Cheap Car Insurance for High-Risk Drivers in Montana:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Montana (2021)

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.

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
Average Monthly Cost
$167
$180
$181
$193
$202
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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 History
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:

$167
$180
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$167
$181
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$167
$202
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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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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.