Montana car insurance costs depend on many variables, including where you live, what kind of car you drive and how much coverage is purchased. Your driving record is by far the biggest determinant, so any history of traffic violations or accidents is sure to increase premiums significantly; however, by shopping around and comparing quotes from various providers there may still be ways for lowering them post DUI conviction or at-fault accident.

Montana law mandates minimum coverage requirements consist of liability insurance, which provides coverage for other drivers’ medical costs and car repair costs in case you cause an accident. But liability doesn’t protect either yourself or your vehicle, which is why experts suggest adding comprehensive and collision coverage as well. Furthermore, opting for higher deductibles or dropping unnecessary policies such as roadside assistance might save money when purchasing car insurance in Montana.

Age can also play a large part in car insurance rates. Younger drivers are considered more at-risk by insurers, thus leading them to pay higher premiums for coverage. On the other hand, older drivers generally tend to be safer drivers on the road and tend to receive reduced premiums as a result.

Montana residents with poor credit can expect to pay more for car insurance policies, since insurers rely heavily on your credit score when determining risk. People with excellent credit often pay 47% less than those with poor credit for similar policies.

Geographic location plays a significant role in determining the cost of car insurance in Montana, as different areas have different crime rates, traffic volumes and car theft statistics that impact pricing decisions of insurance providers. You might find lower premiums by switching ZIP codes altogether or finding lower-priced insurers altogether.

Montana Car Insurance Calculators Can Assist in Selecting the Appropriate Policy

Montana, with its 77 named mountain ranges, presents unique driving conditions. Montanans who drive on steep roads should familiarize themselves with special rules pertaining to downhill traffic taking priority over uphill vehicles; below are Montana auto insurance calculators which can assist with finding policies tailored specifically to their needs while remaining within budget.