Although State Farm is the cheapest car indemnity company for MoneyGeek ’ s sample driver, factors like long time, driving history, coverage total and credit score feign car policy rates in Montana. department of state grow is the best option for all kinds of drivers, from those with a DUI to seniors. For veterans or active military, USAA is the cheapest car policy option in Montana .iconribbon cheap car insurance

Montana 2022

The Cheapest Car Insurance in Montana

Cheapest Minimum Liability Car Insurance in Montana

The cheapest cable car insurance policy in Montana is minimum indebtedness coverage. This type of insurance only meets the express ’ mho minimum requirements for policy coverage. It provides very limited protection to drivers. Based on MoneyGeek ’ s research, the cheapest insurers for minimum liability coverage in Montana are :

  • State Farm: $338 per year
  • GEICO: $401 per year

If you or a family extremity are in the military, USAA ‘s $ 181 average annual premium for minimum coverage in Montana is the most low-cost choice. The company with the highest premium for minimum liability indemnity in the express is MetLife, which costs an average of $ 876 per year .

Cheapest Minimum Car Insurance in Montana
  • ship’s company per annum monthly
  • 1 .USAA $ 181 $ 15
  • 2 .State Farm $ 338 $ 28
  • 3 .GEICO $ 401 $ 33
  • 4 .Progressive $ 535 $ 45
  • 5 .Allstate $ 543 $ 45
  • 6 .Farmers $ 598 $ 50
  • 7. Allied $ 646 $ 54
  • 8 .MetLife $ 876 $ 73

These prices are only estimates based on rates for an average Montana driver and should not be used to compare insurance prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Montana

Full coverage policies in Montana provide higher liability limits and comprehensive coverage that protects you from road-based and off-road accidents. While full coverage rates are costlier than minimal indebtedness insurance, the policy covers damage to your car. By comparing quotes from several carriers, you can find the lowest car insurance rates. Based on MoneyGeek ’ mho scores, the companies offering the cheapest broad car insurance coverage in Montana include :

  • State Farm: $751 per year
  • Allstate: $1,012 per year

For military families, USAA offers the most low-cost full coverage policy in Montana, averaging $ 517 per class. MetLife charges the highest bounty for wax coverage indemnity, costing an average of $ 2,062 annually .

Cheapest Full Coverage Car Insurance in Montana
  • company per annum monthly
  • 1 .USAA $ 517 $ 43
  • 2 .State Farm $ 751 $ 63
  • 3 .Allstate $ 1,012 $ 84
  • 4 .GEICO $ 1,058 $ 88
  • 5. Allied $ 1,084 $ 90
  • 6 .Progressive $ 1,224 $ 102
  • 7 .Farmers $ 1,320 $ 110
  • 8 .MetLife $ 2,062 $ 172

Your rates may differ from these averages based on your alone circumstances. These rates represent a policy that provides comprehensive and collision coverage of $ 100,000 in bodily wound indebtedness per person, $ 300,000 in bodily injury coverage per accident and $ 100,000 in coverage for property damage per accident.

How to Compare Cheap Montana Car Insurance Quotes Online

Most car insurance companies in Montana provide customers with personalized quotes through their websites. These quotes are reasonably accurate .

  • When shopping for car insurance, provide consistent limits to all the providers. For instance, if you request a quote for a policy with $300,000 in bodily liability insurance per accident from one provider, specify the same amount for quotes from other providers.
  • Without entering your personal information, use MoneyGeek’s car insurance calculator to get a quote estimate. If you want a more personalized quote, you do need to include more information. You may also use MoneyGeek’s scores to identify which websites to visit for quotes.
  • According to MoneyGeek, USAA, State Farm and GEICO provide the lowest car insurance rates in Montana. Consider starting your search with these options.

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state Montana age 30-65 drive record clean accredit score excellent Vehicle Type compact Vehicle year 2020 Liability Coverage express Min Comprehensive and Collision Insurance none gender female

Average Annual Auto Insurance Rates

Click the section of the rack in your price range to see options. low end on average eminent end Click your choose price range to see company options. Click an insurance company below to visit their review page or continue to your personalize quotation mark. company average annual Rates 1 .USAA $ 177 2 .State Farm $ 331 3 .GEICO $ 393

Cheapest Car Insurance for Drivers With a DUI in Montana

Montana drivers with dangerous driving violations, such as a DUI, are regarded as bad by insurers and will pay pricier car indemnity premiums. On average, drivers with clean records in Montana pay $ 1,216 per year for policy, while a driver with a DUI could pay $ 2,146 annually. The cheapest providers of full coverage cable car indemnity for drivers with a DUI in Montana are :

  • State Farm: $807 per year
  • Allstate: $1,405 per year

If you are affiliated with the military, USAA ‘s $ 1,021 annual average rate is another competitive option for a Montana driver with a DUI .

Average Car Insurance Rates With a DUI
  • company annually monthly
  • 1 .State Farm $ 807 $ 67
  • 2 .USAA $ 1,021 $ 85
  • 3 .Allstate $ 1,405 $ 117
  • 4 .Progressive $ 1,780 $ 148
  • 5 .Farmers $ 1,847 $ 154
  • 6. Allied $ 2,128 $ 177
  • 7 .GEICO $ 2,998 $ 250
  • 8 .MetLife $ 4,057 $ 338

From 2009-2018, 786 people in Montana died in alcohol-related car accidents. 2.2 % of drivers in Montana say they ‘ve driven after drinking besides a lot in the past 30 days .
Being convicted of a DUI in Montana could lead to hefty fines and jail time. even first-time offenders have to spend a minimum of one nox in imprison and could spend up to six months in imprison. After a second base or third discourtesy, the driver could face up to one year in jail. Getting a DUI doesn ’ thymine only have legal consequences. A DUI will besides raise your cable car insurance rates in Montana. The cost of a DUI goes beyond court fees or fines. Having a DUI on your record doubles your car insurance rates. The DUI will affect your indemnity for at least three years. In some places, it could stay on your record for five or more years. The best choice to get bum car policy with a DUI in Montana is to shop around for the best rate.

Cheapest Car Insurance in Montana for Drivers With an At-Fault Accident

An at-fault accident on your driving record significantly impacts your car indemnity policy rate. MoneyGeek ’ randomness data shows that drivers in Montana with an at-fault accident pay an average of $ 1,623 per year for a car indemnity policy. The most low-cost companies for people with an at-fault accident in Montana are :

  • State Farm: $864 on average per year
  • Allstate: $1,348 on average per year

If you have a military background, USAA offers the cheap cable car insurance policy in Montana after an accident with an average cost of $ 700 annually .

Cheapest Car Insurance With an At-Fault Accident

A composition by the National Highway Traffic Safety Administration shows in 2018, 168 crashes in Montana were caused by distract repel. If you cause an accident because of perturb drive or get a moving irreverence like a speed ticket, you can expect your car indemnity rates to increase. The pursue estimates reflect what drivers in Montana can expect to pay if they get a ticket for speeding or distracted drive. A ticket will likely stay on your car indemnity for three years or more, keeping your indemnity rates higher than usual. You may have trouble finding bum car indemnity after getting a ticket for speeding or distracted tug in Montana. Getting quotes from multiple companies will help you find the lowest price. Montana

Cheapest Car Insurance Companies in Montana for Drivers With Bad Credit

Drivers with bad credit scores in Montana tend to pay more than those with beneficial scores. On average, drivers with broken scores pay $ 2,068 per class. Drivers with good scores and a clean drive record pay an average of $ 1,216 annually. MoneyGeek found that insurers with the lowest fully coverage rates for drivers with bad credit scores in the state include :

  • State Farm: $1,392 per year
  • Allstate: $1,584 per year

Are you or a family member in the military ? If so, USAA ‘s $ 1,058 average annual rate is the most low-cost choice for a Montana driver with bad citation .

Average Car Insurance Rates for Drivers With Bad Credit
  • company annually monthly
  • 1 .USAA $ 1,058 $ 88
  • 2 .State Farm $ 1,392 $ 116
  • 3 .Allstate $ 1,584 $ 132
  • 4 .GEICO $ 1,672 $ 139
  • 5. Allied $ 1,739 $ 145
  • 6 .Progressive $ 2,178 $ 182
  • 7 .Farmers $ 2,193 $ 183
  • 8 .MetLife $ 3,713 $ 309

Some car policy companies look at your credit history when creating your quote. Data used by policy providers suggests that drivers with lower credit scores file more claims. The average credit score in Montana is 720, which is frequently considered a good score. even if you have a lower score, you can inactive find cheap indemnity. Your credit mark might play a function in your car policy rates, but other factors besides make a difference.

Cheapest Car Insurance in Montana for Seniors

elder drivers in Montana are charged more for cable car insurance than middle-aged drivers and young adults. The average monetary value of car indemnity for elder drivers in the express is $ 1,234 per year, while a 40-year-old driver with a clean history pays an median of $ 1,216 per annum. The cheapest full coverage providers in the state for aged drivers are :

  • State Farm: $723 per year
  • Allstate: $1,050 per year

The lowest bounty for Montana seniors is alone available to those with military affiliations. USAA ‘s average annual rate is barely $ 564 .

Average Car Insurance Rates for Seniors
  • ship’s company per annum monthly
  • 1 .USAA $ 564 $ 47
  • 2 .State Farm $ 723 $ 60
  • 3 .Allstate $ 1,050 $ 88
  • 4. Allied $ 1,093 $ 91
  • 5 .GEICO $ 1,100 $ 92
  • 6 .Progressive $ 1,245 $ 104
  • 7 .Farmers $ 1,279 $ 107
  • 8 .MetLife $ 2,147 $ 179

senior drivers in Montana were involved in 36 fatal crashes in 2017. Getting older often means slower reflexes and declining eyesight, which leads to higher indemnity rates for seniors. Drivers over long time 75 must renew their licenses and take tests for vision and road signs every four years in Montana. The above chart details what senior drivers can expect to pay for car indemnity in Montana. Although you may see higher car indemnity rates as a senior, you should get multiple quotes to find cheap car insurance for seniors in Montana.

Cheapest Car Insurance in Montana for Young Drivers

normally, young drivers in Montana get expensive car indemnity quotes from insurance providers because they don ’ t have much drive have. For case, a 16-year-old in Montana pays an average of $ 2,622 per annum for a policy, while a 25-year-old pays an modal of $ 1,068 per year. MoneyGeek ’ south data shows that State Farm is most much the cheapest company for drivers between the ages of 16-25 .

Annual Car Insurance In Montana for Young Drivers

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Students cost the most to insure due to their relative inexperience behind the wheel, so you can expect your policy rates to go up if you add your child to your policy. Most indemnity companies offer discounts, so your scholar can help keep costs down by getting good grades and being a safe driver. Compare quotes from several different insurers to find the lowest rates.

Insurance Rate Information for Military Drivers and Veterans

Montana has over 3,300 active-duty military personnel and about 100,000 veterans. When comparing insurance rates for your vehicle, be surely to mention if you are an active-duty military member or a seasoned. Some Montana cable car policy companies offer military discounts. Others may have special arrangements for active-duty military members who may be deployed out of state. Check out the following table to see estimates of what active-duty and veteran military members will pay for car policy in Montana .

Average Rates for Montana service members

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Car Insurance in Montana: What You Need to Know

All vehicles registered in Montana must have indebtedness insurance, whether anyone drives them or not .

Proof of Insurance in Montana

You must show proof of car indemnity to a patrol policeman if they pull you over or you ’ re in an accident. Most drivers have a forcible insurance tease, but if you can ’ thymine find it or don ’ t have it, the officeholder can use the Montana Insurance Verification System to check .

Minimum Liability Insurance Requirements in Montana

Montana requires relatively depleted limits for liability indemnity :

  • $25,000 for bodily injuries to one person
  • $50,000 for bodily injuries per accident
  • $25,000 for property damage

High-Risk Auto Insurance Program in Montana

If you can not get market-rate policy because of your drive record or due to a history of claims, you can get policy through the state ‘s assigned risk plan. The Montana Auto Insurance Plan is share of the Western Association of Automobile Insurance Plans ( WAAIP ). This should be a last recourse since you are likely to pay a much higher pace through an assigned risk plan than in the regular policy market .

Alternatives to Insurance in Montana

You can choose to self-insure your cable car in Montana through security bonds, but this is a bad and expensive option. Surety bonds allow you to satisfy the fiscal and legal requirements of insurance, but you don ’ thyroxine have insurance coverage. That means your home, wages and other assets could be at hazard in the event you can ’ thyroxine pay up a title against you .

How Much Coverage Do You Need in Montana?

The minimum coverage levels required by law may seem impressive, but they might not cover all of your costs in an accident. The Insurance Information Institute recommends buying adequate coverage to protect assets like your home or savings. Experts besides recommend collision and comprehensive coverage for any vehicle you ‘re not planning on driving to the junkyard within a few years. Unlike other policies, these types of coverage look after your vehicle in sheath of accidents — both on the roadway and off.

Cheapest Car Insurance in Montana by City

The modal car policy rates in Montana may differ depending on where you live in the state of matter. For model, in Billings, the modal cost of a fully coverage car policy is $ 1,216. If you live in a more rural area, your rate may be lower. You can find more information about policy rates in your area by clicking your city below .

Average Insurance Rate by City in Montana

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  • City annually monthly
  • 1 .Billings $ 1,216 $ 101

FAQs About Car Insurance in Montana

The most common questions about car indemnity in Montana are frequently centered around costs and coverage limits. Some that you may come across are :

The average cost of car policy in Montana is $ 1,216 per year .

According to MoneyGeek ’ s research, the best car indemnity company in Montana is State Farm, followed by Allstate .

No, Montana is not among the no-fault car insurance states .

You can maintain lower car indemnity rates in Montana by improving your recognition score since bad credit scores cause an increase in the rates .

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see you ‘re getting the best rate for your car insurance. Compare quotes from the top policy companies. widget-location-pin About the authorexpert-profileexpert-profile Karon Warren is a professional journalist who has covered personal finance, health indemnity, dwelling indemnity, cable car policy, mortgages, bank and more for two decades. Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is besides a penis of the american Society of Journalists and Authors. Karon uses her journalist skills to create in-depth, well-researched finance stories that educate people so they can make inform fiscal decisions that best serve their fiscal goals.

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