Insurance Montana

Insurance Montana

Montana Auto Insurance

Montana is well known for its outdoors. Let us help you find the best auto insurance policy for you, so you can spend more time enjoying the great Montanan outdoors!

Montana Auto Insurance: Coverages Explained


We’ve done the research for you to make it as easy as possible to understand coverages, and know exactly what coverages you want for your vehicle.

If you have any questions at all, don’t hesitate to call or chat with one of our licensed agents!

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• Coverage that pays for bodily injury and property damage when you’re at fault in an accident. It does not cover you or your vehicle. An easy way to put is imagine you and your car have a bubble around it. Liability coverage covers everything that’s outside the bubble if you are at fault in an accident.


[Liability is required in 49 states and the District of Columbia. The only state that does not require liability insurance is New Hampshire.]

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• Coverage helps cover cost of damages to your vehicle from accidents that are not collision related. A great example is theft and vandalism or hail damage.


• Comprehensive carries a deductible. In most cases you get to select the deductible. The higher the deductible you choose – the cheaper your insurance will be. So if choose a $1,000 deductible and your car gets damaged by hail; you will have to pay $1,000. Then insurance will pick up the remaining cost.

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• Coverage that helps pay for damages to your vehicle from an accident, regardless of who is at fault. A good example would be if you back into a concrete pole in a parking lot. Collision insurance will help you pay for that damage.


• Just like comprehensive insurance – collision insurance typically carries a deductible. So before insurance will pay for the damage associated with you backing into the pole, you’d have to pay your deductible.

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• These coverages cover you if you and your passengers are in an accident with someone who doesn’t have any insurance or doesn’t have enough insurance.

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• Is to help cover the cost of you or your passengers medical expenses regardless of who was at fault for the accident.

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• Rental reimbursement is an added coverage to help cover the cost of a rental while your vehicle is being repaired after a covered claim was made to the insurance company. Insurance companies give you a certain dollar amount per day towards a rental.


• Roadside assistance is another added coverage to cover the cost of when you: need a tow, run out gas, lock yourself out of your car, need a jumpstart, or need help putting the spare tire on after a flat.

Car Insurance In Montana:

State Minimum Requirements

Montana requires the following insurance minimums on all vehicles.

Liability:
$25,000 per bodily injury / $50,000 per accident / $20,000 property damage

Uninsured/Underinsured:
$25,000 per person / $50,000 per accident

Car Insurance in Montana:

Cheapest Auto Policies
Liability Only

Car Insurance CompanyAverage Monthly Payment
Progressive Insurance$88
The General$89
Mendota Ins. Company$93
National General$95
Bristol West$98
*(Not all insurance companies available in all states.)
Insurance Montana

Insurance Montana:

Factors That Can Impact The Cost of Auto Insurance In Montana

Age

As most people know age affects your insurance. The more years of experience you have driving a vehicle the lower the cost of your insurance. At age 25 is when young drivers can expect to notice a big drop in the cost of their auto insurance

Credit Rating

It seems like there isn't anything in life that isn't affected by your credit score. Insurance companies found that those with a lower score are more likely to file claims. The best thing you can do is take small steps to improve your credit rating.

Driving History & Claim History

Insurance companies go back 3-5 years (dependent on the company) to look at driving and claim history. A clean driving history shows that you are a safe driver and less likely to get into an accident. Claim history is one of the biggest factors when it comes to insurance cost and its easy to understand why; you're more likely to cost the insurance company. So to cover the cost they raise your premium. It is best to avoid filing small claims on your insurance for that very reason.

Car Insurance in Montana:
Average Monthly Cost of Insurance by Factor

Insurance CompanyClean Driving HistoryLower Credit RatingTeen Driver (added to parents policy)
Assurance
America
$107$158$323
GEICO$97$163$405
Progressive$116$222$354
National General$98$152$509
NationWide$100$183$550
*(Not all insurance companies available in all states.)

Curious to know what we save Montanans annually on car insurance?

$600 Annually

That's almost 500 candy bars!

Insurance Montana:

Ways to Save Money

Be a defensive driver.  We have all seen them… There are crazy drivers out there.. You can not count on what the other driver is going to do.  An alert driver is a safe driver.

Utilize an insurance broker to shop insurance rates through a variety of different carriers.  One call can provide you multiple quotes.  An experienced insurance agent knows what questions to ask to help modify an insurance policy to fit your needs.

Give yourself time to get to where you need to go.  Traffic happens, slow downs occur… If you know it takes 15 minutes to get to your destination, then leave the house 10 minutes earlier.  With this attitude, you are less likely to speed, weave in and out of traffic, or run a red light…. All of which can catch the eye of the police who can and most likely will write you a ticket.  Violation free discount (meaning no moving violations within the past 3 years) is another great discount for drivers of all ages.

Don’t let your insurance lapse.  The proof of prior insurance discount is one of the biggest discounts you can get when purchasing a new policy.  Most carriers need at least 6 months of continuous insurance without more than a 30 day gap - though to maximize the discount a 0 day gap is preferred -  to qualify for the proof of prior insurance discount on the new policy.

If you are young (under 25 years old), please please, get yourself a dependable used vehicle that does not require Full coverage.  No one wants to work and have the majority of their paycheck go to a car payment and insurance.  Bide your time, build your discounts, and keep your driving history clean.  Comprehensive and Collision coverage is significantly higher for younger drivers. 

Auto Insurance Montana:

Most Affordable Full Coverage

Full Coverage Includes:

State Required Liability & Uninsured/Underinsured

PLUS

Comprehensive and Collision

Rental Reimbursement & Roadside Assistance are not automatically included with full coverage.

Insurance CompanyAverage Cost Annually
National General$1,452
Progressive$1,632
NationWide$1,752
Travelers$1,764
GEICO$1,680
*(Not all insurance companies available in all states.)

Best Auto Insurance in Montana:

AM Best Rating for Auto Insurance

When it comes to car insurance in Montana knowing how an insurance company is rated by AM Best can help provide you with extra comfort. The higher the company is rated by AM Best the better of a reputation they have when it comes to fulfilling financial obligations when claims are filed.

Insurance CompanyAM Best Rating
Bristol WestA
National GeneralA+
GEICOA++
ProgressiveA+
GAINSCOA-
The GeneralA
NationWideA+
TravelersA++
*(Not all insurance companies available in all states.)

Car Insurance in Montana:

TOP 10 Average Monthly Rates With a Bundle

Insurance CompanyAverage Monthly Payment
Bristol West$130
Geico$130
Mendota Ins. Company$134
21st Century$139
Acceptance RTR$141
AssuranceAmerica$142
Dairyland$143
GAINSCO$148
The General$161
National General$163
*(Not all insurance companies available in all states.)

There are also other insurance policies you can bundle with your Montana car insurance. Montana is known for it's amazing outdoor recreation activities and it's important to insure the items you use while enjoying the doors. Below are a few other examples of bundling options.

Boat
RV
Motorcycle
Umbrella

Life
Health
ATV
Commercial

Last Updated on June 1, 2022 by alexandra Vileikis