How Much Does Auto Insurance Cost for Drivers with Accidents in Montana?

When buying car insurance for drivers with at-fault accidents, one of the key things that control car insurance rates is where you normally keep your vehicle in Montana. Areas with more people or higher crime rates like Whitefish, Evergreen, and Polson tend to pay higher rates, whereas areas with less congestion profit from lower rates.

The information below rates the more expensive cities in Montana for drivers with accidents in which to buy car insurance.

Rate quotes are approximated as the specific Montana residence address can modify coverage prices substantially.

Deciding which company has the lowest-priced insurance rates for drivers with accidents requires more work in order to find the lowest price. Each insurance company uses their own method to establish rates, so let’s examine the insurance companies with the overall cheapest rates in Montana.

We do need to point out that Montana insurance rates are determined by lots of factors which can substantially decrease or increase the cost of having a policy. Improving your credit rating, buying a new vehicle, or having an at-fault accident can trigger rate changes resulting in some companies being cheaper in comparison to the competition.

Cheapest Insurance Rates for Accident Prone Drivers

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Safeco normally has some of the lowest car insurance rates in Montana at around $862 per year. Progressive, USAA, State Farm, and MetLife also are some of the best Montana car insurance companies.

In the above example, if you are insured with State Farm and switched to Progressive, you could earn savings of in the vicinity of $131. Policyholders with MetLife might save as much as $204 a year, and National Farmers Union insureds might cut rates by $233 a year.

To compare your rates to other Montana insurance companies, click here to start your free quote or feel free to get quotes from the companies below.

Be aware that those policy prices are averaged for all drivers and vehicles in Montana and do not take into consideration a price surcharge for drivers with accidents. So the auto insurance company that has the cheapest rates for you may not even be included in the chart above. That point stresses why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The type of vehicle requiring insurance is one of the largest factors that determines whether or not you can buy cheap insurance for drivers with accidents in Montana. Vehicles with limited speed and performance, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.

The information below showcases car insurance prices for a number of the more afforable vehicles to buy insurance for.

Table data represents single male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Information does not factor in specific garaging location which can revise coverage rates greatly.

Looking at the numbers, you can conclude that models like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be the most affordable vehicles to insure for drivers with at-fault accidents. The price for car insurance will tend to be higher just due to the fact that there is more inherent risk for drivers with accidents, but in general those specific models will have the cheapest car insurance rates compared to other types of vehicles.

The diagram below shows how choosing a deductible can increase or decrease insurance rates when getting quotes for cheap insurance for drivers with accidents. The premium estimates are based on a single male driver, full coverage, and no other discounts are factored in.

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In the chart above, a 50-year-old driver could reduce rates by $572 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $860 by changing to a $1,000 deductible. Young drivers, like the 20-year-old example, could shave as much as $1,880 or more just by choosing higher deductibles.

If you make the decision to raise deductibles, it will now be necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

Impact of careless driving on insurance rates

One of the best ways to find cheap insurance for drivers with accidents in Montana is to drive cautiously and not get tickets or have accidents. The illustration below illustrates how traffic citations and at-fault claims influence yearly insurance costs for different ages of insureds. The premiums are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

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’, 4397,5365,8977],[‘Age 30’, 2295,3263,6877],[‘Age 40’, 2213,3179,6795],[‘Age 50’, 2027,2993,6609],[‘Age 60’, 1989,2955,6569],[‘Age 70’, 2301,3267,6879]]);var options = {title: ‘Violations, Accidents, and Montana Insurance Cost’,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);}

The chart shows that the average cost of a car insurance policy per year with no accidents or violations is $2,537. Get two speeding tickets and the average cost increases to $3,504, an increase of $967 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for drivers with accidents jumps again to an average of $7,118. That’s an increase of $4,581, or $382 per month, just for not driving responsibly!

State Farm, Progressive, Geico, and Allstate compared

If you want the best car insurance for drivers with at-fault accidents in Montana, four of the best places to start are State Farm, Progressive, Geico, and Allstate. Each one has unique coverages that buyers can select from. The next table illustrates price, claims, and customer service ratings, as well as some optional coverages that are available.