Montana is an attractive state, yet its rugged terrain and weather conditions present unique driving environments with many risks. Montana auto insurance rates reflect this reality – with an average car insurance rate of $1,693, ranking as one of the 12th highest across all 50 states. Your driving record and type of car can influence rates; but some drivers can save money by decreasing coverage limits or opting for higher deductibles.

Your driving history can have a substantial effect on Montana car insurance rates. Drivers with clean records generally pay less for auto insurance than those who have had traffic violations or caused at-fault accidents in the past. Age also plays a significant role; drivers in their teens typically pay more as they have limited driving experience behind the wheel and are therefore more prone to accidents; conversely drivers over 60 tend to see reduced auto insurance premiums.

Another factor affecting Montana car insurance rates is the make and model of your vehicle. Insurance companies will evaluate it based on safety ratings, repair costs and theft rates when calculating premiums; thus selecting safer or more reliable models could lower premiums overall.

Bundling both auto and home insurance policies together can save money in Montana. Furthermore, you could take steps such as taking defensive driving courses or earning good grades at school in order to cut rates; as well as insuring multiple vehicles under one policy with multiple providers and increasing deductibles to further lower premiums.

No matter how much money you save on Montana car insurance, there are always opportunities to find a better rate on auto coverage. One easy way is comparing quotes from different providers–whether online or by speaking with an agent directly.

The Zebra’s Montana Car Insurance Calculator is an easy and user-friendly tool for estimating potential car insurance rates in Montana. Simply input your driving record and vehicle information, and the calculator will generate quotes from top insurers near your area – you can then compare them and select the policy that is most suitable to your needs.

The Zebra’s Montana car insurance calculator can be an efficient tool, but to get the most accurate quote for your situation it is still vitally important to speak to an agent and review your driving record, vehicle type and any other relevant details that might impact rates in order to provide you with the most cost-effective Montana auto coverage rates possible.