Cheapest car insurance for high-risk drivers in Montana

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

Drivers with a poor record in Montana will find the lowest rates from Kemper, State Farm and Progressive. Among these, Kemper provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $3,165 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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

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How much is high-risk car insurance in Montana?

In Montana, the average cost of high-risk car insurance is $3,395 per year. However, you may secure coverage from Kemper for as low as $3,165 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

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 getting one for speeding in a school zone will boost 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

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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

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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?

While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,960 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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

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Cheapest car insurance in Montana with multiple tickets

For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $1,960 per year or $163 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Montana how much having multiple tickets can raise their insurance 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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,960 per year.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

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

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Key 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

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

State Farm offers the lowest rates after an accident, averaging $2,075 per year. GEICO is another budget-friendly option, with rates around $3,499 a year.

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

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Key insight

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

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

Missoula has the cheapest car insurance rates in Montana at $2,917 per year. But the most expensive city is Hardin with rates of $3,627 per year.

Your location in Montana also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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

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

Finding affordable car insurance in Montana is possible, even with a bad driving record. Ways to lower car insurance rates include:

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.

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 California depends 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 may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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: