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Maintain a clean driving record to avoid paying higher auto insurance premiums in Montana

Montana has a well-deserved reputation for sky-high auto insurance rates. With an average annual insurance rate of $1894, Montana is the fourth most expensive state to buy auto insurance. As of December 2013, the only states where auto insurance is more expensive than in Montana are: Louisiana, Michigan, Georgia, and Oklahoma.

Auto insurance is mandatory in Montana. Inability to furnish proof of financial responsibility results in heavy penalties. Auto insurance rates depend on several factors such as your age, gender and most importantly your previous driving record.

In Montana, if your car is involved was involved in an accident in the past three years, your auto insurance premium can increase up to $2,333. Two accidents on your driving record will further increase your premium up to $3,480.

Let us consider the insurance rates in the city of Helena. The average insurance premiums in this city are lower than most other cities in Montana. The average annual insurance rate in Helena is $1608.

Let us see how your driving record could drive up your average insurance rates.  After one accident you would have to pay $1980 as insurance premium. Two accidents will increase the average insurance premium to $2954, which is $1000 more than what you pay as average auto insurance premium in almost all the cities of Montana. And if you happen to get charged and convicted of a DUI, you have to pay an annual average insurance rate of $2991, which is around $1500 more than the average insurance premium in this city.

Taking a defensive driving course could bring your insurance premium down. But you would still have to pay an average annual premium of $ 2542. In a state where the insurance rates range between $1600 and $1900, any escalation in the rates could result in significant financial damages.

Montana Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Montana, MT.

Lowest Rate:$1,600
Average Rate:$1,900
Highest Rate:$2,900

Recent Savings From Top Providers in Montana

Rank Customer Zipcode Amount Saved
1 59032 $764
2 59400 $757
3 59400 $755
4 59001 $753

Compare Auto Insurance Companies in Montana

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
GEICO A++ 1936
Liberty Mutual A 1912

Montana Auto Insurance Requirements

Minimum limits of liability for auto insurance in Montana as per MT State Laws

Bodily Injury Liability

  • $25,000 for death/injury of any one person, per accident.
  • $50,000 for all persons per accident.

Property Damage Liability

  • $10,000 per accident.

Montana Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Montana is the vehicle's make and model. Especially the vehicle's theft rates in Montana

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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Latest Auto Insurance Reviews in Montana

MOUNTAIN WEST FARM BUREAU

$202.80 for 6 Months

My husband and I share insurance under this policy. We both have spotless driving records, with no accidents, DUIs or traffic violations. We receive a safe driver discount. We share the car that is insured under this policy, which is a 2003 Buick LeSabre. I am a 28-year-old female who is married to a 33-year-old male. I drive a few times a week to take my son to appointments and different places. My husband drives twice a day, approximately 4 miles per day. We drive together for shopping and recreation a few times a week, probably around 20 miles per week. We have liability insurance, because of our low income. We chose this company because they have a great reputation with my husband's parents, and they have excellent prices and coverage for what we buy. I switched to this company from Farmer's when I married my husband, as my old policy had extremely higher prices and much worse coverage. I saved an average of $400 a year when I switched. We like this company because the price is great for the coverage we have.