sport, Toyota Corolla Cross, and Kia Soul rank near the top.
• A few vehicles with the cheapest auto insurance in Helena for their automotive segment include the Mercedes-Benz A220, Subaru Forester, Toyota Tacoma, and Ford F150.
• Auto insurance quotes in Helena can vary significantly from as low as $31 per month for minimum liability limits to well over $679 per month for teenagers and other high-risk drivers.

What is average car insurance cost in Helena?

In Helena, average auto insurance cost is $1,642 per year, which is 13.7% less than the U.S. average rate of $1,883. Per month, Helena drivers can expect to pay an average of $137 for a full-coverage car insurance policy.

In the state of Montana, average auto insurance cost is $1,764 per year, so the average cost in Helena is $122 less per year.

When rates are compared to other cities in Montana, the cost to insure a vehicle in Helena is $66 per year less than in Bozeman, $32 per year cheaper than in Butte, and $30 per year cheaper than in Missoula.

The next chart summarizes average auto insurance cost in Helena broken out based on different driver ages, policy deductibles, and policy risk factors. Rates are averaged for all 2024 vehicle models including luxury vehicles.

In the chart above, the cost of car insurance in Helena ranges from $1,364 per year for a 40-year-old driver with many policy discounts to $3,780 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy. From a monthly budget point of view, the average cost in the prior chart ranges from $114 to $315 per month.

Helena car insurance rates are not the same for everyone and minor changes in personal situations can cause substantial price changes. Due to the high likelihood of rate variability, this reinforces the need to get multiple auto insurance quotes when shopping around for more affordable car insurance.

The age of the rated driver is probably the number one factor that determines the price you pay for auto insurance, so the list below illustrates these differences by breaking down average car insurance rates in Helena for drivers from 16 to 60.

Helena, MT, car insurance cost for drivers age 16 to 60

• 16 year old – $5,851 per year or $488 per month
• 17 year old – $5,669 per year or $472 per month
• 18 year old – $5,079 per year or $423 per month
• 19 year old – $4,627 per year or $386 per month
• 20 year old – $3,304 per year or $275 per month
• 30 year old – $1,752 per year or $146 per month
• 40 year old – $1,642 per year or $137 per month
• 50 year old – $1,454 per year or $121 per month
• 60 year old – $1,364 per year or $114 per month

The previous rates shown for insuring teenage drivers assumed a male driver. The next chart illustrates average teen driver rates in Helena by gender. For the most part, female drivers tend to pay less for auto insurance, especially ages 16 to 19.

Car insurance for a female 16-year-old driver in Helena costs an average of $386 less per year than the cost for a 16-year-old male driver, while at age 19, the cost difference is smaller but males still pay $716 more per year.

Popular vehicles and the cost of insurance

The prior rates consist of an average based on every 2024 vehicle model, which is useful when making generalized comparisons like the average cost difference by driver age or location.

For more complete cost comparisons, however, the data will be better if we instead look at the specific make and model of vehicle being insured. In the next few article sections, we compare lots of rates for specific vehicles, but for now, let’s just look at a handful of the more popular vehicles to discover how car insurance rates stack up in Helena.

The chart below shows average car insurance rates in Helena for popular vehicles.

The most popular vehicle models in Helena tend to be small or midsize sedans like the Hyundai Elantra and Kia K5 and compact or midsize SUVs like the Honda CR-V and Toyota Highlander.

Other popular models from other vehicle segments include luxury SUVs like the Infiniti QX60, BMW X5, and Cadillac XT5, luxury cars like the Tesla Model S, Acura ILX, and Lexus ES 350, and pickup trucks like the Ford F-150, Ford Ranger, and Toyota Tacoma.

We cover more rates in the upcoming sections, but before we dive into that data, let’s take a look at the concepts that were covered up to this point.

• Average car insurance cost per month ranges from $114 to $488 – That is the average car insurance cost range for drivers from age 16 to 60 in Helena, Montana.
• Helena, Montana, average car insurance cost is less than the U.S. average – $1,642 (Helena average) versus $1,883 (U.S. average)
• Car insurance for teen drivers can be very expensive – Average cost can range from $3,911 to $5,851 per year to insure a teenage driver in Helena.
• Teen girls have cheaper rates than teenage males – Teenage female drivers age 16 to 19 pay $716 to $386 less each year than males of the same age.
• Helena auto insurance prices are cheaper than the Montana state average – $1,642 (Helena average) compared to $1,764 (Montana average)
• Car insurance is generally cheaper as you age – Insurance rates for a 60-year-old driver in Helena are $1,940 per year cheaper than for a 20-year-old driver.
• Car insurance rates decrease substantially between ages 20 and 30 – The average 30-year-old Helena, Montana, driver will pay $1,552 less each year than a 20-year-old driver, $1,752 versus $3,304.

Which cars have cheap insurance in Helena, Montana?

When comparing all types of vehicles, the models with the lowest cost average car insurance quotes in Helena, MT, tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision.

Average insurance quotes for those vehicles cost $1,334 or less per year, or $111 per month, for a full coverage policy.

Some additional vehicles that are in the top 20 in our auto insurance price comparison are the Volkswagen Taos, Chevrolet Colorado, Buick Encore, and Nissan Murano.

Rates are a little higher for those models than the cheapest crossovers and small SUVs at the top of the list, but they still have an average cost of $1,408 or less per year in Helena.

The following table breaks down the vehicles with the cheapest overall insurance rates in Helena, ordered by annual cost.

A list of 40 ranked vehicles is great if you’re just wanting the lowest rates. A more efficient way to analyze rates in a pragmatic manner is to sort them by automotive segment.

This next section details average car insurance cost by vehicle segment. The rates shown should give a better idea of the automotive segments that have the most affordable rates. The subsequent sections break out the 20 models with the cheapest rates for each automotive segment.

Average insurance rates by automotive segment

If you’re shopping around for a different vehicle, it’s very useful to know which types of vehicles have cheaper car insurance rates.

As an example, maybe you’re curious if compact SUVs are more affordable to insure than midsize SUVs or if heavy duty pickups have more expensive auto insurance than half-ton pickups.

The chart below displays average car insurance rates in Helena for different vehicle segments. From an overal segment perspective, compact SUVs and midsize pickup trucks tend to have the least expensive rates, with luxury, performance, and sports cars having the most expensive insurance.

Car insurance rates by segment are sufficient for blanket comparisons, but insurance rates for specific models range significantly within each vehicle segment displayed above.

For example, in the midsize car segment, auto insurance rates in Helena range from the Hyundai Ioniq 6 costing $1,508 per year for a full coverage policy up to the Tesla Model 3 at $1,930 per year, a difference of $422 within that segment.

For another example, in the sports car segment, rates range from the Mazda MX-5 Miata costing $1,520 per year up to the Mercedes-Benz SL 63 at $3,374 per year, a difference of $1,854 within that segment.

In the sections going forward, we eliminate this variability by looking at the cost of car insurance in Helena for specific vehicle models.

Cheapest cars to insure in Helena

The three top-ranked 2-door and 4-door sedans and hatchbacks with the most affordable insurance rates in Helena are the Toyota GR Corolla at $1,426 per year, the Nissan Leaf at $1,438 per year, and the Honda Civic at $1,454 per year.

Additional models that rank well in our comparison are the Kia K5, Honda Accord, Chevrolet Malibu, and Hyundai Ioniq 6, with an average cost of $1,592 per year or less.

Ranked in the bottom half of the top 20 cheapest cars to insure, models like the Mitsubishi Mirage G4, Subaru Legacy, Nissan Versa, Volkswagen Arteon, Mazda 3, and Volkswagen Jetta average between $1,592 and $1,700 per year for insurance.

Car insurance in Helena for this segment for an average middle-age driver will start around $119 per month, depending on your exact address and insurer.

The rate comparison table below ranks the cars with the most affordable average insurance rates in Helena, starting with the Toyota GR Corolla at $1,426 per year ($119 per month) and ending with the Mazda 3 at $1,700 per year ($142 per month).

A few popular cars that did not make the list above include the Volkswagen Jetta costing an average of $1,662 per year, the Hyundai Elantra at $1,786, and the Hyundai Sonata at an average of $1,664.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your car in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Helena car insurance quotes from top-rated auto insurance companies in Montana.

Cheapest SUVs to insure in Helena, MT

The Subaru Crosstrek takes the #1 ranking as the cheapest SUV to insure in Helena, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $1,214 per year for full-coverage auto insurance.

Also ranking in the top 10 are SUVs like the Hyundai Venue, Mazda CX-5, Toyota Corolla Cross, and Ford Bronco Sport, with average insurance cost of $1,346 per year or less.

As a cost per month, auto insurance in the non-luxury SUV segment will start around $101 per month, depending on your Zip Code.

The rate comparison table below ranks the twenty SUVs with the cheapest insurance in Helena, starting with the Subaru Crosstrek at $1,214 per year and ending with the Honda HR-V at $1,430 per year.

The most popular SUVs in Helena frequently have pricier auto insurance rates. Some of the more popular SUVs that cost more to insure than the 20 vehicles above include the Toyota Highlander costing $1,494 per year ($125 per month), the Chevrolet Traverse at $1,534 ($128 per month), and the Hyundai Santa Fe costing $1,670 ($139 per month).

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Looking for rates for a different SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Helena car insurance quotes from top companies in Montana.

Cheapest pickups to insure in Helena

The top four pickups with the most affordable auto insurance in Helena are the Chevrolet Colorado at $1,404 per year, Nissan Titan at $1,534 per year, Nissan Frontier at $1,554 per year, and Ford Ranger at $1,570 per year.

Other pickups that rank well include the GMC Sierra 2500 HD, Toyota Tacoma, Honda Ridgeline, and Hyundai Santa Cruz, with an average cost of $1,690 per year or less.

Full-coverage auto insurance for this segment in Helena for a safe driver can cost as low as $117 per month, depending on your Zip Code. The comparison table below ranks the twenty pickups with the most affordable insurance in Helena.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Need rates for a different pickup model? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Helena car insurance quotes from the best auto insurance companies in Montana.

Luxury cars with cheap insurance rates

Ranking at the top of the list for the most affordable Helena car insurance rates in the luxury car segment are the Lexus IS 300, Acura TLX, Acura Integra, BMW 330i, and Mercedes-Benz CLA250. Auto insurance quotes for these vehicles average $1,700 or less per year.

Some other luxury cars that have affordable insurance rates are the Genesis G70, Lexus RC 300, Mercedes-Benz AMG CLA35, and Lexus ES 350, with average insurance cost of $1,726 per year or less.

From a cost per month standpoint, full-coverage auto insurance on this segment starts at an average of $122 per month, depending on where you live.

The cheapest compact luxury car to insure in Helena is the Acura Integra at $1,462 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,692 per year. And for full-size models, the Audi A5 is most affordable to insure at $1,942 per year.

The rate comparison table below ranks the twenty luxury cars with the cheapest auto insurance rates in Helena, starting with the Acura Integra at $1,462 per year and ending with the Audi S3 at $1,844 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Helena car insurance quotes from top auto insurance companies in Montana.

Luxury SUVs with cheap car insurance in Helena, Montana

Ranking highest for the cheapest Helena auto insurance rates in the luxury SUV segment are the Cadillac XT5, Jaguar E-Pace, Lexus NX 250, Cadillac XT4, and Acura RDX. Auto insurance prices for these vehicles average $1,550 or less per year, or around $129 per month.

Also ranking in the top 10 are luxury SUVs like the Lexus NX 450h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus UX 250h, with an average cost of $1,584 per year or less.

Auto insurance for the luxury SUV models starts at an average of $115 per month, depending on the company and your Helena Zip Code.

If insurance rates are ranked by vehicle size, the most affordable small luxury SUV to insure in Helena is the Acura RDX at $1,374 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $1,536 per year. And for full-size luxury SUVs, the Infiniti QX80 has the best rates at $1,844 per year.

The comparison table below ranks the luxury SUVs with the lowest-cost car insurance in Helena, starting with the Acura RDX at $1,374 per year and ending with the Lexus NX 350 at $1,648 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Need rates for a different luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Montana.

Sports cars with cheap insurance rates

The top-ranked model in Helena for cheapest auto insurance in the sports car segment is the Mazda MX-5 Miata, with a cost of $1,520 per year. Second place is the Toyota GR86 costing $1,732 per year, and coming in third is the Ford Mustang, costing an average of $1,806 per year.

Also ranking well in our comparison are models like the Nissan Z, BMW M2, Subaru BRZ, and Lexus RC F, with average cost of $1,962 per year or less.

Some additional models that rank well include the Chevrolet Camaro, Porsche 718, Chevrolet Corvette, and BMW M3, which cost between $1,962 and $2,784 per year for auto insurance.

On a monthly basis, full-coverage auto insurance in Helena on the sports car segment starts at an average of $127 per month, depending on your Zip Code. The table below ranks the sports cars with the most affordable average car insurance rates in Helena, starting with the Mazda MX-5 Miata at $1,520 per year ($127 per month) and ending with the Porsche Taycan at $2,784 per year ($232 per month).

Don’t see your sports car? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Montana.

Tips for saving money on Helena auto insurance

Financially savvy drivers in Helena should always be looking to save money on insurance, so look through the savings concepts in the list below and maybe you can save a little cash on your next policy.

• Get cheaper rates by researching policy discounts. Savings may be available if the insured drivers insure multiple vehicles on the same policy, are claim-free, drive a vehicle with safety or anti-theft features, are homeowners, choose electronic billing, or many other policy discounts which could save the average Helena driver as much as $278 per year on the cost of auto insurance
• Be a responsible driver and save. Too frequent at-fault accidents can raise rates, potentially as much as $792 per year for a 30-year-old driver and even $400 per year for a 60-year-old driver. So drive safe and save!
• Remove unneeded coverage on older cars. Deleting physical damage coverage from older vehicles can reduce the cost of car insurance considerably.
• Remain claim free. Insurance companies reduce rates a little if you do not file any claims. Car insurance should be used in the case of significant claims, not small claims that can be paid out-of-pocket.
• Choose vehicles that have more affordable auto insurance. The vehicle you drive is a big factor in the cost of insurance. As an example, a Hyundai Kona costs $1,720 less per year to insure in Helena than a Nissan GT-R. Lower performance vehicles cost less to insure.
• Violations and tickets cost more than a fine. In order to get the cheapest auto insurance in Helena, it pays to avoid traffic tickets. In fact, just one or two minor incidents on your driving report could increase insurance cost by up to $440 per year.
• Compare rates before buying a car. Different cars, trucks, and SUVs have very different car insurance rates, and insurance companies can charge a wide range of costs. Get comparison quotes before you buy a new car in order to prevent any surprises when buying insurance.