Dear Fellow Montanan: I am pleased to provide you with the Montana 2015 Automobile Insurance Rate Comparison Guide.

MONTANA

Dear Fellow Montanan: I am pleased to provide you with the Montana 2015 Automobile Insurance Rate Comparison Guide. One of my goals as Commissioner of Securities & Insurance is to help you be an informed buyer. I believe in order to maintain a healthy, competitive marketplace, it is critically important to provide consumers with the resources they need to compare insurance rates. Monica J. Lindeen This guide gives you a general idea of the premium rates charged in Montana. For more specific information, you must contact the individual insurance companies. Comparison shopping takes time, but can save you money. Use this guide to narrow the choice of insurers or agents you may want to contact. Shop carefully and contact the CSI if you have any questions or need additional assistance. Our knowledgeable staff is available to help you with a wide range of insurance issues. Please call the consumer hotline at 1-800-332-6148 or from Helena at 444-2040. You will also find more information on our web site at www.csi.mt.gov. Sincerely, Monica J. Lindeen Commissioner of Securities & Insurance Montana State Auditor

About this guide This guide compares how much a Montana driver might pay for auto liability insurance coverage in nine different geographic areas: Billings, Bozeman, Butte, Great Falls, Helena, Kalispell, Missoula, Scobey and Thompson Falls. Fourteen of the auto liability insurance companies that write the most insurance in Montana chose to participate in our survey and their sample rates are featured on pages 7-13. For further information, please refer to the CSI publication Montana Consumer Guide to Auto Insurance at www.csi.mt.gov/consumers, located under the Consumer Publications link. (Or request a hard copy by calling 1-800-332-6148.) How to use this guide 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, 2015. 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 noted, these limits are $25,000 bodily injury coverage for one person, $50,000 for coverage of bodily injury for 2 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 will probably require you to buy Comprehensive and Collision coverage. However, the state s minimum requirements do NOT include such coverage. There may also be other coverage you wish to consider that is 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. Need More Help? Professional consumer advocates are available to assist you on a wide-range of insurance issues. Call the CSI Insurance Hotline 1-800-332-6148

Seven different insurance scenarios are outlined below Find the example that best matches your situation. Refer to the corresponding chart on the following pages and find your geographic region. The chart accompanying each example outlines the quotes received from the fourteen insurers responding to our survey. Please note: Coverage for all examples is: 25/50/10 liability; 25/50 uninsured motorist The plans included in this guide are examples only EXAMPLE 1 These premiums apply to a 19-year-old who drives a 2009 Honda Civic sedan 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. 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 teenagers, ages 16 and 17, are also drivers. The 40-year old drives a 2011 Ford Edge 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 is newly licensed, 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. A) The 17-year-old drives a 2004 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 1999 Volkswagen Passat sedan 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 2004 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 1999 Volkswagen Passat sedan 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 2014 Kia Soul to and from work, 20 miles each way, five days a week, for an annual total mileage of 15,000. 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, whom have previous insurance. The 30-year-old drives a 2014 Subaru Forrester 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 2012 Jeep Wrangler Unlimited to and from work, 20 miles each way, five days a week, for an annual total mileage of 20,000. 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 teenagers, ages 16 and 18, are also drivers. The 42-year-old drives a 2010 Toyota Camry to and from 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 2013 Toyota 4 Runner to and from 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 is newly licensed, 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. A) The two teenagers share the third household vehicle, a 2005 Chevrolet Cobalt sedan. 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 2001 Ford Focus sedan to and from school, five miles each way, five days a week. The 18-year-old drives a 2005 Chevrolet Cobalt sedan to and from school, five miles each way, five days a week. The annual total mileage is 5,000 on each vehicle. 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 teenagers are also drivers. The 48-year-old drives a 2013 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 2011 GMC Sierra 3500 HD pickup for farm use only. The annual total mileage on this vehicle is 15,000. The 14 and 15-year-old have valid operator s licenses and drive a 1989 Ford F150 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2002 Ford Ranger 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. A) None of the drivers have accidents or driving citations. The 50-year-old had an at-fault accident 2 years ago, on which the insurer paid $20,000 to settle. B) The 50-year-old had an at-fault accident 2 years ago, on which the insurer paid $20,000. 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 2015 Chevrolet Tahoe 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. A) Annual total mileage is 5,000 miles. B) Annual total mileage is 10,000 miles. 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 who chose to respond to our survey. The quotes correspond to each example illustrated for nine geographic regions in Montana.

How to Shop for Auto Insurance Before buying insurance, consider contacting several insurance agents or companies to find the best combination of quality and price. Know what you want before you shop; you ll be less likely to buy something you don t need. And finally, ask several agents or companies for an annual premium quote for your auto. Shopping Tips Be sure to tell your company or agent if the following information applies to you. You may be entitled to a lower premium. Your auto has an anti-theft device, automatic seatbelts, and/or airbags. Your auto is used for pleasure driving only and you do not drive it to work. You are in a car pool and drive to work an average of no more than two days per week. You are a full-time student and your grade point average is 3.0 or above. You drive a short distance to work. You drive fewer than 7,500 miles per year. You have had no accidents or violations. You have successfully completed a driver education course. Many mutual companies pay dividends to their policyholders at the end of the year. However, dividend amounts are not guaranteed. Do your shopping as far in advance as possible. This gives you time to consider more companies and prevents a hasty decision. Remember, if you change companies at a time other than the policy renewal date, you will be charged for the administrative costs of canceling the policy. If you have been denied coverage by an insurance company due to an auto accident or traffic violation, try another company. Do not assume that you will be turned down by all companies. Different companies use different underwriting standards. If several companies turn you down, try some companies that have higher premiums. What to do if you are unable to obtain auto insurance A licensed agent can help you get insurance through the Montana Automobile Insurance Plan administered by the Western Association of Automobile Insurance Plans. However, this Plan should be a last resort because the premiums are generally higher than those sold by private companies.

EXAMPLE 1 These premiums apply to a 19-year-old who drives a 2009 Honda Civic sedan 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. Coverage: 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. Thompson Billings Bozeman Butte Great Falls Helena Kalispell Missoula Scobey Falls A B A B A B A B A B A B A B A B A B Allstate Fire & Casualty Insurance Co. 476 719 461 695 434 649 528 809 431 645 530 811 503 765 378 553 530 811 Depositors Insurance Co. 634 750 543 640 709 840 722 856 577 682 637 753 581 686 541 638 684 811 Farmers Alliance Mutual Insurance Co. 451 676 381 514 467 635 467 635 483 655 381 514 483 655 326 440 381 514 Mid-Century Insurance Co. 425 617 389 565 358 522 410 599 396 577 405 594 396 577 313 456 405 594 Mountain West Farm Bureau 1211 1470 886 1072 970 1175 1196 1452 1270 1543 1192 1447 1184 1437 818 987 957 1158 Progressive Direct Insurance Co. 742 920 593 731 707 876 663 819 631 780 682 845 707 876 507 622 609 753 Progressive Northwestern Insurance Co. 820 1043 637 808 775 986 722 917 683 867 743 946 775 986 529 671 652 830 Safeco Insurance Co. 590 625 476 504 534 565 558 591 515 545 591 624 556 589 419 443 504 532 State Farm Fire & Casualty Insurance Co. 505 966 390 744 514 982 557 1064 423 807 497 950 500 955 299 569 482 921 State Farm Mutual Auto Insurance Co. 455 554 351 427 462 564 501 611 381 464 447 545 450 548 269 327 434 529 Travelers Insurance Co. 511 658 440 565 392 499 559 722 418 534 483 620 494 635 338 427 344 434 Trinity Universal Insurance Co. 662 x 647 x 710 x 693 x 627 x 737 x 653 x 736 x 609 x United Service Automobile Assoc. 256 353 219 302 225 310 244 338 213 294 235 324 234 323 181 249 201 277 USAA Casualty Insurance Co. 278 384 238 329 245 338 266 368 232 320 256 354 254 352 197 271 219 302 x Indicates that a company would not write the risk. Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 2015 Automobile Insurance Rate Comparison Guide

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 2011 Ford Edge 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 is newly licensed, 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. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) The 17-year-old drives a 2004 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 1999 Volkswagen Passat sedan 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 2004 Chevrolet Malibu, to and from school, five miles each way, five days a week, with occasional driving on the weekends. The 16-year-old drives a 1999 Volkswagen Passat sedan 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. Thompson Billings Bozeman Butte Great Falls Helena Kalispell Missoula Scobey Falls A B A B A B A B A B A B A B A B A B Allstate Fire & Casualty Insurance Co. 1372 1372 1329 1329 1248 1248 1576 1576 1237 1237 1582 1582 1480 1480 1042 1042 1582 1582 Depositors Insurance Co. 1133 1133 973 973 1264 1264 1289 1289 1035 1035 1141 1141 1044 1044 972 972 1226 1226 Farmers Alliance Mutual Insurance Co. 858 933 653 709 805 874 805 874 832 904 653 709 832 904 555 604 653 709 Mid-Century Insurance Co. 1734 1734 1578 1578 1455 1455 1699 1699 1622 1622 1693 1693 1622 1622 1245 1245 1693 1693 Mountain West Farm Bureau Mutual Ins. Co. 1160 1160 866 866 941 941 1149 1149 1211 1211 1141 1141 1136 1136 807 807 930 930 Progressive Direct Insurance Co. 1707 1707 1343 1343 1624 1624 1513 1513 1438 1438 1564 1564 1624 1624 1134 1134 1384 1384 Progressive Northwestern Insurance Co. 2098 2098 1626 1626 1983 1983 1845 1845 1745 1745 1903 1903 1983 1983 1350 1350 1669 1669 Safeco Insurance Co. 805 871 631 682 707 764 751 812 688 743 793 858 742 802 550 594 661 714 State Farm Fire & Casualty Insurance Co. 1111 1111 858 858 1129 1129 1223 1223 930 930 1093 1093 1098 1098 659 659 1060 1060 State Farm Mutual Auto Insurance Co. 1000 1000 773 773 1016 1016 1101 1101 837 837 984 984 989 989 594 594 954 954 Travelers Insurance Co. 1248 1287 1060 1094 925 958 1375 1422 999 1031 1174 1212 1202 1242 785 808 796 821 Trinity Universal Insurance Co. 1335 1586 1305 1549 1429 1701 1396 1659 1265 1502 1478 1760 1315 1563 1476 1757 1231 1461 United Service Automobile Assoc. 1005 1045 861 895 888 923 967 1005 840 873 936 973 922 959 713 740 794 825 USAA Casualty Insurance Co. 1070 1112 917 953 946 984 1031 1072 895 930 999 1039 982 1021 759 789 846 879 Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 2015 Automobile Insurance Rate Comparison Guide

EXAMPLE 3 These premiums apply to a 27-year-old with previous insurance that drives a 2014 Kia Soul to and from work, 20 miles each way, five days a week, for an annual total mileage of 15,000. Coverage: 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. Thompson Billings Bozeman Butte Great Falls Helena Kalispell Missoula Scobey Falls A B A B A B A B A B A B A B A B A B Allstate Fire & Casualty Insurance Co. 218 236 215 231 209 224 232 252 205 221 234 254 227 246 192 205 234 254 Depositors/Allied Insurance Co. 281 315 250 278 311 349 316 355 262 292 285 320 264 295 248 276 302 339 Farmers Alliance Mutual Insurance Co. 436 1503 335 1136 409 1409 409 1409 423 1456 335 1136 423 1456 287 966 335 1136 Mid-Century Insurance Co. 214 274 198 253 185 236 210 268 202 258 210 266 202 258 164 209 210 266 Mountain West Farm Bureau Mutual Ins. Co. 252 252 191 191 207 207 251 251 263 263 249 249 248 248 179 179 204 204 Progressive Direct Insurance Co. 329 425 274 349 316 405 300 384 288 368 306 393 316 405 244 304 280 356 Progressive Northwestern Insurance Co. 312 398 244 310 293 373 275 349 260 331 281 358 293 373 205 258 247 315 Safeco Insurance Co. 212 263 175 216 195 242 202 250 188 233 214 265 202 251 157 193 186 230 State Farm Fire & Casualty Insurance Co. 222 267 172 208 225 271 244 294 186 225 218 263 219 264 133 161 212 255 State Farm Mutual Auto Insurance Co. 199 221 155 171 203 224 219 243 168 185 196 217 197 218 120 132 190 211 Travelers Insurance Co. 282 348 249 305 226 274 307 383 239 291 270 336 275 342 201 241 204 247 Trinity Universal Insurance Co. 316 979 310 955 338 1049 330 1029 301 924 350 1089 312 963 348 1090 294 896 United Service Automobile Assoc. 124 143 107 123 110 126 118 136 105 120 114 131 114 131 91 104 99 114 USAA Casualty Insurance Co. 131 150 113 130 116 133 125 144 110 127 120 138 120 138 95 109 105 120 Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 2015 Automobile Insurance Rate Comparison Guide

EXAMPLE 4 These premiums apply to a two-person household, ages 30 and 35, whom have previous insurance. The 30-year-old drives a 2014 Subaru Forrester 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 2012 Jeep Wrangler Unlimited to and from work, 20 miles each way, five days a week, for an annual total mileage of 20,000. Coverage: 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. Thompson Billings Bozeman Butte Great Falls Helena Kalispell Missoula Scobey Falls A B A B A B A B A B A B A B A B A B Allstate Fire & Casualty Insurance Co. 255 270 249 263 240 253 268 284 234 247 271 287 264 280 221 231 271 287 Depositors/Allied Insurance 336 358 301 319 367 392 372 398 314 334 338 360 315 335 299 317 356 381 Farmers Alliance Mutual Insurance Co. 453 1010 349 767 425 945 425 945 439 977 349 767 439 977 295 649 349 767 Mid-Century Insurance Co. 308 361 281 328 259 301 302 352 289 336 302 350 289 336 222 258 302 350 Mountain West Farm Bureau Mutual Ins. Co. 404 404 305 305 331 331 400 400 420 420 397 397 396 396 287 287 327 327 Progressive Direct Insurance Co. 443 544 365 443 425 519 401 489 385 469 412 502 425 519 319 383 373 451 Progressive Northwestern Insurance Co. 443 520 346 403 419 488 390 456 369 431 401 467 419 488 290 337 352 411 Safeco Insurance Co. 258 298 209 240 231 266 243 280 224 258 255 294 241 277 184 211 217 250 State Farm Fire & Casualty Insurance Co. 366 406 284 316 372 413 402 446 308 342 360 400 362 402 220 245 349 388 State Farm Mutual Auto Insurance Co. 329 364 256 283 335 370 362 401 277 306 324 359 326 360 198 219 315 348 Travelers Insurance Co. 356 412 312 360 280 342 389 517 298 350 340 462 346 459 246 300 249 323 Trinity Universal Insurance Co. 448 809 440 792 479 864 467 846 427 766 493 895 442 796 491 892 419 747 United Service Automobile Assoc. 245 265 213 230 218 235 234 254 207 224 225 243 226 245 180 194 197 213 USAA Casualty Insurance Co. 260 281 226 244 231 250 249 269 220 238 239 259 240 259 191 206 209 226 Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 2015 Automobile Insurance Rate Comparison Guide

EXAMPLE 5 These premiums apply to a household with previous insurance, ages 42 and 45, whose two teenage children, ages 16 and 18, are also drivers. The 42-year-old drives a 2010 Toyota Camry to and from 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 2013 Toyota 4 Runner to and from 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 is newly licensed, 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. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) The two teenagers share the third household vehicle, a 2005 Chevrolet Cobalt sedan. 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 2001 Ford Focus sedan, to and from school, five miles each way, five days a week. The 18-year-old drives a 2005 Chevrolet Cobalt sedan to and from school, five miles each way, five days a week. The total annual mileage on each vehicle is 5,000. Thompson Billings Bozeman Butte Great Falls Helena Kalispell Missoula Scobey Falls A B A B A B A B A B A B A B A B A B Allstate Fire & Casualty Insurance Co. 1207 1608 1162 1547 1080 1435 1357 1814 1068 1420 1363 1822 1286 1717 913 1207 1363 1822 Depositors/Allied Insurance Co. 1246 1724 1070 1477 1393 1929 1421 1968 1139 1574 1258 1741 1152 1593 1068 1475 1354 1876 Farmers Alliance Mutual Insurance Co. 959 1123 728 850 899 1051 899 1051 929 1087 728 850 929 1087 621 722 728 850 Mid-Century Insurance Co. 1921 2152 1742 1951 1597 1787 1865 2087 1786 1999 1849 2067 1786 1999 1367 1530 1849 2067 Mountain West Farm Bureau Mutual Ins. Co. 1625 1801 1197 1326 1307 1448 1607 1780 1702 1886 1600 1772 1590 1762 1107 1226 1290 1428 Progressive Direct Insurance Co. 2181 2432 1707 1907 2068 2320 1928 2156 1827 2046 1988 2233 2068 2320 1431 1607 1754 1977 Progressive Northwestern Insurance Co. 2409 2702 1862 2096 2273 2564 2115 2380 1998 2255 2179 2463 2273 2564 1545 1746 1908 2165 Safeco Insurance Co. 993 1078 773 837 868 941 933 1001 846 918 980 1065 913 991 675 731 814 883 State Farm Fire & Casualty Insurance Co. 1208 1500 934 1155 1227 1518 1329 1644 1012 1252 1188 1469 1194 1477 718 889 1152 1425 State Farm Mutual Auto Insurance Co. 1025 1344 791 1038 1041 1366 1128 1480 858 1125 1008 1322 1013 1329 608 798 977 1282 Travelers Insurance Co. 1737 1796 1475 1525 1295 1338 1955 2024 1392 1439 1671 1729 1705 1764 1091 1130 1119 1157 Trinity Universal Insurance Co. 1872 2433 1827 2375 2002 2602 1958 2544 1768 2297 2075 2697 1838 2389 2074 2695 1717 2233 United Service Automobile Assoc. 721 1238 620 1062 638 1093 692 1189 605 1035 669 1149 663 1136 517 881 573 979 USAA Casualty Insurance Co. 767 1317 660 1131 680 1165 738 1268 644 1103 714 1228 705 1210 551 938 610 1043 - Indicates that a company would not write the risk. Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 2015 Automobile Insurance Rate Comparison Guide

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 2013 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 2011 GMC Sierra 3500HD pickup for farm use only. The annual total mileage on this vehicle is 15,000. The 14 and 15-year-old drive a 1989 Ford F150 4WD pickup for farm use only, for an annual total mileage of 6,000. The 17-year-old drives a 2002 Ford Ranger 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. Coverage: 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. Allstate Fire & Casualty Insurance Co. Depositors/Allied Insurance Co. Farmers Alliance Mutual Insurance Co. Mid-Century Insurance Co. Mountain West Farm Bureau Mutual Ins. Co. Progressive Direct Insurance. Co. Progressive Northwestern Insurance Co. Safeco Insurance Co. State Farm Fire & Casualty Insurance Co. State Farm Mutual Auto Insurance Co. Travelers Insurance Co. Trinity Universal Insurance Co. United Service Automobile Assoc. USAA Casualty Insurance Co. Thompson Billings Bozeman Butte Great Falls Helena Kalispell Missoula Scobey Falls A B A B A B A B A B A B A B A B A B 1269 1361 1223 1311 1136 1220 1431 1540 1125 1208 1437 1546 1355 1455 959 1026 1437 1546 1222 1472 1055 1265 1360 1643 1386 1675 1120 1346 1232 1484 1131 1359 1053 1263 1322 1596 806 851 613 646 756 798 756 798 782 825 613 646 782 825 522 552 613 646 2222 2316 2008 2092 1825 1900 2134 2221 2051 2136 2100 2184 2051 2136 1564 1628 2100 2184 1047 1077 782 803 849 873 1037 1066 1093 1124 1030 1059 1025 1054 728 748 839 862 2236 2587 1749 2018 2106 2435 1971 2277 1867 2153 2021 2333 2106 2435 1461 1680 1779 2050 2770 2981 2139 2301 2595 2795 2424 2610 2286 2460 2481 2672 2595 2795 1762 1896 2166 2331 841 902 657 704 737 791 783 840 718 770 831 892 775 832 574 616 692 743 1140 1200 883 929 1159 1220 1255 1320 956 1006 1122 1181 1127 1186 680 716 1088 1145 1027 1153 795 891 1043 1171 1130 1269 861 966 1010 1134 1015 1139 612 686 980 1100 1270 1322 1082 1120 944 983 1402 1461 1018 1054 1195 1245 1225 1274 798 832 813 845 1208 1297 1180 1268 1287 1383 1260 1354 1147 1230 1332 1432 1188 1275 1327 1427 1118 1199 1093 1151 938 987 965 1015 1048 1103 913 961 1011 1064 1003 1055 778 818 864 909 1162 1223 997 1049 1027 1080 1116 1175 972 1005 1078 1134 1067 1122 828 870 919 967 Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 2015 Automobile Insurance Rate Comparison Guide

EXAMPLE 7 These premiums apply to a two-person household, both age 68, with previous insurance. They own a 2015 Chevrolet Tahoe 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. Coverage: 25/50/10 Liability; 25/50 Uninsured Motorist A) Annual total mileage is 5,000. B) Annual total mileage is 10,000. Allstate Fire & Casualty Insurance Co. Depositors/Allied Insurance Farmers Alliance Mutual Insurance Co. Mid-Century Insurance Co. Mountain West Farm Bureau Mutual Ins. Co. Progressive Direct Insurance Co. Progressive Northwestern Insurance Co. Safeco Insurance Co. State Farm Fire & Casualty Insurance Co. State Farm Mutual Auto Insurance Co. Travelers Insurance Co. Trinity Universal Insurance Co. United Service Automobile Assoc. USAA Casualty Insurance Co. Thompson Billings Bozeman Butte Great Falls Helena Kalispell Missoula Scobey Falls A B A B A B A B A B A B A B A B A B 221 226 217 222 210 214 235 241 207 211 236 242 229 235 193 197 236 242 293 293 258 258 322 322 327 327 270 270 293 293 270 270 256 256 310 310 376 376 289 289 353 353 353 353 365 365 289 289 365 365 249 249 289 289 216 216 200 200 188 188 211 211 204 204 210 210 204 204 167 167 210 210 199 232 154 178 165 191 197 231 206 241 195 228 195 228 145 167 163 189 361 361 300 300 344 344 327 327 314 314 334 334 344 344 263 263 303 303 353 353 275 275 330 330 309 309 293 293 316 316 330 330 228 228 277 277 200 212 164 173 182 192 190 201 177 186 200 211 189 200 147 154 173 182 152 180 118 140 154 182 167 197 128 151 149 177 150 178 92 108 145 171 137 162 107 126 139 164 150 178 115 136 135 159 135 160 83 98 131 154 283 283 251 251 227 227 305 305 240 240 268 268 274 274 202 202 203 203 225 225 221 221 240 240 235 235 213 213 247 247 222 222 247 247 210 210 145 158 125 136 128 139 138 150 121 132 132 144 133 145 105 114 115 125 153 167 132 144 135 147 146 159 128 140 140 153 141 153 111 120 122 133 Please note: The above premiums reflect surveys completed by the insurers and only those insurers who chose to respond to the survey are included. 2015 Automobile Insurance Rate Comparison Guide

CONSUMER INFORMATION ALLSTATE FIRE & CASUALTY INSURANCE CO. DEPOSITERS/ALLIED INSURANCE CO. 2775 Sanders Rd. Ste. A5 Northbrook, IL 60062-6127 1100 Locust Des Moines, IA 50391 1-800-255-7828 www.allstate.com 1-800-982-0756 www.alliedinsurance.com FARMERS ALLIANCE MUTUAL INSURANCE CO. PO Box 1401 McPherson, KS 67460 1-316-241-2200 ext. 1505 www.fami.com MID-CENTURY INSURANCE CO. MOUNTAIN WEST FARM BUREAU MUTUAL INSURANCE CO. PROGRESSIVE DIRECT INSURANCE CO. PROGRESSIVE NORTHWESTERN INSURANCE CO. SAFECO INSURANCE OF ILLINOIS STATE FARM FIRE AND CASUALTY CO. STATE FARM MUTUAL AUTOMOBILE INSURANCE CO. TRAVELERS INSURANCE CO. TRINITY UNIVERSAL INSURANCE CO. UNITED SERVICE AUTOMOBILE ASSOC. USAA CASUALTY INSURANCE CO. 4680 Wilshire Blvd Los Angeles, CA 90010 931 Boulder Drive Laramie, WY 82070 PO Box 31260 Tampa, FL 33631 PO Box 6807 Cleveland, OH 44101 2012 Corporate Dr. Ste. 108 Naperville, IL 60563 PO Box 59059 Knoxville, TN 37950-9059 12926 Gran Bay Pky West Jacksonville, FL 32258 9800 Fredericksburg Road San Antonio, TX 78288 800-327-6377 www.farmers.com 1-307-745-4835 www.mwfbi.com 1-800-888-7764 www.progressive.com 1-800-876-5581 www.progressiveagent.com 800-332-3226 www.safeco.com www.statefarm.com 1-800-842-5075 www.travelers.com 1-866-860-9348 www.kemper.com 1-800-531-8722 www.usaa.com

Technical Notes Some of the companies that participated in this survey have differences in determining the premiums. These include: Mountain West Farm Bureau Mutual Insurance Co. All Examples Use liability limits of 25/50/25, medical limits of $1,000 and 25/50 uninsured and underinsured motorists coverage. United Service 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, National Guard, Selected Reserve, and recently retired or separated personnel. Compare Insurance Rates Online If you prefer, use the Commissioner of Securities & Insurance website for quick and easy comparisons of auto, homeowners, Medicare supplements, and long-term care insurance rates. www.csi.mt.gov/consumers

CONTACT US CONTACT US MONICA J. LINDEEN Commissioner of Securities & Insurance MONICA J. LINDEEN Montana State Auditor Commissioner of Securities & Insurance Montana State Auditor CONSUMER HOTLINE CONSUMER 406-444-2040 HOTLINE 1-800-332-6148 (Outside Helena) 444-2040 1-800-332-6148 (Outside Helena) Fax: 406-444-3497 TDD Phone: 406-444-3246 Fax: 406-444-3497 TDD Phone: 406-444-3246 Commissioner of Securities & Insurance Montana State Auditor 840 Helena Avenue Helena, MT 59601 Commissioner of Securities & Insurance Montana State Auditor 840 Helena Avenue Helena, MT 59601 www.csi.mt.gov www.csi.mt.gov The Office of the Commissioner of Securities and Insurance, Montana State Auditor, attempts to provide reasonable accommodation for any known disability that may interfere with a person's ability to participate in any service, program or activity of the agency. Alternative accessible formats of this document will be provided upon request. For more information call (406) 444-2040 or TDD (406) 444-3246.