Cheap Car Insurance in Montana (With Quotes, August 2022)

Like home and renters insurance, auto insurance costs will vary depending on location within the state and the extent of insurance coverage provided. Driver profile, background, age, and marital status also factor into rates, in addition to driving and accident history for individuals with past DUIs, speeding tickets, or at-fault accidents.

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We compiled a list of the cheapest auto insurance options in the state based on providers’ average monthly quotes to ensure people find the best rates for their personal needs. The following options range from $115 to $221 a month, with Travelers providing the most cost-effective car insurance coverage in the state.

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Cheapest Liability Auto Insurance in Montana

Liability coverage is required in most states and protects drivers when they are responsible for an auto accident or incident. Bodily injury liability and property damage liability cover some of the costs for medical expenses and property damage accrued by those impacted by the driver’s actions. Amounts covered by liability insurance depend on set coverage limits.

Cheapest Full-Coverage Auto Insurance in Montana

A full-coverage car insurance policy provides comprehensive coverage, collision coverage, and liability insurance. Think of this policy as a holistic combination of multiple types of coverage beyond the state minimum coverage. The deductible and coverage limit may vary. Below is a list of the cheapest options to ensure drivers will not be underinsured.

The following chart depicts the highest-rated car insurance providers in Montana, along with their average rates. We compiled the list using the Insurify Composite Score that analyzes and considers a number of factors.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Driving records and accident history impact car insurance rates, with speeding tickets, at-fault accidents, and DUIs often increasing costs more than for those with no recorded violations. Insurify has determined the most cost-effective Montana auto insurance offering coverage for any driving history a person may have.

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Cheap Car Insurance for Good Drivers in Montana

Individuals benefit from having a clean driving record free of any moving violations, accidents, and crimes. A clean record keeps car insurance rates cheap and helps drivers remain in good standing with auto insurance providers. The best Montana car insurance rates for drivers with clean records are provided in the chart below.

Cheap Car Insurance for Drivers with DUI in Montana

In the aftermath of being charged with a DUI, insurance rates increase for at least several years, and other fees and filings become necessary before an individual can start driving again. The multifaceted process can be overwhelming, but Insurify has found the auto insurance providers with the cheapest rates for drivers with DUIs in Montana.

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SR-22 Insurance in Montana

When an individual has their driver’s license suspended, they eventually will need to complete an SR-22 insurance certification that ensures they meet the state’s requirements for auto insurance. The following insurance companies offer this SR-22 certification process for Montana drivers.

Cheap Car Insurance for Drivers with an At-Fault Accident in Montana

Accidents, no matter how small, raise rates for the driver responsible, especially if they did not purchase accident forgiveness as an insurance add-on. Various discounts are available and often necessary to begin lowering costs. The following companies have the lowest rates for Montana drivers with just one at-fault accident.

Cheap Car Insurance for Drivers with Speeding Tickets in Montana

When drivers get a speeding ticket, their insurance rates increase based on the frequency of tickets and on how many miles per hour over the speed limit they were driving. Montana ranks #16 in the nation for the number of speeding infractions per driver. Discount programs are available, and the following insurance providers offer the cheapest rates for insurance coverage.

One factor that might influence what you pay for car insurance is your credit history. Generally, drivers with excellent credit see the lowest rates while drivers with poor credit see the highest monthly premiums. Below is what Montana drivers can expect to pay based on their credit score.

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Montana drivers under 40 typically pay higher rates for car insurance. Insurance companies consider less experienced, young drivers high-risk, specifically teen drivers and 21-year-olds. New drivers even have extra guidelines to consider regarding curfews and device and passenger limitations. Insurify crunched the numbers for the best rates at any age below.

Car insurance premiums may be different from city to city. Insurify reviewed the data of Montana’s major cities to find the cheapest costs in each area. Find out where you can find low rates below, whether you’re in Bozeman, Billings, Helena, or elsewhere.

Every state has minimum insurance requirements, and Montana is no exception. Additionally, all drivers in Montana will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Montana.

Minimum Car Insurance Requirements in Montana

All motor vehicles operated or parked on Montana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Montana^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Montana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Montana, this coverage is required to be offered, but drivers can reject it if they do not want it.

Montana DMV Information

DMVs in Montana offer a number of services for residents, many of which they offer online. Individuals can schedule appointments, renew their driver’s license, access various forms and applications, review their driving records and the status of their license, renew registration, and look up vehicle records online.

Individuals moving to the state have up to 60 days to transfer car registrations and update their driver’s license in person at the DMV. This process requires documents, including proof of residency, proof of identity, and proof of authorized presence in the country.

Public Transportation in Montana

Public transportation in Montana is limited but includes passenger trains, planes, buses, and vans. Specialized services and agencies are available for the elderly and disabled. Amtrak is the passenger train service available, and there are numerous international and smaller airports available within the state. How to Get the Cheapest Car Insurance in Montana

To effectively compare quotes fitting your individual auto insurance needs, utilize Insurify as a tool. As long as you solidify exactly what type of coverage is needed, you will be able to find an insurance company with affordable rates for quality coverage. Insurify allows you to compare quotes in minutes and toggle between various auto insurance companies.