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Montana Car Insurance for High Risk Drivers (With Quotes)

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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.
Mark Steinbach

By: Mark Steinbach

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

Updated March 9, 2022

Cheapest Insurance Companies for High Risk Drivers in Montana (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers 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$130
The General$165
American Family Insurance$200
Nationwide$202
Safeco Insurance$224

What Makes a Driver High-Risk in Montana?

Getting behind the wheel isn't without its risks. Whether it's an accident or a speeding ticket, unfortunate situations can crop up whenever you hit the road. If a car insurance company looks at your driving record and feels you are at a higher risk of filing a claim, they might classify you as a high-risk driver—and potentially charge you higher car insurance rates.

Drivers who find themselves on the picturesque roads of Montana can become high-risk if they get in an at-fault accident, get caught speeding, earn a DUI, or drive recklessly. Each of these mistakes can stay on your record for years, so you should do your best to avoid them. But if you are a high-risk driver, you still have options when it comes to car insurance.

Montana Car Insurance Rates for High-Risk Drivers

No Violation
$167
Speeding Ticket
$180
At-Fault Accident
$181
Reckless Driving
$193
Failure to Stop
$202

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Montana?

When you get behind the wheel, you always want to make sure to avoid high-risk driving behaviors. These include, but are not limited to, speeding, reckless driving, and at-fault accidents.

And unfortunately, car insurance companies will usually require higher car insurance rates if you have such a charge on your record. For instance, Montana drivers with a reckless driving charge can see their rates go up by over 15 percent. Here is how some high-risk driving charges can affect your car insurance rates in Montana:

Driving HistoryAvg. 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.
No Violation$167
Speeding Ticket$180
At-Fault Accident$181
Reckless Driving$193
Failure to Stop$202

How Much Does a Speeding Ticket Impact Car Insurance Rates in Montana?

Going too fast on the roads of Montana doesn't just endanger you and other drivers—it also can lead to a steeper car insurance bill. Here are some typical rates you can expect to see if you have a speeding ticket on your record in Montana:

No Violation - Avg. Monthly Rate
$167
Speeding ticket - Avg. Monthly Rate
$180
$13 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Montana?

All drivers do their best to avoid accidents, but sometimes, mistakes happen. And if you find yourself at fault in an accident in Montana, you'll likely see an increase in your car insurance rates—a $14 increase on average. The table below outlines the impact of an at-fault accident in Montana:

No Violation - Avg. Monthly Rate
$167
Speeding ticket - Avg. Monthly Rate
$181
$14 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Montana?

Failing to stop at a red light or stop sign in Montana can lead to a car insurance bump of $35 per month—which adds up to over $400 over a year. While this mistake can lead to higher rates, you can still find an affordable policy if you shop smart. Here are typical rates for Montana drivers with this kind of offense on their record:

No Violation - Avg. Monthly Rate
$167
Speeding ticket - Avg. Monthly Rate
$202
$35 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Montana?

Getting behind the wheel isn't without its risks. Whether it's an accident or a speeding ticket, unfortunate situations can crop up whenever you hit the road. If a car insurance company looks at your driving record and feels you are at a higher risk of filing a claim, they might classify you as a high-risk driver—and potentially charge you higher car insurance rates.

Drivers who find themselves on the picturesque roads of Montana can become high-risk if they get in an at-fault accident, get caught speeding, earn a DUI, or drive recklessly. Each of these mistakes can stay on your record for years, so you should do your best to avoid them. But if you are a high-risk driver, you still have options when it comes to car insurance.

Tips for Researching High-Risk Montana Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Montana draws a wide variety of choices when factoring high-risk driving insurance rates.
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.

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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.

Compare Car Insurance Quotes Instantly

  • 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.

Mark Steinbach
Mark Steinbach

Insurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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