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.

CompanyAverage annual premium for clean recordAnnual 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.

Montana
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over 2K1 At-fault property damage accident under 2K1 comprehensive claim for over 2k1 comprehensive claim for under 2k2 At-fault property damage accident over 2k2 comprehensive claims for over 2k2 speeding tickets 11 mph or overAt-fault bodily injury accidentCareless drivingDUI/DWI first offenseDUI/DWI second offenseDistracted driving ticketDriving without a license or permitDriving without insuranceFailure to stopFailure to yieldFair creditFollowing too closelyHit and run - injuryHit and run - property damageImproper turnImproper/illegal passLapse of coverage for 7 daysLapse of coverage for 7 to 30 daysLapse of coverage for over 30 daysOperating a vehicle in a race (highway racing)Passing stopped school busPoor creditReckless drivingSR22 Filing OnlySR22 with 1 DUISeatbelt infractionSingle vehicle accident (so the drivers car only)Speeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limitTalking on cellphone ticketTexting ticket
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Montana, MT is $3,085
Show Graph View
CompanyAnnual premium for clean recordAnnual 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
Average annual rate

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.

CompanyAverage annual premium for clean recordAnnual 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.

CompanyAverage annual premium for clean recordAnnual 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.

CompanyAverage annual premium for clean recordAnnual 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.

CompanyAnnual premium for good creditAnnual 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.

CompanyAverage annual premium for clean recordAnnual premium for one at-fault accidentAnnual 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.

CityAverage annual premium for clean recordAnnual 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.

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