Find Cheaper Montana Car Insurance Rates for Drivers With a Bad Driving Record
Enter your Montana Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
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Locating budget insurance is challenging, and figuring out which company offers the lowest-priced auto insurance rates for drivers with a bad driving record involves additional perseverance. Coverage prices should be quite a bit greater than the average policy in Montana, with the extra cost attributed to the extra risk that goes along with offering coverage for bad drivers, but competitive insurance should be available with a little diligence. Each auto insurance company has a different formula to establish rates, so let’s begin by taking a look at the most budget-friendly auto insurance companies in Montana.
It’s a good idea to be aware that Montana auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Events like turning one year older, increasing deductibles, or getting a reckless driving citation may prompt premium changes resulting in some rates now being much higher than others.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $853 |
| 2 | Progressive | $971 |
| 3 | USAA | $1,055 |
| 4 | State Farm | $1,069 |
| 5 | MetLife | $1,151 |
| 6 | National Farmers Union | $1,228 |
| 7 | Allied | $1,348 |
| 8 | Farmers | $1,541 |
| 9 | California Casualty | $1,552 |
| 10 | GEICO | $1,740 |
| 11 | Allstate | $2,090 |
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Safeco generally has some of the most affordable car insurance rates in Montana at around $853 per year. Progressive, USAA, State Farm, and MetLife also qualify as some of the most economical Montana insurance companies.
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As shown in the rates above, if you currently have coverage with USAA and switched to Safeco, you may realize a yearly price reduction of in the vicinity of $202. Drivers with State Farm may save as much as $216 a year, and MetLife policyholders might cut rates by $298 a year.
To see how much you can save, click here or quote rates from the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
It’s important to note that these premium estimates are averaged across all types of insureds and vehicles and and are not calculated with a rate increase for drivers with a bad driving record. So the company that is best suited for you may not even be featured in the rate chart shown above. That is why you need to get rate quotes using your own driver information and specific vehicle type.
For bad drivers, one of the big factors used to calculate rate quotes is your address in Montana. Cities with larger populations or higher claims like Kalispell, Whitefish, and Polson tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims enjoy lower auto insurance rates.
The following table ranks the higher priced cities in Montana for drivers with a bad driving record to buy car insurance in.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Kalispell | $1,187 |
| 2 | Evergreen | $1,187 |
| 3 | Whitefish | $1,177 |
| 4 | Columbia Falls | $1,176 |
| 5 | Polson | $1,148 |
| 6 | Livingston | $1,146 |
| 7 | Havre | $1,137 |
| 8 | Lewistown | $1,131 |
| 9 | Sidney | $1,115 |
| 10 | Glendive | $1,096 |
| 11 | Anaconda-Deer Lodge | $1,092 |
| 12 | Miles City | $1,081 |
| 13 | Butte-Silver Bow | $1,078 |
| 14 | Bozeman | $1,055 |
| 15 | Belgrade | $1,053 |
| 16 | Hamilton | $1,046 |
| 17 | Missoula | $1,041 |
| 18 | Lockwood | $1,040 |
| 19 | Great Falls | $1,026 |
| 20 | Helena | $1,024 |
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Rate information is approximated as the specific garaging location can modify prices considerably.
Which car insurance company is best?
When comparing car insurance for bad drivers, four of the best places to start are Geico, State Farm, Allstate, and Progressive. The following table ranks ratings for price and service, as well as some optional coverages that may be available in your state.
| Geico | State Farm | Allstate | Progressive | |
|---|---|---|---|---|
| Claims Handling | 3rd | 2nd | 1st | 4th |
| Overall Price | 1st | 2nd | 4th | 3rd |
| Policy Discounts | 2nd | 3rd | 1st | 4th |
| Customer Satisfaction | 1st | 4th | 2nd | 3rd |
| Breakdown insurance | Yes | No | No | Yes |
| Rating based on usage | No | Yes | Yes | Yes |
| Accident forgiveness coverage | Yes | No | Yes | Yes |
| New car replacement insurance | No | No | Yes | No |
| Emergency roadside service | Yes | Yes | Yes | Yes |
| Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
| Insure in Montana | Yes | Yes | Yes | Yes |
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Frequently Asked Questions
Why do drivers with a bad driving record typically face higher car insurance rates in Montana?
Drivers with a bad driving record typically face higher car insurance rates in Montana because insurance companies consider them to be high-risk individuals. A bad driving record may include traffic violations, accidents, or DUI convictions. Insurance companies view these drivers as more likely to file claims in the future, resulting in higher premiums.
Are there any discounts or programs available to help drivers with a bad driving record save on car insurance in Montana?
While discounts for drivers with a bad driving record may be limited, some insurance companies in Montana offer programs to help them save on car insurance. These programs may include defensive driving courses or usage-based insurance programs that track driving behavior. It’s best to check with various insurers to explore any available options.
How can I find cheaper car insurance rates in Montana with a bad driving record?
To find cheaper car insurance rates in Montana with a bad driving record, consider the following steps:
- Compare quotes from multiple insurers: Obtain quotes from different insurance companies to find the most affordable option for your situation.
- Look for specialized insurers: Some insurance companies specialize in providing coverage to drivers with a bad driving record. These insurers may offer more competitive rates.
- Improve your driving record: Focus on practicing safe driving habits, avoiding traffic violations, and maintaining a clean driving record over time. As your record improves, you may become eligible for lower insurance rates.
- Increase deductibles: Opting for higher deductibles can lower your premiums, but remember that you’ll need to pay more out of pocket in case of an accident.
- Seek discounts: Inquire about any available discounts, such as bundling policies, completing defensive driving courses, or maintaining a certain length of continuous coverage.
Is it possible to get car insurance with a bad driving record in Montana?
Yes, it is possible to get car insurance with a bad driving record in Montana. However, it may be more challenging and expensive compared to drivers with a clean record. Some insurance companies may be more willing to provide coverage than others, so it’s important to explore different options and compare quotes.
How long does a bad driving record affect car insurance rates in Montana?
The duration of how long a bad driving record affects car insurance rates in Montana may vary depending on the insurance company’s policies. Typically, violations and accidents remain on your driving record for several years. However, as time passes without any new incidents, your insurance rates may gradually decrease.
Are there any steps I can take to improve my driving record and potentially lower my insurance rates in the future?
Yes, there are steps you can take to improve your driving record and potentially lower your insurance rates in the future:
- Obey traffic laws and practice safe driving habits.
- Attend defensive driving courses to enhance your skills and knowledge.
- Maintain continuous coverage without any lapses.
- Avoid traffic violations and accidents.
- Consider usage-based insurance programs that track your driving behavior and offer discounts for safe driving habits.
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