Best Car Insurance in Montana: Finding the best car insurance in Montana doesn’t have to feel like searching for a needle in a haystack.
Whether you’re cruising through the wide-open roads of Big Sky Country or tackling the snowy winters in places like Missoula or Billings, having the right car insurance is a must. Car insurance in Montana is essential not just to comply with the law but also to protect your financial well-being.
So, let’s dive into what you need to know to secure the best policy and how you can get a free quote today.
Why Car Insurance is Essential in Montana
Montana, like most states, requires drivers to have car insurance. This isn’t just a formality—it’s essential for your safety and others on the road.
Legal Requirements for Car Insurance in Montana
Montana law mandates that drivers carry a minimum amount of liability insurance to cover damages if they’re at fault in an accident. The minimum coverage limits are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage per accident
Financial Protection and Peace of Mind
Accidents happen, and without proper insurance, the costs can be devastating. Having the right coverage ensures you’re not left holding the bill for damages or medical expenses, giving you peace of mind every time you hit the road.
Types of Car Insurance Coverage in Montana
Understanding the different types of coverage helps you choose the best policy for your needs:
- Liability Coverage: Covers injuries and damages to others if you’re at fault.
- Comprehensive Coverage: Protects your vehicle from non-collision damage, such as theft or weather events.
- Collision Coverage: Pays for damages to your car in the event of a crash.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver without adequate insurance.
- Personal Injury Protection (PIP): Pays for medical expenses regardless of fault.
4. How Much Car Insurance Do You Need in Montana?
The state’s minimum requirements may not be enough, depending on your personal situation. If you have a newer vehicle or significant assets, it’s wise to consider increasing your coverage limits or opting for full coverage to safeguard against hefty bills.
Factors That Affect Car Insurance Rates in Montana
Car insurance rates vary based on several factors. Here are the key considerations:
- Age and Driving Experience: Younger, less experienced drivers often pay more.
- Vehicle Type: Expensive or high-performance vehicles generally cost more to insure.
- Driving Record: Tickets, accidents, and DUIs will spike your premiums.
- Location: Living in cities like Billings or Bozeman may result in higher rates compared to rural areas.
- Credit Score: In Montana, your credit score can influence your insurance premium.
Average Car Insurance Costs in Montana
On average, Montana drivers pay around $1,400 per year for car insurance, which is slightly higher than the national average. However, costs can vary widely based on location. For example, a driver in Billings might pay more than someone in a smaller town like Havre due to population density and traffic conditions.
Top Car Insurance Providers in Montana
Several insurance companies operate in Montana, offering various coverage options at different price points. Some of the top providers include:
- State Farm: Known for excellent customer service and competitive rates.
- Geico: Often praised for affordability and easy online quotes.
- Farmers Insurance: Offers a wide range of customizable coverage.
- Progressive: Popular for its usage-based insurance options.
Montana car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Montana.
Cheap auto insurance in Montana for minimum coverage
Getting the bare minimum coverage is certain to make your car insurance costs lower, with average yearly costs coming in at just $399. However, remember that forgoing higher levels of coverage also means going without the protection it provides. Most insurance professionals recommend adding higher coverage levels to keep yourself fully protected. Have a look at the tables below to get an idea of the costs for minimum coverage.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $197 |
| General Casualty | $218 |
| Progressive | $229 |
| State Farm | $285 |
| GEICO | $334 |
| Farmers | $534 |
| Allstate | $546 |
Cheap auto insurance in Montana with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Montana drivers with exceptional credit pay 47% less per year than those with poor credit. Have a look at some common rates by credit tier below.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $2,005 |
| Progressive | $2,131 |
| General Casualty | $2,169 |
| GEICO | $2,640 |
| State Farm | $2,773 |
| Farmers | $3,224 |
| Allstate | $4,085 |
Cheap auto insurance in Montana with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as 35%.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Montana at-fault accident costs
| Company | Avg. Annual Premium |
|---|---|
| USAA | $1,349 |
| State Farm | $1,633 |
| General Casualty | $1,977 |
| Progressive | $2,010 |
| GEICO | $2,533 |
| Farmers | $2,942 |
| Allstate | $3,330 |
Cheap auto insurance for young drivers in Montana
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Montana, teen drivers pay especially high rates: $4,476 per year — a nearly 192% increase over what the typical Montana driver pays.
Teen car insurance rates in Montana
| Company | Avg. Annual Premium |
|---|---|
| USAA | $3,048 |
| General Casualty | $3,134 |
| State Farm | $3,867 |
| Progressive | $3,954 |
| GEICO | $4,637 |
| Farmers | $6,735 |
| Allstate | $7,944 |
Montana auto insurance rate by violation
In Montana, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer’s pricing standards, and differing local insurance regulations and risks. That’s why tickets may have a different impact on insurance in your state compared to the national average.
Below you can see the average auto insurance rates in Montana after a few common citations.
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,798 | 0% | $0 |
| One Med/PIP claim | $1,798 | 0% | $0 |
| Two Med/PIP claims | $1,847 | 3% | $49 |
| One comp claim | $1,847 | 3% | $49 |
| Not-at-fault accident | $1,852 | 3% | $55 |
| Two comp claims | $1,889 | 5% | $91 |
| Failure to wear a seat belt | $2,005 | 12% | $208 |
| Child safety restraint | $2,010 | 12% | $212 |
| Driving without lights | $2,010 | 12% | $212 |
| Speeding 6 – 10 MPH over limit | $2,019 | 12% | $221 |
| Failure to show documents | $2,078 | 16% | $280 |
| Speeding 11 – 15 MPH over limit | $2,115 | 18% | $317 |
| Texting while driving | $2,136 | 19% | $339 |
| Cell phone violation | $2,136 | 19% | $339 |
| Driving with expired registration | $2,141 | 19% | $344 |
| Speeding 16 – 20 MPH over limit | $2,147 | 19% | $350 |
| Improper passing | $2,156 | 20% | $359 |
| Following too closely | $2,156 | 20% | $359 |
| Failure to stop at a red light | $2,156 | 20% | $359 |
| Failure to yield | $2,156 | 20% | $359 |
| Illegal turn | $2,157 | 20% | $360 |
| Driving too slowly | $2,158 | 20% | $360 |
| Wrong way/wrong lane | $2,199 | 22% | $401 |
| Passing school bus | $2,255 | 25% | $458 |
| At-fault accident – less than $1000 | $2,295 | 28% | $498 |
| Speeding in school zone | $2,300 | 28% | $502 |
| Speeding 21 – 25 MPH over limit | $2,323 | 29% | $526 |
| In 65 MPH zone | $2,323 | 29% | $526 |
| Operating a vehicle without permission | $2,333 | 30% | $536 |
| At-fault accident – $1000-$2000 | $2,439 | 36% | $641 |
| Open container | $2,448 | 36% | $650 |
| At-fault accident – greater than $2000 | $2,462 | 37% | $665 |
| Driving with a suspended license | $2,697 | 50% | $899 |
| Reckless driving | $2,697 | 50% | $899 |
| Refusal to submit to a chemical test | $2,754 | 53% | $957 |
| DUI | $2,874 | 60% | $1,077 |
| Racing | $2,978 | 66% | $1,181 |
| Leaving scene of an accident/hit and run | $3,007 | 67% | $1,209 |
Montana DUI laws
In Montana, a DUI offense can increase your annual car insurance premium by an average of 60%. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Montana
If you’re convicted of a DUI or DWI violation in Montana, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Montana, Progressive advertises annual rates 49% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Montana is State Farm, while the priciest firm is GEICO, with prices 18% above average.
Montana car insurance rates after a DUI
| Company | Avg. Annual Premium |
|---|---|
| Progressive | $1,478 |
| State Farm | $1,816 |
| USAA | $2,081 |
| General Casualty | $2,637 |
| Farmers | $2,827 |
| Allstate | $3,285 |
| GEICO | $3,392 |
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Among Montana’s largest cities, the cheapest car insurance is found in Missoula, Montana, and the most expensive in Billings, Montana.
Have a look at the table below to see average car insurance costs in some of Montana’s biggest cities.
Montana car insurance rates by city
| City | Avg. Annual Premium |
|---|---|
| Missoula | $1,524 |
| Helena | $1,543 |
| Great Falls | $1,665 |
| Bozeman | $1,666 |
| Billings | $1,737 |
Car insurance price trends in Montana
In Montana, average annual auto insurance costs decreased by $15 in the past year. A typical Montana driver pays an average of $1,534 per year.
The recent pricing trend in Montana leans toward slightly pricier car insurance costs and remains higher than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
MONTANA CAR INSURANCE RATE TRENDS
| Year | Avg. Annual Premium — Montana | Yearly Change — Montana | Avg. Annual Premium — US | Yearly Change — US |
|---|---|---|---|---|
| 2021 | $1,534 | -$15 | $1,529 | $46 |
| 2020 | $1,549 | $14 | $1,483 | $61 |
| 2019 | $1,535 | $90 | $1,544 | $23 |
| 2018 | $1,445 | -$351 | $1,521 | $84 |
| 2017 | $1,796 | $234 | $1,437 | $69 |
| 2016 | $1,562 | -$323 | $1,368 | $88 |
| 2015 | $1,885 | $216 | $1,280 | $51 |
| 2014 | $1,669 | $155 | $1,229 | $34 |
| 2013 | $1,514 | -$63 | $1,195 | -$80 |
| 2012 | $1,577 | $323 | $1,276 | $82 |
How to Get a Free Car Insurance Quote in Montana
Getting a free quote is easier than ever. You can compare rates online with just a few clicks or reach out to local agents who know the intricacies of Montana’s market. It’s crucial to shop around and compare quotes to find the best deal.
Tips for Saving Money on Car Insurance in Montana
- Bundle Policies: Combine auto, home, or renter’s insurance for a discount.
- Safe Driving Discounts: Maintain a clean driving record for lower premiums.
- Usage-Based Insurance: Pay for coverage based on how much you drive.
- Good Student Discounts: Students with high grades can earn reduced rates.
- Raise Your Deductible: A higher deductible can lower your monthly premium, but be sure you can afford it in case of an accident.
Choosing the Right Insurance Company for Your Needs
When choosing an insurer, consider more than just price. Look for a company with a strong financial rating, positive customer reviews, and a hassle-free claims process. Don’t hesitate to ask about their customer support and how they handle claims.
Local vs. National Insurance Providers
Local insurance providers may offer more personalized service and a better understanding of Montana’s specific needs, while national companies often provide broader coverage and more online tools. Weigh the pros and cons to find the right fit.
Common Car Insurance Discounts in Montana
- Multi-Policy Discounts: Save by bundling multiple insurance policies.
- Senior Discounts: Some companies offer lower rates for older drivers.
- Military Discounts: Active-duty and retired military members often qualify for discounts.
How to File a Car Insurance Claim in Montana
If you’re involved in an accident, follow these steps to file a claim:
- Document the scene with photos and gather witness statements.
- Notify your insurance company as soon as possible.
- Provide detailed information about the accident, including the police report.
- Work with the claims adjuster to get an estimate for repairs.
Montana’s No-Fault Insurance Laws – What You Should Know
Montana does not follow a no-fault insurance system. This means the at-fault driver is responsible for covering damages. It’s crucial to have adequate liability coverage to protect yourself from out-of-pocket expenses.
FAQs about Car Insurance in Montana
1. Is car insurance required in Montana?
Yes, car insurance is required in Montana. Drivers must carry a minimum level of liability insurance to cover potential damages or injuries from an accident. The state-mandated minimum coverage includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage.
2. What is the average cost of car insurance in Montana?
The average cost of car insurance in Montana is around $1,300 per year, which is slightly higher than the national average. Your rate will depend on factors like your driving record, age, vehicle type, and the coverage options you choose.
3. Can I get cheap car insurance in Montana?
Yes, there are ways to find affordable car insurance in Montana. Shopping around, comparing quotes from different insurers, and bundling your policies (like home and auto insurance) can help lower your premiums. Additionally, maintaining a good driving record and taking advantage of discounts can help reduce costs.
4. What happens if I drive without car insurance in Montana?
Driving without car insurance in Montana can lead to serious penalties. If you’re caught, you may face fines, license suspension, and even jail time. Additionally, you could be held personally responsible for any damages or injuries caused in an accident.
5. How can I lower my car insurance rates in Montana?
To lower your car insurance rates in Montana, consider raising your deductible, maintaining a clean driving record, and asking about available discounts, such as safe driver or multi-policy discounts. You can also save by driving a vehicle with good safety features or by completing defensive driving courses.
6. What factors affect car insurance rates in Montana?
Several factors can affect car insurance rates in Montana, including your age, driving history, location, the type of vehicle you drive, and the coverage you choose. Other factors like your credit score and whether you’ve had any recent claims can also influence your premium.
7. Are there special car insurance requirements for high-risk drivers in Montana?
Yes, high-risk drivers in Montana may need to purchase SR-22 insurance, which is a certificate of financial responsibility. This is typically required after a serious driving offense, like a DUI, and guarantees that you have the necessary insurance coverage.
8. Can I drive in Montana with out-of-state insurance?
Yes, as long as your policy meets Montana’s minimum liability requirements, you can legally drive in the state with out-of-state insurance. However, if you become a Montana resident, you’ll need to update your registration and insurance to comply with local laws.
9. What is no-fault insurance, and does Montana require it?
Montana is not a no-fault insurance state. This means that in the event of an accident, the at-fault driver is responsible for covering damages. Some states require no-fault insurance, but Montana follows the traditional liability system.
10. How do I file a car insurance claim in Montana?
If you’re involved in an accident, start by notifying your insurance company as soon as possible. Provide them with details of the accident, including the other driver’s information, any police reports, and any photos or evidence you collected at the scene. Your insurance company will guide you through the claims process from there.
Conclusion
Finding the right car insurance in Montana is crucial for both your financial security and peace of mind. With the vast array of options available, selecting a policy that meets your coverage needs while staying within your budget can seem overwhelming. However, by comparing different providers, understanding the types of coverage, and considering factors like your driving habits and vehicle type, you can make an informed decision that protects you and your loved ones on the road.
Ready to start saving? Get a free car insurance quote today and find the best coverage at a price that works for you. Don’t wait – take the first step towards affordable car insurance in Montana!
References
For further reading and to validate the information provided in this article about car insurance in Montana, the following reputable sources have been cited. These sources offer valuable insights into the specifics of car insurance policies, requirements, and tips for finding affordable coverage in the state:
- Montana State Auditor’s Office – This official government site provides up-to-date information on car insurance laws and regulations in Montana. It’s a reliable source for understanding the minimum coverage requirements and consumer protections in the state.
Visit Montana State Auditor’s Office - Insurance Information Institute (III) – III offers comprehensive guides on car insurance across the U.S., including Montana. Their resources cover key aspects of coverage types, how premiums are calculated, and tips for reducing insurance costs.
Visit the Insurance Information Institute - Montana Department of Justice – Motor Vehicle Division – This site provides important information about vehicle registration and insurance requirements in Montana. It’s an excellent resource for understanding how insurance ties into vehicle ownership and driving laws in the state.
Visit Montana Department of Justice - National Association of Insurance Commissioners (NAIC) – The NAIC provides tools and resources for comparing car insurance rates across states, helping you make an informed decision when shopping for coverage in Montana.
Visit NAIC - ValuePenguin – Montana Car Insurance Guide – A trusted consumer information website that offers in-depth research on car insurance providers in Montana, their average rates, and strategies to save on premiums.
Visit ValuePenguin
By referring to these authoritative sources, you can ensure that you are well-informed when making decisions about your car insurance in Montana.
