How Much are Auto Insurance Quotes for High Risk Drivers in Montana?

The words “low-priced” and “insurance” really should not be used together, especially when trying to find the lowest insurance rates for high risk drivers. In an attempt to save some money, let’s get started by showing you a few of the things the can have a considerable influence on insurance premiums, and see if we can help you reduce the cost of the next policy you buy.

Finding reliable, cheap auto insurance is challenging, and determining which companies quote the lowest-priced auto insurance rates for high risk drivers takes a little more work. Prices will most likely be significantly higher than the average rate in Montana, with the increase attributed to the higher likelihood of claims associated with offering coverage for high risk drivers, but reasonable coverage should be achievable if you compare enough rates.

Each company has their own unique process for determining prices, so first let’s look at the rankings for the overall cheapest auto insurance companies in Montana. It’s important to understand that Montana auto insurance rates are impacted by many factors which can substantially change the price you pay for coverage. Turning one year older, buying a higher-value vehicle, or getting a driving violation can trigger price changes that may make certain companies higher when they were quite affordable.

Best Car Insurance Prices for Risky Drivers

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google.charts.setOnLoadCallback(drawMTT5qcibChart);function drawMTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Safeco’, 862, ‘#F08550’], [‘Progressive’, 951, ‘#C86E42’], [‘USAA’, 1013, ‘#A65B37’], [‘State Farm’, 1091, ‘#8A4B2D’], [‘MetLife’, 1140, ‘#733E25’]]);var options = {title: ‘Top Five Cheapest Car Insurance Companies in Montana’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1240,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Safeco may offer some of the lowest car insurance rates in Montana at around $862 a year. Progressive, USAA, State Farm, and MetLife also qualify as some of the best Montana insurance companies.

In the above rates, if you buy coverage from State Farm and switched to Safeco, you might achieve an annual premium reduction of in the vicinity of $229. Montana drivers with MetLife could save as much as $278 a year, and National Farmers Union insureds might lower prices by $342 a year.

Be aware that those policy rates are averages for all types of drivers and the different vehicles they drive and are not factoring in a price surcharge for high risk drivers. So the auto insurance company that is most affordable for your situation may not even be in the rate chart shown above. That points out the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.

The car, truck, or SUV to be insured is one of the main factors in finding affordable insurance for high risk drivers. Vehicles with economical engines, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than high performance models. The data below shows insurance prices for a selection of the cheapest vehicles to insure in Montana.

Price data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Table data does not factor in garaging location in Montana which can revise premiums considerably.

Based upon these rates, makes and models like the Hyundai Elantra, Honda CR-V, and Ford Escape are most likely to be the more affordable vehicles to insure for high risk drivers. Prices will tend to be higher because there is more inherent risk for high risk drivers, but in general those makes and models will tend to have the best insurance prices compared to other vehicles.

Impact of careless driving on auto insurance rates

In a perfect world, the best way to earn cheap car insurance for high risk drivers in Montana is to be a safe driver and avoid getting tickets or having accidents. The illustration below shows how violations and at-fault collisions can influence car insurance rates for different categories of driver ages. The data assumes a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4473,4861,5933],[‘Age 30’, 2345,2731,3805],[‘Age 40’, 2259,2643,3717],[‘Age 50’, 2065,2449,3525],[‘Age 60’, 2027,2411,3487],[‘Age 70’, 2341,2723,3797]]);var options = {title: ‘Effect of Violations and Accidents on Montana Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Montana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of a car insurance policy in Montana per year with no violations or accidents is $2,585. Receive one speeding ticket and the average cost increases to $2,970, an increase of $385 each year. Now add one accident along with the one speeding ticket and the annual cost of auto insurance for high risk drivers jumps again to an average of $4,044. That’s an increase of $1,459, or $122 per month, just for not driving safely!