Non-Owner Car Insurance in Montana: The Cheapest Options and What You Need to Know

Non-owner car insurance in Montana is $483 per year on average. State Farm is the cheapest insurer in the state and costs an average of $300 per year. MoneyGeek’s guide shares how non-owner car insurance works in Montana to help you learn more about these policies.

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Last Updated: 3/5/2022
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Non-owner car insurance is ideal for people who don’t own a car but rent cars or use car-sharing services frequently. It’s also useful if you need proof of insurance to get your license reinstated.

If you have a clean driving record, you will pay an average of $483 per year. However, if you have a serious violation like a DUI, you will pay $888 yearly. MoneyGeek determined average rates by comparing quotes across multiple insurance providers to help you secure cheap non-owners car insurance in Montana. We also explain when to get and not to get this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Montana

If you purchase non-owner car insurance in Montana, you will pay less than you would for a standard car insurance policy. You can save more on your premiums if you compare rates between insurers.

On average, MoneyGeek found that the two companies that provide the cheapest non-owner car insurance in the state are:

  • State Farm: $300 per year
  • GEICO: $461 per year

While USAA is the cheapest provider of non-owner car insurance in Montana, costing an average of $116 per year, it is only available to current and former military members.

Metlife has the highest rate in the state, costing an average of $975 per year.

MoneyGeek researched the costs of non-owner car insurance for a 40-year-old driver in Montana with limits described in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Montana

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $116
    $10
  • State Farm
    $300
    $25
  • GEICO
    $461
    $38
  • Progressive
    $466
    $39
  • Farmers
    $581
    $48
  • MetLife
    $975
    $81
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How Much Is Non-Owner Car Insurance in Montana?

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The average annual non-owner car insurance cost in Montana is around $483, whereas a standard car insurance policy in the state costs an average of $595 annually.

However, these rates increase significantly in the event of a major traffic violation like a DUI.

With a DUI, you could pay an average of $888 per year for non-owner car insurance. Meanwhile, regular car insurance with a DUI could cost you roughly $1,031 yearly.

Cheapest SR-22 Non-Owner Car Insurance Companies in Montana

Montana drivers with a serious traffic violation like a DUI may need to file an SR-22 to prove that their insurance meets the state’s minimum requirements.

If you want to reinstate your license but don’t own a car, non-owner SR-22 insurance can be used as your proof of insurance. It may be your most affordable option to get your license reinstated.

MoneyGeek found that on average, the two cheapest non-owner car insurance companies in Montana for drivers with a DUI are:

  • State Farm: $300 per year
  • Progressive: $692 per year

If you are a current or former military member, your cheapest option is from USAA. This policy costs an average of $253 per year.

The most expensive non-owner SR-22 car insurance in Montana for drivers with a DUI is from Metlife and costs roughly $1,952 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Montana

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $253
    $21
  • State Farm
    $300
    $25
  • Progressive
    $692
    $58
  • Farmers
    $826
    $69
  • GEICO
    $1,307
    $109
  • MetLife
    $1,952
    $163
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What Is Non-Owner Car Insurance in Montana?

Non-owner liability insurance, also known as non-owner car insurance, is the most affordable option for Montana drivers who do not own a car but need insurance. It includes liability coverage plus other coverages required by the state.

People who buy non-owner car insurance may also purchase additional coverage like uninsured or underinsured motorist coverage if they want extra protection. However, these policies usually exclude comprehensive and collision coverage, also known as full coverage.

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Non-owner car insurance policies in Montana must meet the state’s minimum car insurance requirements, including:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Montana?

There are certain situations when a non-owner car insurance policy can benefit drivers who don’t own a vehicle. Here are a few examples.:

  • You need proof of insurance for your license to get reinstated: If you receive a major traffic violation such as a DUI, your license might get suspended. The court will need you to prove that you have a valid car insurance policy before reinstating your license. Purchasing a non-owner car insurance policy can be more affordable than buying traditional car insurance.
  • You regularly use rented cars or car-sharing services: If you frequently rent cars, you may decide to purchase rental car insurance. Unfortunately, this can be expensive. Non-owner car insurance is a cheaper alternative to rental car insurance and will provide adequate coverage.
  • You temporarily don’t have your car but want to avoid an insurance lapse: If you don’t currently own a vehicle, you may think you don’t need insurance. However, you may want to purchase non-owner car insurance since an insurance lapse can lead to increased premiums in the future.

Who Shouldn’t Get Non-Owner Car Insurance in Montana?

Not all drivers who don’t own a car need non-owner car insurance in Montana. For example, if you are in Billings and you borrow your friend’s car with their permission, you’ll automatically be covered under your friend’s insurance policy.

Additionally, if you only use rental cars once or twice a year, a non-owner car insurance policy isn’t necessary. Purchasing coverage from the rental car company is cheaper and will provide you with sufficient coverage.

How to Get Non-Owner Car Insurance in Montana

All the insurers mentioned in this guide offer non-owner liability car insurance in Montana. However, it is important to note that most companies do not provide non-owner car insurance quotes online. You will need to contact insurers directly to receive a quote for non-owner car insurance in Montana, and you can use the contact information below to do so.

Contact Non-Owner Car Insurance Companies in Montana
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • MetLife
    800-422-4272

Frequently Asked Questions About Montana Non-Owner Car Insurance

There are significant differences between non-owner car insurance and traditional car insurance. Non-owner car insurance is primarily for drivers who do not own cars. MoneyGeek answered some of the most commonly asked questions about non-owner car insurance in Montana:

Methodology

MoneyGeek rated non-owner car insurance costs across several companies in Montana based on information collected in partnership with Quadrant Information Services. The rates are for a 40-year-old driver with both a clean driving record and with a DUI.

The non-owner car insurance policies gathered meet Montana’s minimum car insurance requirements with the exception of liability insurance which had the limits below:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The traditional car insurance policies gathered also had the same limits.