Montana DUI and insurance: How much does a DUI raise your insurance?

Does a DUI raise car insurance rates in Montana?

Montana car insurance averages $2,193 with a clean driving record. However, average car insurance rates after a DUI increase to $3,602, which is $1,409 more.

Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $5,343.

How much does a DUI raise your insurance in Montana?

The most affordable insurer after a DUI is State Farm, offering average annual rates of $1,960. The second-lowest option is Progressive, which costs $758 more than State Farm. Kemper provides the third-cheapest car insurance rates for drivers with a DUI.

Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a DUI differently and sets its own pricing, comparing quotes from several companies is essential.

The table below lists theaverage car insurance rates after a DUI in Montana.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
State Farm	$1,858	$1,960	$1,960
Progressive	$2,414	$2,718	$4,264
Kemper	$2,692	$2,823	$2,955
Allstate	$2,949	$3,986	$5,630
Farmers	$2,939	$5,392	$7,099
GEICO	$2,382	$6,497	$15,903
USAA	$919	$1,794	$2,237

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PEOPLE ASK:

What happens when you get a DUI in Montana?

If you're convicted of a DUI in Montana, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for five years.

If someone gets a DUI in your car, does it go on your insurance?

Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.

However, your premiums may increase if your vehicle is involved in a crash resulting from a DUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.

How long does a DUI affect your insurance in Montana?

Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Montana and stays on your record for five years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a DUI raise insurance by age group?

Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $4,854.

Below are the cheapest insurers after a DUI for each age group:

For teens: State Farm has the most affordable rate at $4,854.
For young adults: State Farm offers the lowest-priced coverage for young adults at $2,135.
For adults: State Farm provides the best rate, averaging $1,960.
For seniors: State Farm delivers the cheapest average rate at $1,749.

This table illustrates how a DUI affects car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
State Farm	$4,557	$4,854	$297	7%
Progressive	$6,450	$6,947	$497	8%
Kemper	$8,149	$8,555	$406	5%
Allstate	$8,880	$12,957	$4,077	46%
Farmers	$8,771	$15,002	$6,231	71%
GEICO	$7,284	$16,849	$9,565	131%
State Farm	$4,557	$4,854	$297	7%
Progressive	$6,450	$6,947	$497	8%
Kemper	$8,149	$8,555	$406	5%
Allstate	$8,880	$12,957	$4,077	46%
Farmers	$8,771	$15,002	$6,231	71%
GEICO	$7,284	$16,849	$9,565	131%
USAA	$2,894	$5,012	$2,118	73%
USAA	$2,894	$5,012	$2,118	73%

How much does a DUI raise your insurance in your city?

The most affordable city in Montana for car insurance after a DUI is Missoula, while the most expensive is Hardin, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $3,857. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.

This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Anaconda-Deer Lodge County	$2,013	$3,301	$1,288	64%
Belgrade	$2,018	$3,315	$1,297	64%
Billings	$2,157	$3,560	$1,403	65%
Butte	$2,054	$3,366	$1,312	64%
Flaxville	$2,196	$3,649	$1,453	66%
Geraldine	$2,231	$3,733	$1,502	67%
Hardin	$2,328	$3,857	$1,529	66%
Kalispell	$2,196	$3,612	$1,416	64%
Missoula	$1,908	$3,089	$1,181	62%
Plains	$2,197	$3,475	$1,278	58%
Anaconda-Deer Lodge County	$2,013	$3,301	$1,288	64%
Belgrade	$2,018	$3,315	$1,297	64%
Billings	$2,157	$3,560	$1,403	65%
Butte	$2,054	$3,366	$1,312	64%
Flaxville	$2,196	$3,649	$1,453	66%
Geraldine	$2,231	$3,733	$1,502	67%
Hardin	$2,328	$3,857	$1,529	66%
Kalispell	$2,196	$3,612	$1,416	64%
Missoula	$1,908	$3,089	$1,181	62%
Plains	$2,197	$3,475	$1,278	58%

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How to get car insurance after a DUI in Montana

Insurers will label you a high-risk driver after a DUI, but you can still secure car insurance. Finding suitable coverage following a DUI conviction may require some additional effort.

If you already have car insurance and receive a DUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.

If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Montana, as each company sets its own rates after a DUI.

Montana DUI insurance requirements and penalties

A DUI in Montana means you must meet specific high-risk driver requirements. In Montana, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.

A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.

The table below highlights Montana DUI laws and the penalties for both first-time and repeat offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.16	6 months	Yes	Mandatory for repeat convictions	Yes	No
0.16	6 months	Yes	Mandatory for repeat convictions	Yes	No

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*BAC is blood alcohol concentration

How long after a DUI does your insurance go down?

A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.

Montana drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for five years.

Tips to save money after a DUI

A DUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.

Montana drivers can cut car insurance expenses after a DUI by:

Raising their deductible to reduce monthly premiums
Looking for discounts, such as multi-policy savings or safety feature discounts
Keeping a clean driving record going forward
Completing a defensive driving course
Improving their credit score
Comparing quotes from multiple insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, 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

Additional rate data is drawn based on:

One and two DUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Montana DUI insurance: Frequently asked questions

How far back do insurance companies look for a DUI?

Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.

Will my insurance drop me after a DUI in Montana?

Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.