Car Insurance in Montana: How to Find the Policy That Fits You
MoneyGeek analyzed multiple situations and came up with solutions for all your car insurance needs in Montana.
Find the Best or Cheapest Car Insurance in Montana
MoneyGeek gathered and analyzed quotes to find the cheapest companies in Montana. We use our own unique scoring system to find the best auto insurers who provide quality services at affordable prices. For those looking to compare the overall expenses, we broke down the insurance costs depending on a variety of factors, such as age, driving record and more.
Our resources above examine the best and cheapest car insurance companies in Montana. The summary of the analysis according to different driver profiles is given in the table below. Unless otherwise stated, all recommendations are for full coverage policies.
- Minimum liability: State Farm
- Full coverage: State Farm
- Drivers with a DUI: State Farm
- After an accident: USAA
- Drivers with a ticket: State Farm
- Drivers with bad credit: State Farm
- Senior drivers: State Farm
- Student drivers: State Farm
- Overall: State Farm
- Customer Service: The Hartford
- On a Budget: State Farm
- Poor Driving Record: State Farm
- Military: USAA
- Young Drivers: State Farm
- New Cars: Allstate
- Low-Mileage Drivers: Nationwide
Get a Montana Car Insurance Quote
In Montana, we found that car insurance quotes can differ by as much as $1,545 per year for the same driver across different auto insurance companies. If you want to find the most suitable and reasonable policy, then you need to shop around and compare quotes across insurers. It is not a very time-consuming process to get an online estimate from insurers.
Car Insurance Laws in Montana
MoneyGeek has all of the information you need about Montana car insurance requirements. In Montana, the following are the minimum coverage requirements:
- $25,000 bodily injury liability insurance per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
In Montana, comprehensive and collision insurance isn’t required by law, and the state only mandates low liability limits. You must assess your driving situation in order to determine how much coverage you need because it could differ from the legal requirements.
An SR-22 insurance form needs to be filed by high-risk drivers, such as drivers with DUI on their driving records in Montana. SR-22 in Montana is proof of insurance, which is mandatory in the state. MoneyGeek also made a guide to help you understand how to file an SR-22 with the insurer and also how much you need to pay.
Specialty Car Insurance in Montana
Traditional car insurance may not be a good fit for all drivers in every situation. We explored the alternative forms of car insurance in Montana to help you make the right decision. These include non-owner car insurance, temporary car insurance and low-income car insurance. Read and learn more about these unique car insurance types in Montana below.
MoneyGeek Specialty Car Insurance Resources
Non-owner car insurance
If you do not have a car of your own but need car insurance as proof of insurance, then non-owner car insurance in Montana may be the best option.
Temporary car insurance
If you frequently rent cars or you are only going to have a car for a month, you can get temporary car insurance in Montana by buying and canceling your policy early or getting rental car insurance.
Car insurance for low-income drivers
Montana, like most of the states, doesn’t have programs to support low-income drivers. Instead, MoneyGeek found ways that low-income drivers in Montana can save money.
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