Cheap Car Insurance Rates in Montana (2023)

Compare Auto Insurance Rates in Montana

Published: Feb 22, 2019 | Updated: Jan 26, 2023

Montana Auto Insurance

If you aren't sure about the requirements and rates for auto insurance in Montana, it's important for you to be informed. That way you can look for quality but cheap auto insurance in Montana, and get the coverage you need. Here are the details you need when it comes to auto insurance statistics and Montana driving laws.

Car Insurance Requirements in Montana

Montana minimum auto insurance requirements are for everyone who lives in that state and drives a car there. According to this law, every driver in the state has to have:

$25,000 worth of bodily injury or death coverage per person
$50,000 worth of bodily injury or death coverage per accident
$20,000 worth of property damage coverage

These are liability coverages, and the only ones that Montana car insurance laws require. You don't have to have comprehensive, collision, or uninsured motorist coverage, but a lot of people choose to get this coverage anyway. It helps protect them further in an accident, even though state law doesn't require it.

Is Montana a No-Fault State?

Montana is a fault state. It uses something called tort law to settle claims for auto accidents. The party that is at fault must pay the claim of the party who was not at fault in the accident. Insurance is what is used to financially protect drivers from claims, and to compensate the other party in any accident.

<zipcode>Find The Cheapest Auto Insurance In Montana:</zipcode>

Car Insurance Prices in Montana

Generally, car insurance prices in Montana can range from around $582 for state minimum liability coverage to more than $2,000 yearly for full coverage options. Driving records and other factors will also have an impact on the price. Teen drivers will pay the highest premiums, with drivers in the 35 to 75 age group paying the lowest average rates.

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;The idea of locating affordable car insurance for 16 - 18 year olds in Montana may not seem possible, as this group pays more than $2,500 annually in premiums. Comparing different rates from carriers and looking for discount programs can help bring rates down some.</qa>

<qa>2;Car Insurance for Students (18 - 24 year olds) in Montana;At 18, a college student will still pay very high rates for car insurance. By the time they reach the age of 22, though, they will be paying rates that are noticeably lower and closer to the average.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Montana;Car insurance rates level out a lot at age 24. From that age until the age of 75, most drivers will pay relatively standard rates based on the quality of their driving record. In Montana, drivers typically pay around $1,300 a year on average.</qa>

<qa>4;Car Insurance for 55 (and Over) in Montana;Age 55 is the low point for car insurance premiums in the state. After age 55 the premiums will slowly start to increase throughout the senior years of a driver, but they won't go up to teenage rates.</qa>

<qa>5;Car Insurance for Veterans in Montana;In Montana, it's possible that veterans can get special insurance rates. There are discount programs through some insurance companies but they vary. Talking to the agent or company is the way to find out what's available.</qa>

Age	Most Popular Vehicle	Gender	Most Common City
18 - 24	Chevrolet	Male - 60% \| Female - 40%	Bozeman
25 - 54	Chevrolet	Male - 45% \| Female - 55%	Billings
55 - 64	Chevrolet	Male - 41% \| Female - 59%	Billings
65 +	Ford	Male - 43% \| Female - 57%	Billings

* This information is based on Pretected.com users.

Auto Insurance for Good Drivers

Good drivers have good driving habits, and it shows in their driving records. You won't find a lot of accidents or tickets there, and that gets rewarded with insurance discounts through a number of companies.

Auto Insurance for Bad Drivers

If you have a driving record that isn't the best, such as one with accidents, tickets, or even a DUI on it, there are still plenty of insurance options available. The rates will be a little bit higher because these drivers are more of a risk for the insurance companies, but some companies will have higher premiums than others.

Traffic Violations and Fines in Montana

Speeding Ticket Cost in Montana

The cost of a speeding ticket in Montana is handled by the individual county where the driver received the ticket. It's hard to put a price on that state-wide, but there will be fines and related costs for any of these tickets. If the driver is convicted of reckless driving in Montana, that adds up to bigger fines, and any of these infractions can put points on a driver's license, as well.

Driving While High Laws in Montana

Montana has DUI laws that are based on more than just alcohol. They also involve driving under the influence of marijuana. Driving while high, just like driving while drunk, is illegal.

Driving Without Car Insurance in Montana

Car insurance is required for all drivers in Montana. If a driver is found to be without insurance they can face penalties such as fines, suspensions, the impounding of their vehicle, and even imprisonment. Depending on the number of times they have been found to be driving without insurance, the penalties can become more severe.

Texting and Driving in Montana

Distracted driving can mean a lot of things, including texting and cell phone use while driving. Eating while driving can also be a distraction. Not all of these things are illegal in Montana, but each one of them can be a contributing factor when it comes to an accident.

<twitter>You can't drive with a sheep in your truck's cab unless you're chaperoned.</twitter>

Montana Car Accidents

There were a total of 190 fatal car accidents in Montana in 2016 (the latest year data is available). This may not seem like that many, but it's 18.23 for every 100,000 people. That's much higher than the national average of 11.59 per 100,000 when looking at car accident statistics.

Reasons for Car Accidents in Montana

The major issue with car accidents in Montana is that the vast majority of them occur in rural areas. There are many places in the state where there are few people, and 170 of the 190 fatalities in 2016 occurred in these areas. Most of them were accidents between two vehicles from failure to yield and related mistakes. Impaired driving and younger drivers were also concerns for the Montana accident rate.

Car Accident Statistics by Vehicle Type in Montana

Nearly all of the fatal car accidents in Montana involved passenger cars. but trucks and SUVs also contributed to the problem. Motorcycles and farming equipment also caused accidents, but at much smaller rates than more typical vehicles. Fewer than five percent of accidents were attributed to these types of conveyances.

Car Accidents in Montana - More Facts

A car accident occurred in Montana every few minutes. Most of these were in rural areas, with a few taking place in more urban locations. Nearly all of the fatal crashes were in rural areas where the speed limits are often higher. While younger drivers contributed disproportionately to these crashes, impaired drivers were also a problem on Montana roadways.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Montana

Don't throw anything across the street, and that probably means out of your car window, too.
Traveling to Whitehall? You can't operate a vehicle with ice picks on its wheels.

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