Car insurance is mandatory in Montana and premiums depend on state laws, insurers and individual factors. Many drivers opt for full coverage plans to protect themselves and their vehicle in case of an accident; typically this covers liability, collision and comprehensive policies as well as medical payments coverage or personal injury protection if desired.
Rural area drivers pay more for car insurance due to an increased likelihood of uninsured motorists on these areas’ roads. Insurance companies take other factors such as driving history, credit score and vehicle value into consideration when setting premiums.
Age can have a dramatic effect on Montana car insurance rates. Younger drivers, due to lack of experience on the roads and being considered high risk by insurers, tend to incur more accidents and are consequently charged higher premiums than older drivers.
Your driving record can have a direct influence on the cost of your insurance premiums. Convictions such as DUI or speeding tickets will lead to immediate increases in premiums as insurers view you as high-risk drivers.
when selecting an insurance provider, it is essential to take their customer service and claims handling practices into consideration. The most reputable providers often offer highly competitive rates with discounts and policy options tailored specifically for you.
Location also plays an integral role in Montana car insurance costs, since different states have differing regulations regarding insurance coverage and sales practices. For instance, in certain states if there’s an at-fault accident on your record it will remain there for three years and cause your rates to increase significantly.
Even with a poor driving record, Montana offers affordable car insurance options that fit within your budget. Shopping around and comparing quotes will allow you to find an option that meets both of those criteria.
An effective place to begin when looking for car insurance in Montana is by comparing quotes from some of the leading auto insurers in Montana. ValuePenguin has collected and analyzed hundreds of quotes from Montana’s premier insurers to pinpoint their top options.
Research results of our investigation reveal that State Farm offers Montana residents the cheapest average car insurance, followed by USAA and Geico. USAA boasts the highest customer satisfaction score and financial stability score among these three carriers, while veterans or military members can purchase car insurance through them with special discounts available only to them. Those not eligible can consider State Farm or any carrier who earned excellent ratings in our rankings as alternatives.