Insurance Montana
Auto Insurance Montana
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
- State Minimum Requirements: Auto Insurance Montana
- Cheapest Auto Policies Liability Only
- Factors That Can Impact The Cost of Auto Insurance In Montana
- Ways to Save Money on Auto Insurance Montana
- Most Affordable Full Coverage Insurance Montana
- AM Best Rating for Auto Insurance Montana
- TOP 10 Average Monthly Rates With a Bundle
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
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!
• 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.]
• 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.
• 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.
• 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.
• Is to help cover the cost of you or your passengers medical expenses regardless of who was at fault for the accident.
• 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.
State Minimum Requirements: Auto Insurance Montana
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
Cheapest Auto Policies
Liability Only
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Progressive Insurance | $88 |
| The General | $89 |
| Mendota Ins. Company | $93 |
| National General | $95 |
| Bristol West | $98 |
Montana has a motto, "oro y plata" and this means "gold and silver". We'll get you savings so great you'll drop a gold brick!
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 Company | Clean Driving History | Lower Credit Rating | Teen 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 |
Curious to know what we save Montanans annually on car insurance?
$600 Annually
That's almost 500 candy bars!
Ways to Save Money on Auto Insurance Montana
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.
Most Affordable Full Coverage Insurance Montana
Full Coverage Includes:
State Required Liability & Uninsured/Underinsured
PLUS
Comprehensive and Collision
Rental Reimbursement & Roadside Assistance are not automatically included with full coverage.
| Insurance Company | Average Cost Annually |
|---|---|
| National General | $1,452 |
| Progressive | $1,632 |
| NationWide | $1,752 |
| Travelers | $1,764 |
| GEICO | $1,680 |
AM Best Rating for Auto Insurance Montana
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 Company | AM Best Rating |
|---|---|
| Bristol West | A |
| National General | A+ |
| GEICO | A++ |
| Progressive | A+ |
| GAINSCO | A- |
| The General | A |
| NationWide | A+ |
| Travelers | A++ |
TOP 10 Average Monthly Rates With a Bundle
One of the most common ways to save money on your car insurance in Montana is to bundle it with another policy. Insurance companies give you a discount when you have multiple policies because you are more likely to keep your policies. Commonly people bundle their homeowners insurance in Montana with their car insurance. The table below shows the average cost when you bundle your Montana insurance policies.
| Insurance Company | Average 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 |
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 | Life |
| RV | Health |
| Motorcycle | ATV |
| Umbrella | Business Liability |
Additional Helpful Links
| Montana DMV |
| Montana Liability Insurance |
| Montana Insurance Requirements |
| Montana Homeowners Insurance |
| Motorcycle Insurance in Montana |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Alexandra Vileikis