Best Cheap Car Insurance for Immigrants in Montana

For Montana drivers, one of the criteria that affect the cost of insurance is your address in Montana. Areas that are densely populated or have higher claim frequency like Columbia Falls, Polson, and Whitefish likely pay more, whereas areas with less congestion benefit from having to pay less for coverage.

The next table shows the more expensive cities in Montana for immigrants to buy an auto insurance policy in.

Annual rates are approximated as the garaging address in Montana can revise insurance rates greatly.

Cost and performance of the vehicle driven is a large consideration that determines if you can find affordable auto insurance for immigrants. Vehicles with high performance, a lack of safety features, or a track record of large liability claims will cost substantially more to insure than more modest models.

The lists below presents car insurance costs for a selection of the more afforable vehicles to buy coverage for.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in garaging location in Montana which can change auto insurance rates noticeably.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in vehicle location which can impact premiums substantially.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify coverage rates considerably.

Determining which company offers the most affordable auto insurance rates for immigrants will require a bit more work in order to find the best policy.

Each insurer uses their own formula to set policy rates, so let’s look at the rankings for the lowest cost auto insurance companies in Montana.

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Safeco has some of the cheapest car insurance rates in Montana at around $862 per year. Progressive, USAA, State Farm, and MetLife also qualify as some of the most economical Montana auto insurance companies.

In the above example, if you have coverage with State Farm and switched to Progressive, you could see an annual premium reduction of in the vicinity of $78. Drivers with MetLife could save as much as $171 a year, and National Farmers Union policyholders might lower prices by $260 a year.

If you would like to find the best cheap car insurance for immigrants in Montana, click here to start your free quote or quote rates from the companies below.

Remember that these policy rates are averaged across all insureds and vehicles and and are not calculated with a price decrease for immigrants. So the company that has the cheapest price for you may not even be included in the list of companies shown earlier. That points out the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

Full coverage rates compared to liability-only

Finding the best cheap car insurance for immigrants in Montana is the goal of most drivers, and an effective way to buy cheaper insurance is to only buy liability insurance. The chart below visualizes the comparison of premium costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.

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If averaged for all ages, physical damage coverage costs an extra $2,715 per year more than carrying just liability coverage. That touches on the question if you should buy full coverage. There is no exact rule of when to drop full coverage, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

Ratings for Montana auto insurance companies

Ending up with the top insurer can be difficult considering how many different companies insure vehicles in Montana. The company rank data in the next section could help you pick which providers to look at to insure your vehicles.

These rankings are for large, nationwide insurance companies, so companies with more of a regional focus will not be included in these rankings. To get price quotes from these and other top-rated companies, just click here.