Cheap car insurance for drivers with prior incidents
policy companies base your rates on several factors, including your driving history and accredit score. Incidents in your driving history, such as citations for traffic violations or at-fault accidents, can cause your rates to rise .
state of matter farm has the cheapest full coverage car indemnity rates for drivers with a travel rapidly tag, accident or DUI on their record. It is besides the most low-cost option for drivers with bad credit .
Cheapest car insurance after a speeding ticket: State Farm
Drivers in Montana with a holocene speed ticket can find the best rates at State Farm, where a wax coverage policy costs $ 1,047 a year — 53 % less than the express average .
Company |
Annual rate |
Monthly rate |
---|---|---|
State Farm | $1,047 | $87 |
Progressive | $1,862 | $155 |
Geico | $2,337 | $195 |
Allstate | $2,695 | $225 |
Farmers | $4,270 | $356 |
USAA | $1,164 | $97 |
Insurers charge higher rates for drivers with speed tickets because they ’ re more probably to be involved in accidents in the future. On median, Montana drivers can expect their policy to go up by 24 % after a single travel rapidly ticket .
however, some insurers raise rates more than others. Drivers insured with State Farm only receive a 7 % increase, while Farmers raises rates by 39 % .
Cheapest car insurance quotes after an accident: State Farm
We found that State Farm besides has the cheapest rates for drivers with an at-fault accident on their commemorate. On modal, insurance quotes in Montana go up by 43 % after an accident, but State Farm ‘s rates only increased by 14 % to $ 1,116 for a wax coverage policy .
Company |
Annual rate |
Monthly rate |
---|---|---|
State Farm | $1,116 | $93 |
Progressive | $2,310 | $192 |
Geico | $3,110 | $259 |
Allstate | $3,366 | $281 |
Farmers | $4,324 | $360 |
USAA | $1,176 | $98 |
Cheapest car insurance quotes after a DUI: State Farm
State Farm offers the most low-cost entire coverage indemnity rates for Montana drivers with a DUI — $ 2,118 a year or $ 177 a month .
Driving under the influence is a serious offense, and car indemnity companies tend to increase your rates significantly if you get a DUI. We found that the average cost of a full coverage policy after one DUI is $ 3,109 per year — a 74 % addition .
State Farm ‘s rates increased by 117 %, however it is still $ 24 cheaper per year than the second-best option, Progressive. Farmers had the smallest rate increase at 35 %, which was less than the addition after an at-fault accident with the ship’s company .
Company |
Annual rate |
Monthly rate |
---|---|---|
State Farm | $2,118 | $177 |
Progressive | $2,142 | $178 |
Allstate | $3,273 | $273 |
Farmers | $4,154 | $346 |
Geico | $5,238 | $436 |
USAA | $1,732 | $144 |
Drivers convicted of a DUI are much required to get an SR-22 proof of insurance from their insurance company, which may increase your rates even more .
Cheapest car insurance for drivers with poor credit: State Farm
State Farm besides has the best car indemnity rates for Montana drivers with inadequate credit at typically $ 1,789 per year. Insurers consider your credit rating score when setting policy prices because they ‘ve found a correlation between a driver ‘s credit and how frequently they file claims. Drivers in Montana with inadequate citation pay 48 % more on average than those with median credit scores .
Company |
Annual rate |
Monthly rate |
---|---|---|
State Farm | $1,789 | $149 |
Progressive | $2,111 | $176 |
Geico | $2,337 | $195 |
Allstate | $3,546 | $295 |
Farmers | $4,436 | $370 |
USAA | $1,705 | $142 |