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Cheapest Car Insurance Rates In Montana (2018)

One of the easiest ways to reduce your monthly expenses is to find cheap auto insurance in Montana. But when you shop around, you’ll notice that insurance companies use very different formulas for calculating their premiums, so you need to find a provider who caters to your specific driver type.

To speed up your search, our Geeks compared the cheapest auto insurance quotes in Montana from nine leading carriers to find the most affordable rates for the following categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$78/month estimate

$149/month estimate

Is your driving record spotted with accidents? Or are you one of the lucky drivers who have never been involved in a collision?

If your driving history is crash-free, you should be eligible for very cheap car insurance in Montana because insurance companies will see you as less of a liability. This is especially true of you get a quote from State Farm—the company that our study identified as having the most affordable car insurance rates in Montana for drivers with no accidents.

Best Rates For Teen Drivers

$209/month estimate

Some teenagers are incredibly cautious behind the wheel, but they’re still less experienced, which means insurance companies will view them as a greater liability. Our Geeks used an 18-year-old male and female driver to uncover cheap auto insurance rates for young drivers in Montana who need coverage that meets the state’s minimum requirements.

Best Rates For Drivers With A DUI

$208/month estimate

If you’ve been charged with DWI or DUI, you’ve probably paid a small fortune in attorney fees and court fines. As if those weren’t enough, you’re probably also paying more for car insurance. One way to cut this cost and save a veritable fortune in the long run is to switch to a provider who offers competitive rates for motorists with a DUI conviction. Our hypothetical driver had a conviction for one DUI with a 0.08% BAC. Otherwise, the driver had a clear driving record.

Best Rates For Senior Drivers

$128/month estimate

These premiums are based on averages from male and female drivers age 65 who drove one-third the yearly mileage as our 29-year-old motorist. Seniors tend to pay lower car insurance rates since they’re on the road less often and are very experienced behind the wheel.

STUDY METHODOLOGY

A 29-year-old driver was used in the “DUI Conviction” and “No Accident History” parts of our analysis. Our researchers calculated the average rates of males and females from five zip codes in MT to find the cheapest carriers. The vehicle we used was a 2014 Toyota Corolla with an annual mileage of 12,000. Besides the teen driver category, all other driver types were looking for 50/100/25 liability coverage and the equal limits for uninsured motorist coverage.

Minimum Auto Insurance Coverage Required By Law In Montana

All motorists in Montana are required to buy car insurance that covers $25,000 for bodily injury to one individual, $50,000 for bodily injuries in one collision, and $10,000 for damage to property.

Montana Car Insurance FAQs

What Are the Penalties for Driving Without Car Insurance in Montana?

Technology is changing everything, from how we order our groceries to how we interact with each other. And now, keeping your electronic footprint up to date in Montana will help you stay out of trouble.

Montana’s Insurance Verification System database is one of the most advanced in the country. Authorities use the trove of information to keep tabs on the state’s drivers and are quick to detect anyone who is uninsured.

While our Geeks advise you always to have your insurance card at hand when you’re on the road, traffic officers place a much larger emphasis on electronic data.

First Offense

Whether you’re caught driving without proof of mandatory coverage by an officer or by the Insurance Verification System, you will face hefty fines and possible prison time. Typically, you will be forced to fork over $250 to $500 in fines to the courts and may have to serve a 10-day prison sentence. Fortunately, in Montana, authorities will not suspend your registration for a first offense.

Second Offense

Montana is a forgiving state for first-time offenders, but serial lawbreakers will face far harsher penalties. If you are caught driving without insurance or turn up as uninsured during routine checks by the Insurance Verification System for a second time within five years after your first offense, you will be fined $350 and may have to serve up to 10 days behind bars.

Authorities may also choose to suspend your registration. However, the Department of Justice will reinstate your registration after three months once you have paid your fines and presented the courts with verified proof of insurance.

Third Offense And Beyond

This is all risk and no reward. Your third and subsequent transgression will result in $500 in fines, up to 180 days behind bars and a 90-day suspension of your vehicle’s registration.

If you have violated the state’s insurance laws four or more times within a five-year period, your driver’s license and registration will be suspended. The Department of Justice will require you to hand over your license, plates and registration receipt.

Your registration and license will only be reinstated once you have paid your fines and presented the Department with verified proof of coverage.

Drunk Driving Laws In Montana

If you thought Montana’s insurance laws were severe, take a peek at their drinking and driving laws. Montana considers a driver over 21 to be impaired with a blood alcohol concentration (BAC) of .08 percent and a driver under 21 to be impaired with a BAC of .02 percent.

The state takes the issue extremely seriously; eliminating DUI/DWI offenses is one of their top priorities. Drunk driving led to 932 deaths in the state between 2003 and 2012, according to a CDC study, and 3.4 percent of people reported driving after drinking too much—much higher than the national average of 1.9 percent.

As a result, there has been a big crackdown in recent years. Below is a breakdown of DUI/DWI penalties in Montana:

First Offense

There is no leniency for drivers caught driving under the influence in Montana. A first DUI or excessive BAC or marijuana reading will lead to between 24 hours and 6 months in jail, fines of between $600 and $1,000, and a six-month suspension. If you are convicted with minors in the car, the penalties are upped to a jail sentence of between 48 hours and one year and fines of between $600 and $2,000.

All new offenders must also complete the A – C – T Phases Program. The letters stand for assessment, course, and treatment. To successfully pass, you must receive a chemical dependency assessment from a licensed counselor, take a chemical dependency education course, and undergo whatever treatment is found to suit your situation.

Additionally, the judge may require you to participate in the Ignition Interlock Program. This entails an ignition interlock device (IID) being placed in your vehicles, which test your BAC every time you get behind the wheel. If you test too high, the vehicle will not start. As part of the program, you will be required to pay all costs related to the installation and maintenance of the device.

Second Offense

By this stage, Montana officials expect you to know better. Imprisonment for a second conviction will last between five days and a year, and the license suspension will last for a year. Fines, which don’t include court costs, range from $1,200 and $2,000. The jail minimum and fines are doubled if minors are present at the time of the violation.

Participation in both the Ignition Interlock Program and the A – C – T Program is mandatory, as is participation in the 24-7 Sobriety Program. The latter requires you to abstain from alcohol and drugs from the time you’re released from jail to the time you stand trial. A variety of tests ensure your compliance with the program.

Third Offense

You will spend between 30 days and a year in a cell if you are caught drinking and driving a third time. You will also be fined between $2,500 and $5,000, be forced to complete the Ignition Interlock Program, the A – C – T Phases Program, and the 24-7 Sobriety Program, and have your license suspended for a year. As before, the penalties will be doubled if you were transporting passengers under 16.

For all convictions, 10 points are added to your driving record. If you reach 30 points, you will be labeled a Habitual Traffic Offender and your license will be revoked. Note that a DUI/BAC conviction will be on your record for life. A fourth conviction is a felony.

How To File A Car Insurance Claim In Montana

Step 1: Call the Police

Your insurance claim isn’t worth much without the backing of a detailed police report. After a crash, your first step, after ensuring you, your passengers and the other drivers are safe, should be to call the police. Officers will take down statements not only from you but also from the other driver and any witnesses and will also secure the scene of the crash to collect evidence.

In Montana, you are required – by law – to report an accident in a municipality to the local police if anyone is injured, killed or if damage to property may exceed $500. If the crash takes place outside of a municipality, you will be required to contact the Montana Highway Patrol if anyone has been hurt, killed or if property damage totals $1,000 or more.

Step 2: Exchange Information With Other Drivers

Swap information – license plate numbers, insurance information, addresses, phone numbers, and names – with all drivers involved in the crash. Our Geeks advise taking down the phone numbers and names of anyone else who may have witnessed the crash, as well.

Step 3: Take Photos Of The Scene

Using your phone, take pictures of the crash scene, making sure to document damage to all vehicles involved and potential road markings that may help bolster your case.

Step 4: Contact The Insurance Company

Touch base with your insurer to find out which documentation they will require to start processing your claim. Include any evidence you collected from the scene such as the names and numbers of witnesses to aid the company’s investigators in assessing the accident.

Step 5: Follow Up

Once your claim has been filed, don’t forget to follow up with your insurance company to track the progress of your claim.

Car Accident Safety 101: Pack A Collision Survival Kit

The more you drive, the greater your risk of being involved in a crash. Make sure you are prepared and pack the following:

  • A first aid kit with several extra-strength bandages;
  • A folder containing your insurance information, medical information and vehicle registration; and
  • A fully charged cell phone to make emergency calls.

 

cheapest car insurance in montana

You can learn more about auto insurance by visiting the PennyGeeks blog.

 

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