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Montana Car Insurance for Bad Credit Drivers

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

Cheapest Companies for Drivers With Bad Credit in Montana (2022)

For drivers with bad credit in Montana, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Montana. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Montana.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers$112
American Family Insurance$126
The General$147
Safeco Insurance$182
Nationwide$202
Midvale Home & Auto$243

Bad Credit Car Insurance in Montana

Montana is known for its wide-open spaces and limitless sky. But if you've pushed your credit to the max too many times, auto insurers here may not be that kind.

It is legal in this state (and most states) for auto insurers to consider your credit score when deciding to give you insurance and setting your rates. Low credit scores often lead to higher-than-average premiums in Montana.

Montana Car Insurance Rates for Bad Credit Drivers

Excellent
$150
Good
$167
Average
$169
Poor
$183

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Montana?

Drivers with bad credit pay about 13 percent more than average in Montana—a slight difference, but one that can add up over time.

Statistically speaking, if you have bad credit, you are more likely to file a claim than the average person. For this reason, rates are set higher for drivers with questionable credit. In Montana, that equals about $21 extra a month.

Avg. Monthly Cost - for Drivers with Good Credit
$160
Avg. Monthly Cost - for Drivers with Bad Credit
$182
$22 ▴
13.75% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Montana?

Credit checks are a big deal, so it's no wonder that someone from the Big Sky State would be concerned. The fact is, it's hard to find a company that won't want to review these financials. Note: when the auto insurance company pulls your score, it doesn't affect your credit at all.

Car insurance companies only use certain aspects of your credit report to determine your eligibility for car insurance and overall risk. Outstanding debt, length of credit history, and late payments are just some of the items insurers consider.

Montana Car Insurance Rates by Credit Tier

If you're a driver with a poor credit score in Montana, you'll pay 22 percent more than those with excellent credit. You can save nearly $15 a month by bumping up your credit score to average.

Credit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$150
Good$167
Average$169
Poor$183

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Car Insurance Rates With Bad Credit in Montana Cities

Tips for Researching Bad Credit Montana Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Montana draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Montana Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Montana. Insurify analyzed the latest data for the five most populous cities in Montana to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Montana and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jeanette Wisniewski
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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