How Much are Auto Insurance Quotes for Uninsured Drivers in Montana?

In a perfect world, we could just give you the name of the one company that has the best car insurance rates in Montana. It’s not quite that easy, unfortunately, as there are a whole slew of unknown elements such as whether you are married, what level of deductibles you wish to have, if you have maintained coverage continuously, and citations or tickets. The information below will cover some of these criteria and educate you enough to have a jump start in finding the best auto insurance in Montana.

Finding reliable, low-cost auto insurance is not the easiest thing to accomplish, and finding out which companies have the lowest-priced auto insurance rates for uninsured drivers requires even more rate comparisons. Each company has their own process for setting rates, so let’s begin by examining the most budget-friendly auto insurance companies in Montana.

Best Auto Insurance Prices in Montana

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Safeco has some of the best car insurance rates in Montana at around $837 annually. Progressive, USAA, State Farm, and MetLife also rank well as some of the best Montana car insurance companies.

As the rates illustrate above, if you are a customer of Progressive and switched to Safeco, you might see a yearly price reduction of in the vicinity of $134. Customers with USAA could save as much as $207 a year, and State Farm policyholders might cut rates by $232 a year.

These policy rates are averages for all insureds and vehicles and and are not figured with a rate discount for uninsured drivers. So the car insurance company that fits your age and vehicle best may not even be shown in the list above. That is why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The type of vehicle that needs insurance is one of the primary factors when quoting cheap auto insurance for uninsured drivers in Montana. Vehicles with high performance engines, poor crash test ratings, or a track record of large liability claims will cost much more to insure than safer, lower-performance models. The data below ranks insurance costs for a selection of the more afforable vehicles to buy coverage for.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can alter price quotes greatly.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in zip code location which can raise or lower prices substantially.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific location which can modify coverage prices greatly.

Liability rates compared to full coverage

Finding cheap auto insurance for uninsured drivers in Montana is the goal of most vehicle owners, and a great way to buy cheap insurance is to buy liability only. The diagram below illustrates the difference between car insurance costs with full coverage compared to only the Montana minimum liability coverage. The information is based on no violations or accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $3,628 per year more than just buying liability insurance. That may make you wonder if buying full coverage is worth the expense. There is no definitive formula that works best for making the decision to drop physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

There are some conditions where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.

The example below highlights how deductible choice can influence premium costs when quoting cheap insurance for uninsured drivers. The costs are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could cut expenses by $544 a year by increasing from a $100 deductible up to a $500 deductible, or save $820 by using a $1,000 deductible. Younger drivers, such as the Age 20 example, could possibly save up to $1,836 every year just by choosing larger deductibles.

When using a larger deductible, it is essential to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.