Car insurance rates depend on many variables, including your driving record and coverage options. While some are within your power to control, others may not. Either way, it’s important to understand all of these components that comprise your Montana car insurance rate before shopping around and purchasing a policy that best meets your needs.

Montana Car Insurance Calculator

The annual average car insurance premium in Montana is $399 – much cheaper than its national equivalent – although drivers should still carefully consider their coverage needs; minimum liability protection could leave them exposed financially in case of an accident.

MoneyGeek can help you quickly compare Montana car insurance quotes from top providers in just minutes! Simply provide some personal data and driving history information and receive estimates from multiple providers for Montana auto coverage.

Montana car insurance rates depend heavily upon both your driving record and credit score, as well as the level of coverage you select. Drivers with excellent credit are seen as less likely to file future claims and receive lower premiums compared with drivers with poor credit. Furthermore, full coverage policies usually cost more than minimal liability policies since insurers take into account your risk for future claims when setting premiums.

Age also plays a part in your Montana car insurance premium; teenage drivers are the most costly to insure due to their inexperience on the roads and higher accident risks; adding one could increase your premium up to 3.1x!

Montana auto insurance rates will increase if your driving history includes violations, accidents and DUIs; such incidents could even cause disqualification from driving for some period. You can help mitigate their effect by attending defensive driving courses or traffic school classes to mitigate these incidents on your rate.

Montana’s auto insurance market is highly competitive, with several major providers offering various policies and discounts. Below is a table showcasing some of Montana’s best car insurers based on price, coverage offerings, customer satisfaction levels and other metrics.

This table presents data derived from real-time quotes from leading providers. While these companies might offer car insurance in Montana, their actual rates depend on your specific driving profile and individual needs.

The above data represents averages for Montana’s most commonly selected coverage levels, while legally minimum requirements exist, many insurance experts advise taking more comprehensive policies – this could include collision and comprehensive insurance as a complement to basic liability minimum coverage, providing more comprehensive protection in case of a crash.