Cheap Auto Insurance for Drivers with a DUI in Montana

Cheap Auto Insurance for Drivers with a DUI in Montana

After getting a DUI, one of the largest factors that is used to calculate the amount you pay for auto insurance is your address. Areas that are densely populated or have higher claim frequency like Columbia Falls, Polson, and Whitefish tend to have higher auto insurance costs, whereas areas with less crime or weather claims get the luxury of paying less.

The following table rates the more expensive cities in Montana for drivers with a DUI to buy an auto insurance policy in.

Most expensive Montana cities for auto insurance
Rank City Annual Rate
1 Columbia Falls $1,224
2 Kalispell $1,211
3 Polson $1,194
4 Evergreen $1,187
5 Whitefish $1,177
6 Livingston $1,158
7 Lewistown $1,131
8 Sidney $1,115
9 Miles City $1,114
10 Havre $1,104
11 Bozeman $1,077
12 Glendive $1,074
13 Great Falls $1,068
14 Belgrade $1,063
15 Anaconda-Deer Lodge $1,060
16 Lockwood $1,050
17 Butte-Silver Bow $1,046
18 Hamilton $1,036
19 Orchard Homes $1,022
20 Billings $1,012
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Premium costs are approximated as the garaging address in Montana can change price quotes substantially.

Trying to find cost effective auto insurance is not always easy, and deciding which insurers offer the cheapest insurance rates for drivers with a DUI involves a little more work. Insurance premiums will be quite a bit greater than the average price in Montana, with the extra cost attributed to the higher likelihood of claims associated with offering insurance after getting a DUI, but reasonably-priced insurance may be attainable with a little diligence. Each auto insurance company uses a different method to set policy rates, so let’s take a look at the insurance companies that tend to be cheaper in Montana.

We do need to point out that Montana insurance rates are based on many factors which can substantially change the cost of a policy. Simply improving your credit, buying a different vehicle, or getting a reckless driving citation may cause policy rate changes that may make certain companies more affordable than the competition.

Lowest Insurance Price Quotes after a DUI

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Rankings for the cheapest Montana auto insurance companies
Rank Company Cost Per Year
1 Safeco $837
2 Progressive $971
3 USAA $1,044
4 State Farm $1,102
5 MetLife $1,151
6 National Farmers Union $1,228
7 Allied $1,348
8 California Casualty $1,552
9 Farmers $1,573
10 GEICO $1,689
11 Allstate $2,069
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Safeco may offer some of the best car insurance rates in Montana at around $837 per year. Progressive, USAA, State Farm, and MetLife would also be considered some of the cheapest Montana insurance companies.

As shown in the rates above, if you currently have a policy with Progressive and switched to Safeco, you could see annual savings of around $134. Montana drivers with USAA may save as much as $207 a year, and State Farm customers might reduce prices by as much as $265 a year.

These prices are averaged across all types of insureds and vehicles and and are not figured with a price increase for drivers with a DUI. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Picking the right insurer can be rather challenging considering how many companies there are to choose from in Montana. The information shown next can help you select which coverage providers you want to consider shopping your coverage with.

These ratings are only comprised of companies that write coverage in many states, so companies that focus mainly on Montana business are not included in the list. To get rate quotes from these and other companies in Montana, click this link.

Montana Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Poor driving habits will raise your insurance rates

One of the best ways to obtain low insurance premiums in Montana after getting a DUI is to be a safe driver and avoid accidents and violations. The illustration below shows how violations and at-fault claims can drive up auto insurance rates for different age groups. The premiums are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 5709,7029,11957],[‘Age 30’, 3899,5223,10153],[‘Age 40’, 3625,4949,9875],[‘Age 50’, 3165,4491,9421],[‘Age 60’, 3061,4387,9315],[‘Age 70’, 3595,4919,9845]]);var options = {title: ‘Violations, Accidents, and Montana Auto Insurance Prices’,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 chart above, the average cost of a car insurance policy in Montana per year with no accidents and a clean driving record is $3,842. Get two speeding tickets and the average cost increases to $5,166, an increase of $1,324 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for drivers with a DUI goes up to an average of $10,094. That’s an increase of $6,252, or $521 per month, just for being a careless driver!

Tips for finding cheaper car insurance for drivers with a DUI

Below you’ll find some of the better penny-pinching ideas that can help you buy cheaper car insurance.

  • Buy your homeowners policy from the same company as your auto insurance
  • Avoid getting citations and tickets
  • The safer your car, the less it costs to insure
  • Do not get into accidents
  • Too many claims can make car insurance unaffordable
  • Compare rates regularly and switch companies to save money

That last tip is certainly crucial, as we emphasized in the prior article. Prices charged by car insurance companies fluctuate constantly, so don’t be unwilling to switch carriers if a lower-cost policy is available.

Staying with the same car insurance company is fine, but it’s not a good idea if it’s costing you lots of hard earned cash every month. Now is a great time to compare prices to find cheaper insurance for drivers with a DUI.