- Cheapest car insurance for high-risk drivers in Montana
- Average rates for high-risk drivers in Montana by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Montana
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Montana is State Farm, followed by Progressive and Nationwide.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,629 | $136 |
| Progressive | $1,700 | $142 |
| Nationwide | $2,391 | $199 |
| Geico | $2,993 | $249 |
| Kemper Insurance | $3,030 | $253 |
| Farmers | $3,054 | $255 |
| Allstate | $3,159 | $263 |
| USAA | $1,369 | $114 |
Average rates for high-risk drivers in Montana by driving record
Average cost of car insurance in Montana for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,209 |
| State Farm | $1,497 |
| Progressive | $1,914 |
| Nationwide | $2,444 |
| Geico | $2,868 |
| Farmers | $3,188 |
| Allstate | $3,454 |
| Kemper Insurance | $3,776 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Montana for a driver with a DUI is State Farm with an average annual of $1,416 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,416 | $118 |
| Progressive | $1,515 | $126 |
| Kemper Insurance | $2,702 | $225 |
| Farmers | $3,064 | $255 |
| Nationwide | $3,113 | $259 |
| Allstate | $3,373 | $281 |
| Geico | $5,355 | $446 |
| USAA | $1,747 | $146 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Montana, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,416 per year or $118 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,416 | $118 |
| Progressive | $1,650 | $138 |
| Nationwide | $1,958 | $163 |
| Geico | $2,152 | $179 |
| Farmers | $2,718 | $227 |
| Allstate | $2,759 | $230 |
| Kemper Insurance | $3,103 | $259 |
| USAA | $1,082 | $90 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Montana, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,416 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,416 | $118 |
| Progressive | $1,777 | $148 |
| Kemper Insurance | $2,996 | $250 |
| Nationwide | $3,113 | $259 |
| Allstate | $3,373 | $281 |
| Farmers | $3,505 | $292 |
| Geico | $3,764 | $314 |
| USAA | $1,237 | $103 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Montana is Progressive with an average annual cost of $1,956 or $163 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Progressive | $1,956 | $163 |
| Nationwide | $2,243 | $187 |
| Geico | $2,382 | $199 |
| State Farm | $2,695 | $225 |
| Kemper Insurance | $3,173 | $264 |
| Farmers | $3,604 | $300 |
| Allstate | $3,935 | $328 |
| USAA | $1,984 | $165 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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