Cheap Car Insurance for Bad Credit Drivers in Montana:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in Montana (2021)

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.

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
Average Monthly Cost
$150
$167
$169
$183
ExcellentGoodAveragePoor
Credit Tier

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.

$160
$182
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$22 ▴Monthly Impact of Bad Credit on Rates
13.75% ▴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 Tier
Excellent$150
Good$167
Average$169
Poor$183

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.

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Insurify Rate Comparison Methodology

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.