How Much are Car Insurance Quotes for Drivers with a Bad Driving Record in Montana?

This would be a much shorter article if we could simply tell you the one car insurance company that has the best car insurance rates in Montana. That is not the case, however, as there are a whole bunch of unknown aspects such as if you rent or own your home, whether you have prior claims, and whether you just want liability only, that all have an effect on the price of a policy. The content below will cover the different scenarios that increase car insurance cost and will give you a good start in finding the cheapest insurance in Montana.

The vehicle needing coverage is one of the biggest factors when consumers are trying to find the cheapest insurance for drivers with a bad driving record. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost significantly less to insure than high performance models. The tables below shows coverage costs for the more afforable vehicles to insure.

Above prices assume married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific Montana garaging location which can decrease or increase rates significantly.

Prices based on married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can affect premium rates substantially.

Price data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific garaging location which can affect auto insurance rates noticeably.

One of the key factors that helps auto insurance companies calculate rate quotes is where you choose to live. Areas with more people or higher crime rates like Columbia Falls, Evergreen, and Polson tend to have higher auto insurance costs, whereas areas with less traffic congestion and claims have the luxury of cheap insurance for drivers with a bad driving record in Montana.

The information below shows the highest-priced areas in Montana for drivers with a bad driving record to buy an auto insurance policy in.

Annual rates are comparative as the garaging address in Montana can modify coverage prices considerably.

Figuring out which company has the cheapest insurance rates for drivers with a bad driving record calls for a bit more work in order to find a policy that fits your budget.

Each auto insurance company has a unique formula to establish rates, so let’s look at the rankings for the insurance companies that tend to have lower prices in Montana.

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

In the above example, if you are a customer of State Farm and switched to Safeco, you might achieve a yearly price reduction of in the neighborhood of $207. Insureds with MetLife might save as much as $278 a year, and National Farmers Union insureds might reduce rates by $366 a year.

It’s important to note that these premiums are averaged for all drivers and vehicles in Montana and and are not calculated with a rate surcharge for drivers with a bad driving record. So the car insurance company that has the cheapest rates for you may not even be in the chart above. That underscores the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The illustration below highlights how deductible choice can influence insurance rates when quoting cheap insurance for drivers with a bad driving record. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

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As shown above, a 40-year-old driver could lower rates by $646 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $970 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could potentially save up to $2,152 each year by using a higher deductible. When increasing deductibles, it is important to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Is Geico, Allstate, State Farm, or Progressive cheaper?

If you’re looking for the cheapest car insurance for bad drivers in Montana, the most popular companies are Geico, Allstate, State Farm, and Progressive. If you combine them together, they insure 48.5% of all policies written. All of them have a distict selection of optional coverages and features that may steer you one way or another. The next table rates ratings for price and service, as well as some optional coverages that may be available in your state.