Best Cheap Auto Insurance Quotes for Inexperienced Drivers in Montana

When shopping for the cheapest insurance for new drivers, one of the many components that is used to help calculate the policy price is where you call home. Regions with more people or even just more weather-related claims like Whitefish, Evergreen, and Polson tend to have higher rates, whereas more rural areas generally pay less for insurance.

The following table shows the most costly cities in Montana for inexperienced drivers to buy car insurance in.

Rates are comparative as specific Montana zip code can revise rates greatly.

The make and model of vehicle needing coverage is one of the main factors when comparison shopping for the best cheap auto insurance for inexperienced drivers in Montana. Vehicles with high performance, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.

The next list estimates insurance costs for the most affordable vehicles to buy coverage for.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific Montana garaging location which can revise price quotes significantly.

Based on these rates, vehicles like the Ford Escape, Honda CR-V, Chevrolet Traverse, Jeep Wrangler, and Ford Edge are most likely going to be the most affordable vehicles to insure for new drivers.

Finding reasonably-priced car insurance is challenging, and figuring out which companies quote the most affordable insurance rates for inexperienced drivers takes even more diligence.

Each insurance company has a proprietary formula to set premium rates, so we’ll go over the insurance companies with the overall best prices in Montana.

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Safeco quotes some of the lowest 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 realize yearly savings of in the neighborhood of $171. Customers with State Farm could save as much as $205 a year, and MetLife insureds might realize rate reductions of up to $322 a year.

To compare your rates to other Montana insurance companies, click here to start a quote or click several companies below for low rates.

Be aware that those prices are averaged across all ages of drivers and types of vehicles and are not factoring in a price decrease for inexperienced drivers. So the insurer that can offer the best rates for your situation may not even be included in the above rate chart. That point stresses why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

The information below shows how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for inexperienced drivers. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied.

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A 50-year-old driver could lower their policy premium by $552 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $832 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could roll back prices as much as $1,366 every year just by choosing higher deductibles. If you do raise deductibles, it is a good idea to have additional savings on hand to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.