Cheapest car insurance for high-risk drivers in Montana

Cheapest car insurance in Montana for a bad driving record

Kemper, State Farm, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Montana.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Montana, high-risk car insurance costs $3,395 per year. However, you can get rates as low as $3,165 annually 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.

Read on as we explain high-risk car insurance factors and rates below.

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 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

Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $1,960 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Montana for drivers with a clean record versus those with a DUI.

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

The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $1,960 annually or $163 monthly.

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

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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 per year.

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.

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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Cheapest car insurance in Montana with bad credit

In Montana, GEICO provides the lowest premiums for drivers with poor credit, averaging $2,919 per year or $243 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Montana.

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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Cheapest car insurance after an accident in Montana

State Farm has the lowest average rates after an accident at $2,075 a year. GEICO also offers affordable rates, averaging $3,499 per year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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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Cheapest car insurance in Montana by city

In Montana, the lowest car insurance rates are found in Missoula, averaging $2,917 annually. On the other hand, Hardin has the highest rates at $3,627 a 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

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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 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.

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.

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.