Cheap Car Insurance Quotes for Drivers Under 21 in Montana

Cheap Car Insurance Quotes for Drivers Under 21 in Montana

Life would sure be easier if we could tell you the one car insurance company that has the cheapest rate quotes in Montana. It’s just not that simple, as there are many unknown aspects such as the crash test ratings of your vehicle, the level of deductible you choose, and your marital status, that all impact the cost of your policy. In this article, we will teach you about the best ways to avoid high prices and also should give you a good start in finding the cheapest insurance.

The make and model of vehicle you are insuring is one of the primary factors that determines the availablility of the most affordable auto insurance for drivers under 21. Vehicles with reasonable performance levels, good crash test ratings, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.

The list below estimates insurance costs for a number of the most affordable vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Drivers Under 21 in Montana
Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $5,140
Honda CR-V LX 4WD $5,145
Ford Escape XLT 4WD $5,216
Toyota Prius $5,622
Chevrolet Traverse LT AWD $5,630
Subaru Forester X AWD $5,622
Hyundai Tucson GLS 2WD $5,684
Kia Forte LX 4-Dr Sedan $5,760
Volkswagen Jetta SE 2.5 Station Wagon $5,951
Ford Focus SE 4-Dr Sedan $6,014
Honda Odyssey EX $6,021
Jeep Grand Cherokee Laredo 4WD $6,090
Ford Fusion S 4-Dr Sedan $6,098
Toyota Camry LE $6,090
Chevrolet Silverado LT Extended Cab 4WD $6,100
Chevrolet Impala LT $6,090
Chevrolet Malibu LS $6,099
Toyota RAV4 2WD $6,090
Dodge Grand Caravan Crew $6,166
Ford Explorer Eddie Bauer 4WD $6,174
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Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Montana minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in your specific Montana location which can impact prices noticeably.

Based upon the table data, we can infer that makes and models like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Chevrolet Traverse will definitely be a few of the cheaper vehicles to insure for minors. The cost of a car insurance policy will tend to be higher because of the fact that there is more exposure for drivers under 21, but generally speaking those particular vehicles will have the cheapest car insurance rates possible.

Finding out which companies offer the most affordable car insurance rates for drivers under 21 calls for more work than just getting one or two price quotes.

Each auto insurance company uses their own formula to set their prices, so let’s take a look at the car insurance companies that tend to be cheaper in Montana. It’s a good idea to know that Montana car insurance rates are impacted by many factors that control the price of your policy. Improving your credit score, increasing deductibles, or getting a few speeding tickets may generate price changes that can make some companies more affordable than before.

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Cheapest Montana auto insurance companies
Rank Company Cost Per Year
1 Safeco $853
2 Progressive $951
3 USAA $1,055
4 State Farm $1,058
5 MetLife $1,186
6 National Farmers Union $1,228
7 Allied $1,309
8 Farmers $1,526
9 California Casualty $1,568
10 GEICO $1,740
11 Allstate $2,069
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Safeco generally has some of the best car insurance rates in Montana at around $853 per year. Progressive, USAA, State Farm, and MetLife also are some of the best Montana car insurance companies.

As shown in the rates above, if you are a policyholder with USAA and switched to Safeco, you could see a yearly price reduction of upwards of $202. Insureds with State Farm may save as much as $205 a year, and MetLife policyholders might cut rates by $333 a year.

To find out how your current rates compare, click here or visit any of the companies below.

Remember that these estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a rate increase for drivers under 21. So the auto insurance company that can offer you the best price may not even be in the company chart above. That points out the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.

Insurance rate increases from tickets or accidents

A great way to earn cheap car insurance for drivers under 21 in Montana is to drive attentively and have a clean driving record. The chart below shows how traffic citations and at-fault fender-benders can impact premium costs for different age groups. The rates are based on a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,774. Get one speeding ticket and the average cost hikes up to $3,242, an increase of $469 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for drivers under 21 goes up to an average of $7,454. That’s an increase of $4,681, or $390 per month, just for not driving carefully!

Geico vs State Farm vs Progressive vs Allstate

If you’re looking for the best car insurance for minors, four companies to definitely compare rates with are Geico, State Farm, Progressive, and Allstate. The data below ranks pricing and service ratings, plus some optional coverages that are available for buyers.

Ratings for Geico, State Farm, Progressive, and Allstate
Geico State Farm Progressive Allstate
Discounts Offered 2nd 3rd 4th 1st
Overall Cost 1st 2nd 3rd 4th
Client Satisfaction 1st 4th 3rd 2nd
Claims Service 3rd 2nd 4th 1st
Percent of U.S. market 11.4% 18.3% 8.8% 10%
A.M. Best rating A++ A++ A+ A+
Emergency roadside service Yes Yes Yes Yes
New car replacement coverage No No No Yes
Uber and Lyft insurance Yes Yes Yes Yes
Usage-based insurance No Yes Yes Yes
Accident forgiveness coverage Yes No Yes Yes
Mechnical breakdown Yes No Yes No
Where to buy Can buy online or use a Geico agent State Farm-only agents Indpendent agents or online Can only buy from Allstate agents
Number of agents 150+ 18,000+ 30,000+ 11,000+
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Find cheap car insurance for drivers under 21 in Montana

Below you’ll find some penny-pinching ideas that can help drivers get lower-cost coverage.

  • Safer vehicles cost less to insure
  • Raise comprehensive and collision coverage deductibles
  • Higher credit ratings may save you money
  • If your vehicles are older, consider dropping full coverage
  • Avoid speeding and other traffic citations and pay less
  • Avoid accidents and claims
  • Ensure you have the best deal by shopping around regularly

The last suggestion is remarkably valuable, as was discussed in the article above. Auto insurance rates can be modified anytime, so don’t be unwilling to buy from a new company if you can find a cheaper rate. Many consumers stick with the same company and that’s fine, but is isn’t recommended if it’s costing you hundreds every year. In just a couple of minutes you could compare prices to find cheaper insurance for drivers under 21.