Montana Car Insurance Calculator

Many factors come together to influence your car insurance rates. Understanding each factor’s effect on premium can help ensure you find a policy tailored perfectly to your needs. MoneyGeek conducted an in-depth analysis on how Montana insurers calculate car insurance quotes, then created this calculator as a way of helping drivers estimate rates within 10-15 minutes and with accuracy.

The calculator below is designed to give an estimate of Montana driver insurance premiums based on average driver profiles and vehicle models, though your individual rates will depend upon driving history, vehicle ownership and coverage levels. To get an approximate car insurance cost, enter some basic information below.

Montana car insurance premiums can be among the highest in terms of overall costs, according to Bankrate, with an annual full coverage premium cost estimated at an estimated average annual premium rate of $2,319. Those with poor credit may incur even higher charges as well.

Maintaining a clean driving record in Montana is the surest way to lower car insurance premiums and save on both cost and trouble in filing an SR-22 policy in case of traffic violations.

Not only does your driving record impact your car insurance rate; so too do the type of vehicle and mileage. If you own a newer model vehicle or cover many miles every year, comprehensive and collision coverage should also be added on top of any minimum liability requirements by law.

Uninsured/underinsured motorist coverage in Montana isn’t mandatory, but many drivers opt to add it as extra financial protection in case they’re involved in an accident with an uninsured or underinsured driver. Should such an event arise, this coverage could help cover your medical bills and vehicle repairs incurred as a result of being involved with such a driver.

Drivers in Montana may opt to add personal injury protection (PIP) coverage, which covers medical bills and damages in case another driver causes a crash that’s their fault. Though optional, PIP may be worth investing in if your deductible is high or you drive an older car.

USAA is proud to provide Montanan drivers with an array of auto insurance solutions. No matter if you are in Billings, Great Falls or Yellowstone National Park – USAA has competitive rates, discounts and exceptional service that are sure to save money over time. Get a quote now and start saving!