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Cheapest Car Insurance Rates In Montana (2018)

One of the easiest ways to reduce your monthly expenses is to find cheap auto insurance in Montana. But when you shop around, you’ll notice that insurance companies use very different formulas for calculating their premiums, so you need to find a provider who caters to your specific driver type.

To speed up your search, our Geeks compared the cheapest auto insurance quotes in Montana from nine leading carriers to find the most affordable rates for the following categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$149/month estimate

$/month estimate

Is your driving record spotted with accidents? Or are you one of the lucky drivers who have never been involved in a collision?

If your driving history is crash-free, you should be eligible for very cheap car insurance in Montana because insurance companies will see you as less of a liability. This is especially true of you get a quote from Allstate and Progressive—the two companies that our study identified as having the most affordable car insurance rates in Montana for drivers with no accidents.

Best Rates For Teen Drivers

$209/month estimate

$/month estimate

Some teenagers are incredibly cautious behind the wheel, but they’re still less experienced, which means insurance companies will view them as a greater liability. Our Geeks used an 18-year-old male and female driver to uncover cheap auto insurance rates for young drivers in Montana who need coverage that meets the state’s minimum requirements.

Best Rates For Drivers With A DUI

$208/month estimate

$/month estimate

If you’ve been charged with DWI or DUI, you’ve probably paid a small fortune in attorney fees and court fines. As if those weren’t enough, you’re probably also paying more for car insurance. One way to cut this cost and save a veritable fortune in the long run is to switch to a provider who offers competitive rates for motorists with a DUI conviction. Our hypothetical driver had a conviction for one DUI with a 0.08% BAC. Otherwise, the driver had a clear driving record.

Best Rates For Senior Drivers

$128/month estimate

$/month estimate

These premiums are based on averages from male and female drivers age 65 who drove one-third the yearly mileage as our 29-year-old motorist. Seniors tend to pay lower car insurance rates since they’re on the road less often and are very experienced behind the wheel.

STUDY METHODOLOGY

A 29-year-old driver was used in the “DUI Conviction” and “No Accident History” parts of our analysis. Our researchers calculated the average rates of males and females from five zip codes in MT to find the cheapest carriers. The vehicle we used was a 2014 Toyota Corolla with an annual mileage of 12,000. Besides the teen driver category, all other driver types were looking for 50/100/25 liability coverage and the equal limits for uninsured motorist coverage.

Minimum Auto Insurance Coverage Required By Law In Montana

All motorists in Montana are required to buy car insurance that covers $25,000 for bodily injury to one individual, $50,000 for bodily injuries in one collision, and $10,000 for damage to property.

 

cheapest car insurance in montana

You can learn more about auto insurance by visiting the PennyGeeks blog.

 

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