Cheapest car insurance for high-risk drivers in Montana

Which company has the cheapest car insurance in Montana for a bad driving record?

Kemper offers the cheapest average rate in Montana for drivers with a poor driving record at $3,165 per year. State Farm and Progressive also rank among the more affordable insurers for high-risk drivers.

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

Read our methodology

How much is high-risk car insurance in Montana?

The average cost of high-risk car insurance in Montana is $3,395 per year. Depending on your driving history and insurer, you may be able to find rates as low as $3,165 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Montana, MT is $3,085

Show Graph View

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

Read our methodology

Average annual rate

People ask

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Montana after a DUI?

State Farm has the cheapest average DUI insurance rates in Montana at $1,960 annually.

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

Read our methodology

What is the cheapest car insurance in Montana with multiple tickets?

State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,960 a year or $163 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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

Read our methodology

Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Montana?

State Farm provides the cheapest average reckless driving insurance rates in Montana at $1,960 per year.

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

Read our methodology

Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Montana?

The cheapest Montana insurer for bad credit is GEICO, with rates averaging $2,919 per year or $243 per month. The good news is that drivers with bad credit can still get 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

Read our methodology

What company has the cheapest car insurance in Montana after an accident?

State Farm has the cheapest average post-accident insurance rates in Montana at $2,075 per year. GEICO also offers below-average rates after an at-fault crash.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

Read our methodology

Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is the cheapest for high-risk car insurance in Montana?

Missoula has the cheapest average high-risk car insurance rates in Montana at $2,917 annually. In comparison, Hardin has the highest average premiums at $3,627 per year.

Where you live in Montana matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

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

Read our methodology

How can high-risk drivers lower their car insurance rates in Montana?

High-risk drivers in Montana can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. 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 are considered a high-risk driver in Montanadepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Montana's insurance requirements for high-risk drivers?

If you're a high-risk driver in Montana, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Montana

Can high-risk drivers get full coverage car insurance in Montana?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Montana?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.