Cheap car insurance in Montana

Cheap car insurance in Montana

It is mandatory to get car insurance in Montana for drivers to drive legally in the state. Different companies in Montana provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Montana:

Name of the Company Average annual car insurance premiums
Safeco $858
USAA $1110
National Farmers Union P&C $1150
State Farm $1155
MetLife $1168
Allied $1367
Progressive $2012
Farmers $2087
GEICO $2125
Allstate $2557
Metropolitan $4930

Cheap car insurance in Montana for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Montana with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Montana provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Montana by maintaining a good driving record. Most auto insurance companies in Montana provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $345 on car insurance premiums in Montana.
  •  Drivers may save $575 on car insurance premiums if they have an accident-free record in Montana.
  •  By maintaining a good credit history you may save $1657 on car insurance premiums in Montana. 

Cheap car insurance for inexperienced drivers in Montana

Most auto insurance providers may charge high auto insurance premiums in Montana from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Montana vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Montana. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $4255 $7252
17 $4060 $4146
18 $3952 $5660
19 $3952 $3295

Affordable auto insurance in Montana for high-risk drivers

Car insurance companies in Montana charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Montana can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Montana may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2196
DUI $2310
Speeding Violation $1965
Bad Credit $3278

Best car insurance companies in Montana

Car insurance prices in Montana may vary from company to company. Some companies in Montana charge lower car insurance premiums than others. To get the best auto insurance policy in Montana you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Montana by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Montana:

  1. Allied
  2. Allstate
  3. Cal Casualty
  4. Farmers
  5. GEICO
  6. MetLife
  7. National Farmers Union
  8. Progressive
  9. Safeco
  10. State Farm
  11. USAA

What auto insurance coverage is mandatory to purchase for drivers in Montana?

The average annual cost to get the minimum required coverage in Montana may be around $455.  The minimum required coverage for drivers in Montana to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $10000

 The state minimum auto insurance requirements in Montana

The state minimum auto insurance coverage requirement in Montana is liability coverage.

  1. $25000 bodily injury coverage per person is required in Montana.
  2. $50000 bodily injury coverage per accident is required in Montana.
  3. $10000 property damage coverage per accident is required in Montana.

Other types of optional coverages in Montana are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. Uninsured/Underinsured Motorist Bodily Injury
  8. Additional Liability

Fine for driving without car insurance in Montana

If anyone caught driving without a car insurance policy in Montana then police may charge a fine.

Car insurance prices by cities in Montana

Car insurance premiums in Montana may vary from city to city. In some cities of Montana, car insurance prices are high compared to others.

City Average annual insurance premiums
Columbia Falls $1557
Evergreen $1588
Whitefish $1580
Havre $1555
Miles City $1532
Polson $1528
Lewistown $1527
Glendive $1526
Sidney $1523
Livingston $1485
Billings $1476
Great Falls $1440
Belgrade $1437
Hamilton $1432
Bozeman $1428
Laurel $1422
Missoula $1395
Helena $1365

If you are looking for a car insurance deal in Montana, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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