Belgrade drivers pay an average of $1,638/year — $133 less than the national average. With 115 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $450/year.
(888) 217-6781Estimated full coverage auto insurance rates for Belgrade, MT from top carriers. Rates are adjusted for Belgrade's 115 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $544 | $91/mo |
| GEICO | $620 | $103/mo |
| Progressive | $697 | $116/mo |
| State Farm | $763 | $127/mo |
| Farmers | $878 | $146/mo |
Estimates based on 2026 rate filings for ZIP 59741. USAA is cheapest at ~$91/mo. Actual rates vary by driver profile and exact Belgrade location.
These Belgrade-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Belgrade, MT. Takes under 2 minutes.
(888) 217-6781Belgrade is a smaller city in Montana with a population of 10,460. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, extreme cold, wildlife crossings, ice, mountain roads, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Belgrade.
For official Montana insurance regulations, visit the Montana Commissioner of Securities and Insurance. For driver licensing, see the Montana Motor Vehicle Division.
Your specific ZIP code within Belgrade can swing your premium by hundreds of dollars. Here's how rates compare across Belgrade neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 59747 | Belgrade South Side | $1,543/yr | $129/mo |
| 59746 | Belgrade North Side | $1,617/yr | $135/mo |
| 59753 | Belgrade West Side | $1,644/yr | $137/mo |
| 59743 | Belgrade East Side | $1,662/yr | $139/mo |
| 59741 | Belgrade Downtown/Central | $1,770/yr | $148/mo |
The cheapest ZIP is 59747 (Belgrade South Side) at $1,543/yr. The most expensive is 59741 (Belgrade Downtown/Central) at $1,770/yr — a $227/year difference for the same driver.
Your Belgrade ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Belgrade. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,440/yr | $287/mo | +110% vs avg |
| Young Adult (20-25) | $2,293/yr | $191/mo | +40% vs avg |
| Adult (26-35) | $1,638/yr | $137/mo | 0% vs avg |
| Mid-Career (36-50) | $1,441/yr | $120/mo | -12% vs avg |
| Senior (51-65) | $1,360/yr | $113/mo | -17% vs avg |
| 65+ | $1,458/yr | $122/mo | -11% vs avg |
Teens in Belgrade pay an average of $3,440/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,360/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Montana cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Belgrade drivers can save up to $450/year. ZIP 59747 (Belgrade South Side) has the lowest rates starting at $1,543/yr.
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