How Much are Car Insurance Quotes for Drivers with a Bad Driving Record in Montana?

How Much are Car Insurance Quotes for Drivers with a Bad Driving Record in Montana?

This would be a much shorter article if we could simply tell you the one car insurance company that has the best car insurance rates in Montana. That is not the case, however, as there are a whole bunch of unknown aspects such as if you rent or own your home, whether you have prior claims, and whether you just want liability only, that all have an effect on the price of a policy. The content below will cover the different scenarios that increase car insurance cost and will give you a good start in finding the cheapest insurance in Montana.

The vehicle needing coverage is one of the biggest factors when consumers are trying to find the cheapest insurance for drivers with a bad driving record. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost significantly less to insure than high performance models. The tables below shows coverage costs for the more afforable vehicles to insure.

Car Insurance Rates for Popular Cars in Montana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $6,378 $3,189 $532
Ford Focus SE 4-Dr Sedan $5,928 $2,964 $494
Ford Fusion Hybrid 4-Dr Sedan $7,620 $3,810 $635
Honda Accord LX 4-Dr Sedan $5,060 $2,530 $422
Hyundai Elantra GLS Touring Station Wagon $5,060 $2,530 $422
Hyundai Sonata Limited 4-Dr Sedan $6,862 $3,431 $572
Kia Optima LX $6,480 $3,240 $540
Toyota Camry Hybrid $6,862 $3,431 $572
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Above prices assume married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific Montana garaging location which can decrease or increase rates significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Montana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 3.0I AWD $6,446 $3,223 $537
Buick Enclave CX AWD $6,378 $3,189 $532
Chevrolet Traverse LT AWD $5,512 $2,756 $459
Ford Escape XLT 4WD $5,128 $2,564 $427
Ford Expedition Limited 4WD $5,894 $2,947 $491
Ford Explorer XLT 4WD $5,680 $2,840 $473
GMC Acadia SL 2WD $5,612 $2,806 $468
GMC Terrain SLT AWD $5,826 $2,913 $486
Honda CR-V EX 4WD $5,128 $2,564 $427
Honda Pilot EX-L 2WD $6,064 $3,032 $505
Jeep Grand Cherokee Limited 4WD $6,378 $3,189 $532
Subaru Forester X Limited Edition AWD $5,580 $2,790 $465
Toyota Highlander SE 4WD $6,446 $3,223 $537
Toyota RAV4 Limited 4WD $5,996 $2,998 $500
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Prices based on married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can affect premium rates substantially.

Insurance Rates for Popular Pickup Trucks in Montana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $5,444 $2,722 $454
Chevrolet Silverado LS Regular Cab 4WD $5,612 $2,806 $468
Dodge Ram Crew Cab Sport 2WD $6,930 $3,465 $578
Ford F-150 XLT Regular Cab 2WD $5,612 $2,806 $468
Ford F-250 XLT Super Cab 4WD $7,374 $3,687 $615
Ford F-350 XL Super Cab 4WD $8,230 $4,115 $686
GMC Canyon SLE Regular Cab 2WD $5,612 $2,806 $468
GMC Sierra 3500HD SLE Extended Cab 2WD $6,446 $3,223 $537
GMC Sierra SLT Crew Cab 2WD $6,378 $3,189 $532
Toyota Tundra Double Cab 4WD $6,548 $3,274 $546
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Price data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific garaging location which can affect auto insurance rates noticeably.

One of the key factors that helps auto insurance companies calculate rate quotes is where you choose to live. Areas with more people or higher crime rates like Columbia Falls, Evergreen, and Polson tend to have higher auto insurance costs, whereas areas with less traffic congestion and claims have the luxury of cheap insurance for drivers with a bad driving record in Montana.

The information below shows the highest-priced areas in Montana for drivers with a bad driving record to buy an auto insurance policy in.

How much does auto insurance cost in Montana?
Rank City Average Per Year
1 Columbia Falls $1,224
2 Whitefish $1,213
3 Evergreen $1,211
4 Kalispell $1,211
5 Polson $1,194
6 Lewistown $1,131
7 Livingston $1,124
8 Havre $1,104
9 Glendive $1,096
10 Sidney $1,093
11 Miles City $1,092
12 Butte-Silver Bow $1,088
13 Belgrade $1,085
14 Lockwood $1,072
15 Great Falls $1,057
16 Bozeman $1,055
17 Anaconda-Deer Lodge $1,050
18 Missoula $1,041
19 Hamilton $1,036
20 Helena $1,034
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Annual rates are comparative as the garaging address in Montana can modify coverage prices considerably.

Figuring out which company has the cheapest insurance rates for drivers with a bad driving record calls for a bit more work in order to find a policy that fits your budget.

Each auto insurance company has a unique formula to establish rates, so let’s look at the rankings for the insurance companies that tend to have lower prices in Montana.

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Cheapest insurance companies in Montana
Rank Company Cost Per Year
1 Safeco $862
2 Progressive $971
3 USAA $1,044
4 State Farm $1,069
5 MetLife $1,140
6 National Farmers Union $1,228
7 Allied $1,296
8 Farmers $1,541
9 California Casualty $1,616
10 GEICO $1,689
11 Allstate $2,090
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Safeco quotes some of the most affordable car insurance rates in Montana at around $862 a year. Progressive, USAA, State Farm, and MetLife also qualify as some of the best Montana auto insurance companies.

In the above example, if you are a customer of State Farm and switched to Safeco, you might achieve a yearly price reduction of in the neighborhood of $207. Insureds with MetLife might save as much as $278 a year, and National Farmers Union insureds might reduce rates by $366 a year.

It’s important to note that these premiums are averaged for all drivers and vehicles in Montana and and are not calculated with a rate surcharge for drivers with a bad driving record. So the car insurance company that has the cheapest rates for you may not even be in the chart above. That underscores the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The illustration below highlights how deductible choice can influence insurance rates when quoting cheap insurance for drivers with a bad driving record. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

As shown above, a 40-year-old driver could lower rates by $646 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $970 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could potentially save up to $2,152 each year by using a higher deductible. When increasing deductibles, it is important to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Is Geico, Allstate, State Farm, or Progressive cheaper?

If you’re looking for the cheapest car insurance for bad drivers in Montana, the most popular companies are Geico, Allstate, State Farm, and Progressive. If you combine them together, they insure 48.5% of all policies written. All of them have a distict selection of optional coverages and features that may steer you one way or another. The next table rates ratings for price and service, as well as some optional coverages that may be available in your state.

Ratings for Geico, Allstate, State Farm, and Progressive
Geico Allstate State Farm Progressive
Discounts Offered 2nd 1st 3rd 4th
Price Ranking 1st 4th 2nd 3rd
Claims Service 3rd 1st 2nd 4th
Customer Satisfaction 1st 2nd 4th 3rd
Percent of customers who recommend 87% 86% 88% 88%
Accident forgiveness coverage Yes Yes No Yes
Usage-based rating No Yes Yes Yes
Rideshare coverage Yes Yes Yes Yes
New car replacement coverage No Yes No No
Breakdown insurance Yes No No Yes
Roadside service Yes Yes Yes Yes
Where you can buy Online or through a Geico agent Only buy from Allstate agents State Farm-only agents Online or from independent agents
Number of agents 150+ 11,000+ 18,000+ 30,000+
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