- Cheapest car insurance in Montana for a bad driving record
- How much is high-risk car insurance in Montana?
- Cheapest car insurance in Montana with a DUI
- Cheapest car insurance in Montana with multiple tickets
- Cheapest car insurance in Montana with a reckless driving conviction
- Cheapest car insurance in Montana with bad credit
- Cheapest car insurance after an accident in Montana
- Cheapest car insurance in Montana by city
- How to reduce car insurance rates in Montana for a bad driving record
- Montana car insurance laws for high-risk drivers
- Compare Montana high-risk driver car insurance rates with other states
Cheapest car insurance in Montana for a bad driving record
Kemper, State Farm, Progressive offers affordable car insurance for high-risk drivers with bad driving record in Montana.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Kemper | $2,692 | $3,165 |
| State Farm | $1,858 | $3,227 |
| Progressive | $2,414 | $3,248 |
| GEICO | $2,382 | $3,652 |
| Allstate | $2,949 | $3,717 |
| Farmers | $2,939 | $5,127 |
| USAA | $919 | $1,511 |
How much is high-risk car insurance in Montana?
A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,395 in Montana, you can find rates as low as $3,165 from Kemper.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $919 | $1,241 |
| State Farm | $1,858 | $2,075 |
| GEICO | $2,382 | $3,499 |
| Progressive | $2,414 | $3,658 |
| Kemper | $2,692 | $3,946 |
| Farmers | $2,939 | $4,064 |
| Allstate | $2,949 | $4,375 |
PEOPLE ASK:
Who is considered high-risk for insurance in Montana?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Montana with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,960.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Montana.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,858 | $1,960 |
| Progressive | $2,414 | $2,718 |
| Kemper | $2,692 | $2,823 |
| Allstate | $2,949 | $3,986 |
| Farmers | $2,939 | $5,392 |
| GEICO | $2,382 | $6,497 |
| USAA | $919 | $1,794 |
Cheapest car insurance in Montana with multiple tickets
State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,960 or $163.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Montana drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,858 | $1,960 |
| GEICO | $2,382 | $2,638 |
| Progressive | $2,414 | $3,127 |
| Kemper | $2,692 | $3,239 |
| Allstate | $2,949 | $3,288 |
| Farmers | $2,939 | $4,911 |
| USAA | $919 | $1,208 |
Cheapest car insurance in Montana with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,960.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,858 | $1,960 |
| Kemper | $2,692 | $3,130 |
| Progressive | $2,414 | $3,343 |
| Allstate | $2,949 | $3,986 |
| GEICO | $2,382 | $4,577 |
| Farmers | $2,939 | $5,543 |
| USAA | $919 | $1,269 |
Cheapest car insurance in Montana with bad credit
Based on our research, GEICO is the cheapest car insurance company for drivers with poor credit, averaging $2,919 or $243. Fortunately, drivers with bad credit can still find affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Montana car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| GEICO | $2,382 | $2,919 |
| Kemper | $2,692 | $3,317 |
| Progressive | $2,414 | $3,925 |
| Allstate | $2,949 | $4,464 |
| Farmers | $2,939 | $5,036 |
| State Farm | $1,858 | $9,559 |
| USAA | $919 | $2,078 |
Cheapest car insurance after an accident in Montana
State Farm has the lowest rates after an accident at $2,075. GEICO also has affordable rates at $3,499.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $1,858 | $2,075 | $2,075 |
| GEICO | $2,382 | $3,499 | $4,814 |
| Progressive | $2,414 | $3,658 | $4,776 |
| Kemper | $2,692 | $3,946 | $4,925 |
| Farmers | $2,939 | $4,064 | $4,932 |
| Allstate | $2,949 | $4,375 | $5,613 |
| USAA | $919 | $1,241 | $1,566 |
Cheapest car insurance in Montana by city
Missoula has the cheapest car insurance rates in Montana, averaging $2,917. However, the most expensive city is Hardin, with average insurance rates of $3,627.
Where you live in Montana also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Missoula | $1,908 | $2,917 |
| Anaconda-Deer Lodge County | $2,013 | $3,123 |
| Belgrade | $2,018 | $3,132 |
| Butte | $2,054 | $3,171 |
| Plains | $2,197 | $3,311 |
| Billings | $2,157 | $3,357 |
| Flaxville | $2,196 | $3,409 |
| Kalispell | $2,196 | $3,415 |
| Geraldine | $2,231 | $3,493 |
| Hardin | $2,328 | $3,627 |
How to reduce car insurance rates in Montana for a bad driving record
Finding affordable car insurance in Montana is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Montana?
Three years is common, but how long you're seen as a high-risk driver in Montana depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
Montana car insurance laws for high-risk drivers
If you're considered a high-risk driver in Montana, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Compare Montana high-risk driver car insurance rates with other states
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