Who Has the Cheapest Auto Insurance for First-time Drivers in Montana?

The cost and performance of the vehicle that needs insurance is one of the biggest factors when quoting the cheapest auto insurance for first-time drivers in Montana. Vehicles with lots of speed or power, poor passenger safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models.

The next lists ranks auto insurance costs for a number of the most affordable vehicles to buy coverage for.

Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can change rates noticeably.

Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle location which can lower or raise rates noticeably.

Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can affect rates substantially.

Deciphering which insurers offer the cheapest car insurance rates for first-time drivers may require more time in order to find the best price.

Every insurance company uses a different method for determining rates, so let’s rank the car insurance companies with the overall cheapest rates in Montana.

Best Car Insurance Prices for Inexperienced Drivers

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Safeco has some of the most affordable car insurance rates in Montana at around $853 each year. Progressive, USAA, State Farm, and MetLife would also be considered some of the best Montana car insurance companies.

In the above rates, if you have coverage with USAA and switched to Safeco, you might see annual savings of in the vicinity of $171. Montana drivers with State Farm may save as much as $238 a year, and MetLife policyholders might cut rates by $322 a year.

Bear in mind that those rates are averaged for all insureds and vehicles and and are not calculated with a price increase for first-time drivers. So the company that can offer the best rates for your situation may not even be shown in the chart above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.

One of the key components that is looked at to determine the price of your policy is your address in Montana. More densely populated places like Kalispell, Polson, and Evergreen will most likely have higher rates, whereas areas with less congestion enjoy lower car insurance rates.

The next table ranks the most costly cities in Montana for first-time drivers in which to purchase auto insurance.

Rate information is estimated as the specific area where the vehicle is garaged can alter prices significantly.

Types of discounts on Montana insurance rates

Auto insurance companies that offer the cheapest auto insurance for first-time drivers in Montana may also give you price discounts that could lower prices by 35% or more if you are eligible to receive them. A few popular companies and some of their more popular discounts are included below.

The illustration below illustrates the comparison of car insurance costs with and without some available policy discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, Montana state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with paperless filing, vehicle safety, paid-in-full, anti-theft, good student, and passive restraint discounts applied. When taking advantage of discounts, the the amount saved on car insurance for first-time drivers is % or $.

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Finding the best insurance company is difficult considering how many different insurance companies sell coverage in Montana. The information in the lists below could help you decide which auto insurance companies to look at to insure your vehicles. These ratings only include large, nationwide insurance companies, so smaller companies are not factored into the list.

Top 10 Large Auto Insurance Companies Overall in Montana

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top 10 Large Auto Insurance Companies in Montana Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. Nationwide – 90%
4. State Farm – 90%
5. GEICO – 89%
6. The Hartford – 89%
7. The General – 88%
8. Allstate – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

How to find the cheapest auto insurance for first-time drivers

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help you locate more affordable coverage.

• Buying home and auto together can help save money
• Drive safe vehicles
• Do not insure for full coverage
• Being accident-free can lower rates significantly
• Increase your credit rating
• Compare rates once a year for cheaper prices

That final tip is incredibly critical, as was discussed in the article above. Car insurance prices can change significantly in a year, so drivers shouldn’t be resistant to switch to a new company if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that devotedness results in you overpaying a considerable chunk of change every month. Take a couple minutes and compare rates and find cheaper insurance for first-time drivers.