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Looking for cheap car insurance Montana? The cheap car insurance Montana drivers trust can take some effort to find. Montana car insurance coverage is notorious for being more expensive than average. Many motorists opt for basic auto insurance coverage in Montana so they can save some money on their premiums.

Montana ranks #12 for the cost of a car insurance policy. For cheap auto insurance, Montana residents often need to compare car insurance quotes from many different providers before they find one that will really work for them. A good deal on car insurance in Montana can save the average driver hundreds of dollars a year.

Here’s what you need to know before you search for the best cheap car insurance Montana law allows.

car insurance montana

What Kind Of Car Insurance Do You Need In Montana?

One reason why Montana car insurance coverage is expensive is because many people drive without insurance. The minimum car insurance in Montana is the amount you need to hold to legally register a vehicle or drive in the state.

Minimum auto coverage in Montana includes:

  • Bodily Injury: $25,000 per individual and $50,000 per covered traffic event
  • Property Damage: A flat $10,000 per covered traffic event
  • Uninsured/Underinsured Motorist: $25,000 per individual and $50,000 per covered traffic event

As in many states, you will be offered Uninsured and Underinsured Motorist coverage, but you can reject it. You will usually be required to do so in writing to your insurer. This coverage is meant to protect you in case you are in an accident with someone who has no insurance or whose insurance isn’t sufficient to cover accident costs.

To find cheap auto insurance, Montana locals will often start with these minimums. All car insurance firms are required to offer them. Compared to other states, these minimums are lower than many, which gives you the chance to save on car insurance. Just be sure to do everything you can to avoid an accident!

Why Is Car Insurance So Expensive In Montana?

Montana car insurance is expensive for several reasons. Montana has one of the highest rates of auto fatality in the nation. Numbers vary from year to year, but fatality rates in Montana are often twice as much as the national average. Montana has been rated #1 for auto fatalities in a number of years.

Severe weather is also a factor that raises insurance rates in Montana. When there are major summer or winter storms, the number of auto accidents goes up. Plus, accidents tend to be more severe than they would be in mild weather. All of this leads to higher insurance premiums for the state as a whole.

Montana does have one advantage when it comes to cheap car insurance. Major cities with high population densities raise car insurance costs in other states. If you move to a suburban or rural area, you will often pay less – and in Montana, you have plenty of options to choose from!

How Can You Save Money On Car Insurance in Montana?

To save money on car insurance in Montana, always start with the best insurance deal you can find. Check out car insurance quotes from different providers and never settle for the first figures you find. Also, it’s wise to compare car insurance quotes online every year.

Remember, you can always switch car insurance providers if you find a better deal!

Montana car insurance companies have the power to offer discounts to their customers:

  • Discounts for safe drivers who have no traffic infractions
  • Discounts for taking and passing a defensive driving course
  • Discounts for maintaining your car or updating safety features
  • Affiliation discounts for service members, police, and others
 

Insurance companies may not always tell you about their discounts in advance. Once you find a car insurance quote you like, be sure to contact the insurer directly and find out about any savings you might be eligible for.

What Happens If You Don’t Have Car Insurance In Montana?

Driving without car insurance in Montana is a misdemeanor offense. You could pay a fine up to $500 on your first offense and spend up to 10 days in jail. Subsequent offenses lead to harsher penalties. Your license and vehicle registration may be suspended. You’ll need to pay fines and get insurance before you can drive.

Now that you know all about auto insurance coverage in Montana, it’s time to find the right car insurance coverage for you. The key to finding cheap car insurance Montana loves is to compare your car insurance quotes from many different providers throughout the state.

Cheap Insurance makes it easier than ever for you to find the best car insurance rates in Montana. You can get started right now and compare rates online. Questions? Contact our team of auto insurance experts any time.

Who Has The Cheapest Car Insurance In Montana State?

For cheap car insurance, Montana drivers need to do more research than others. Montana ranks in the top 15 most expensive states for car insurance. Although there are dozens of car insurance providers throughout the state, there is no Montana car insurance company that consistently has the lowest prices.

As a rule of thumb, drivers in their 30s and 40s who have a spotless driving record get the best deals on car insurance in Montana. Suburban and rural areas with lower population density may have fewer traffic accidents, which lowers rates. Comparing car insurance online helps you find a bargain.

What Is The average Cost Of Car Insurance In Montana State?

When it comes to cheap auto insurance, Montana drivers are at a disadvantage. Out of all the states and Washington, D.C., Montana has been ranked #12 for the most expensive car insurance. That said, basic Montana auto insurance can be very affordable if you get the right deal.

On average, you can expect to pay just under $1,700 yearly on car insurance in Montana. Basic car insurance in Montana may be as little as about $300. That means there is a cost difference of more than $1,000 for a motorist who decides to get full car insurance coverage in Montana.

What Is The average Cost Of Car Insurance In Montana State?

When it comes to cheap auto insurance, Montana drivers are at a disadvantage. Out of all the states and Washington, D.C., Montana has been ranked #12 for the most expensive car insurance. That said, basic Montana auto insurance can be very affordable if you get the right deal.

On average, you can expect to pay just under $1,700 yearly on car insurance in Montana. Basic car insurance in Montana may be as little as about $300. That means there is a cost difference of more than $1,000 for a motorist who decides to get full car insurance coverage in Montana.

Why is Car Insurance So Expensive In Montana State?

Montana car insurance coverage can be some of the most pricey in the nation, especially if you are not careful to get the best deal possible. For the most expensive car insurance, Montana consistently ranks just outside of the top ten among all the states and the nation’s capital.

Over the last few years, Montana has exceeded the average vehicle fatality rate. At least once, it had the highest vehicle fatality rate in the country. Since claims involving fatality are the most expensive for insurance firms, they have raised monthly car insurance premiums in Montana to recover costs.

What Is The Minimum Car Insurance In Montana State?

Auto insurance coverage in Montana must meet certain basic standards in order to be legal. You will need to show proof of at least this minimum insurance level before you can register a vehicle or drive. Montana has some of the lowest requirements for minimum car insurance.

Minimum car insurance in Montana includes both Bodily Injury and Property Damage coverage. The minimum Property Damage coverage is $10,000 per covered traffic incident. Minimum Bodily Injury is $25,000 per person and $50,000 per covered traffic incident. 

Uninsured/Underinsured Motorist coverage is offered, but not required. You can reject this optional coverage in writing.

Helpful Resources

DMV website

Most vehicle matters are administered by the Montana Department of Justice’s Motor Vehicle Division. Their website may be found here.

Registration Information

Vehicle registrations are conducted by Montana’s Title and Registration Bureau within the Department of Justice’s Motor Vehicle Division. Their website may be found here.

New registrations may be done in person at your local county treasurer’s motor vehicle office. A full listing may be found here.

New residents must transfer a vehicle registration within 60 days of becoming a resident.

We Have Your Town Covered!

Average Annual Premiums in Montana = $1,856 | via Insure.com