In the state of Montana, insurance requirements are mandated by law. This means that all drivers must have a minimum amount of liability coverage as well as PIP and UM/UIM coverage. In addition to those three types, seven other coverages can be added for either protection or further savings. Should you need car insurance in Montana, there are a few ways to save money.
Minimum Coverage Requirements
Driving without insurance is illegal, and your vehicle can be impounded if you’re caught driving uninsured. Note that this applies even if your vehicle was reported stolen at the time of the offence. Your vehicle would still be impounded by law enforcement officials, and you would be responsible for the towing and impoundment fees.
Cheapest Auto Insurance in Montana
The cheapest car insurance in the state of Montana is $855.36 per year for a 1997 Mazda 626.
Best Auto Insurance Companies in Montana
The top three car insurance companies in the state of Montana are Northwestern Mutual, Encompass Insurance, and State Farm.
Compare Montana Quotes Online
When you’re comparing car insurance quotes online in the state of Montana, choose a website that allows you to input your vehicle information in order to get a more accurate quote. Sites like Carinsurance.com will compare rates of multiple companies in order to help you get the best possible deal for your situation.
Average Cost of Auto Insurance in Montana
The average car insurance cost in Montana is $1,054 per year for a basic liability-only policy with minimal coverage.
Drivers With a DUI in Montana
Drivers with a DUI in the state of Montana face hefty fines. An alcohol-related offence can cost up to $10,000 depending on whether or not property damage or bodily harm has occurred (in addition to the requisite fees). If you are caught driving under the influence while transporting children, your charge can be considered a felony.
Drivers With Tickets in Montana
If you have received traffic violations within the last three years, expect your car insurance premiums to increase substantially. If you were caught driving recklessly, your car insurance premiums may be higher than usual. To avoid having to pay an increased premium for this type of offence, take note of the types of violations that are taken into account when determining your car insurance rates.
Drivers With Bad Credit in Montana
If you have poor credit, look for a company that offers discounts to drivers with good driving records. The largest auto insurers in the United States provide bad-driver discounts as alternatives to raising premiums on customers with bad credit.
Military Drivers in Montana
If you are active-duty military personnel, your car insurance rates will be similar to what they were before you entered the service. Your insurer will consider what type of vehicle(s) you would like insured, and the type of coverage you need (liability only, comprehensive/collision, or a combination of both).
Auto Insurance in Montana
Finally, you should remember that car insurance in the state of Montana is mandatory. Not only will you receive a hefty fine ($400+) if caught driving uninsured, but your vehicle can be impoundment and impoundment fees charged to you.
Montana Minimum Auto Insurance Requirements
The state of Montana requires the following minimum car insurance coverage limits: a bodily injury liability limit of $25,000 per person and a total limit of $50,000 per accident. In addition to those two types of coverage, an uninsured motorist bodily injury policy should be purchased with limits up to $25,000 per person and $50,000 per accident.
How much does Auto insurance cost in Montana?
The average car insurance cost in Montana is 054 per year for a basic liability-only policy with minimal coverage.
How can I lower my auto insurance rates?
If you have received traffic violations within the last three years, expect your car insurance premiums to increase substantially. If you were caught driving recklessly, your car insurance premiums may be higher than usual. To avoid having to pay an increased premium for this type of offence, take note of the types of violations that are taken into account when determining your car insurance rates.
What should I bring to the car insurance agent?
You should bring your vehicle’s identification number (Vin), make and model, and claim history. If you do not know your Vin, you can input this information on certain websites like Carinsurance.com in order to get a more accurate quote. Sites like Carinsurance.com will compare quotes from multiple insurance providers in order to get you the cheapest rate possible.
How can I find cheap, full-coverage car insurance?
Cheapest full coverage is not always the best option for everyone – some people opt for liability-only policies or even liability plus comprehensive/collision, based on their individual needs and preferences. For cheap full coverage, look for an insurance company that offers discounts to drivers with good driving records. The largest auto insurers in the United States provide bad-driver discounts as alternatives to raising premiums on customers with bad credit.
What types of car insurance are offered by auto insurance companies?
Three basic kinds of car insurance policies are available on the market today: liability-only policies, comprehensive/collision coverage, which covers damage to your own car; and a combination of both. If you do not want to purchase either of the first two types of insurance, select an auto insurer that offers uninsured motorist protection (UM).
How do I find cheap car insurance?
The cheapest car insurance in the market is comprehensive/collision coverage with a deductible. However, if you are willing to have higher premiums but still save money, consider opting for liability-only coverage. Another way to reduce your auto insurance rates is by seeking an insurer that offers good driving discounts based on your driving record.
Conclusion
We hope this guide has helped you! Good luck in finding the cheapest car insurance in Montana. If you have any questions, please don’t hesitate to ask us below or live chat with one of our agents who are happy to help. Remember that if your driving history changes, it is important to update your policy accordingly.
