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Cheap SR 22 Auto Insurance in Montana: Best Companies & Quotes
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Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Best Car Insurance Companies in Montana
- State Farm
|AM Best Financial Strength Rating||A++||A+||A++||A+||A-||A++|
|JD Power 2019 Overall Customer Satisfaction score||3/5||3/5||3/5||3/5||3/5||4/5|
|Avg Annual Premium||$344||$504||$733||$914||$1,149||$202|
|Consumer Reports Reader Score||78||75||78||72||72||92|
|BBB Rating||A+||A+||A+||A+||A+||Not Rated|
Auto Insurance Statistics in Montana
Montana is one of the states with auto insurance rates that have remained under the national average. Drivers looking for affordable car insurance rates can benefit from learning how well the state ranks in the cost of car insurance when compared with other states nationwide.
Top 10 Cheapest Car Insurance Companies in Montana
|Rank||Company Name||Avg. Annual Premium|
|3||National Farmers Union P&C||$1,145|
Drunk Driving Fatalities
Drinking and driving is a dangerous activity that many times can end up in fatalities. As drivers take out car insurance in Montana, it is helpful to understand the rate of drunk driving fatalities in the state. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Montana vs. nationwide.
Drunk driving fatalities in Montana from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Montana has been under the national average for quite some time. This data below shows that fewer teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country.
Teen Drinking & Driving in Montana vs. Nationwide (2017)
SR-22 Insurance in Montana
Are you looking for an SR-22 insurance policy in Montana? If so, it's probably because you have had your license revoked or suspended. Even if you've had your license taken away for a minor reason, Montana state officials might require you to show proof of SR-22 insurance in order to ensure you have basic coverage while driving on the roads.
For those located in Montana, you will need $25,000 of per individual liability coverage, $50,000 of multiple injury coverage per accident, and property damage coverage of $10,000. This is fairly in line with most SR-22 coverage options around the country.
Car Theft in Montana
Learning about the level of car theft in Montana will give car insurance buyers an idea as to how many car thefts occur. Comprehensive car insurance coverage can help a driver who has become a victim of automobile theft.
Vehicle thefts by rank nationwide vs. Montana
Uninsured Motorists in Montana
There are drivers that operate motor vehicles in Montana without sufficient auto insurance coverage. If a car accident takes place with an uninsured driver, it is beneficial to have uninsured and underinsured motorist coverage. The below data shows how well Montana ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Minimum Requirements For Car Insurance in Montana
There are minimum requirements for car insurance in the state of Montana. According to The Montana Department of Justice. it is mandatory to have liability coverage for every registered driver who is operating a vehicle in the state.
Liability Coverage minimums for the state of Montana:
- $25,000 per individual to cover bodily injury or death
- $50,000 per accident involving bodily injuries or deaths
- $10,000 for property damage
Source: Montana Department of Justice
New Driver Licensing Requirements
Montana residents who would like to obtain a driver's license will need to do so within 30 days of residency. If a new driver would like to get a driver’s license in the state, they will need to complete the Graduated Driver License (GDL) program which has three steps. These 3 steps include the Permit Period, the First-Year Restricted License period, and the Full-Privilege Driver License.
Before beginning the Graduated Driver License program, an applicant will need to take a Traffic Education Learner’s License course that is state-approved. The permit period is valid for one year for applicants who are age 16.
First-Year Restricted License
A first-year restricted license is a full drivers license that has restrictions on it for the first year. These restrictions include:
- During the first 6 months, applicants cannot carry more than one unrelated passenger under 18 years old.
- After the first 6 months, the applicant may have no more than three unrelated passengers under 18.
- The applicant is not allowed to drive between the hours of 11 p.m. and 5 a.m. unless they are driving for an emergency or for farm related activities, as well as driving to and from school, church, or work.
The Montana Insurance Verification System
Montana has also recently set up the Montana Insurance Verification System (MTIVS), which keeps a database of everyone’s auto insurance. This makes life easier for law enforcement officials to verify if someone is insured in situations where they’re unable to find their insurance card.
Since you’re going to need auto insurance, you might as well get one with an affordable policy. The average resident of Montana pays $1,624 annually for auto insurance. There are better deals to be had, however. Here’s a list of the cheapest auto insurance companies for Montana’s five biggest cities:
Billings is Montana's largest city and its main economic center. It also has a rich history, dating back to the days of the Lewis and Clark expedition. William Clark's signature can be found on nearby Pompeys Pillar, which also contains Native American petroglyphs and is now a national monument.
Despite its population, Billings is the third cheapest city in Montana to get auto insurance, with residents paying $1,526 annually. Further discounts can be had as well, with GEICO leading our list of cheap insurance options at $871:
- Farmers Union
- State Farm
Missoula is the state's second largest city. It's also located near a lot of scenic nature, such as the Clark Fork River in Caras Park. The surrounding area features an abundance of wildlife, including black bears, bald eagles, osprey, and white-tailed deer.
Missoula stands out as the cheapest place in Montana to get auto insurance, with average rates of $1,413. The following are the cheapest options among them:
Great Falls, MT
- State Farm
- Farmers Union
Great Falls, the third biggest city in Montana, gets its name from the five waterfalls located nearby that Lewis and Clark had to navigate their way around during a particularly grueling segment of their journey. Finding cheap auto insurance here is a significantly easier task, with average rates being cheaper than the state average. These companies offer the best bang for your buck here:
- State Farm
- Farmers Union
Bozeman is the state's fourth largest city. It's a beautiful college town, home to Montana State University. The scenic nature of this spot hasn't gone unnoticed, being featured in a number of films including The Wildest Dream, Amazing Grace and Chuck, and A River Runs Through It.
Auto insurance rates here are very reasonable, with people paying a yearly average of $1,540. For even better rates, you can look into the following companies:
- State Farm
- Farmers Union
Butte, the state's fifth largest city, actually used to be one of the largest cities in the entire Rocky Mountain area during the late 1800's and early 1900's. While the population declined following the end of World War I, a healthy community still remains there today. Auto insurance prices are a little on the high side at $1,693 per year on average, but you can get some savings with these companies:
- Farmers Union
- State Farm
Types of Auto Insurance Coverage in Montana
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Cheap Auto Insurance Discounts
Car insurance discounts are offered by many different car insurance companies in Montana and nationwide. Auto insurance discounts allow drivers to save the maximum amount on car insurance premiums each year and each month. At CheapAutoInsurance.co, we strive to make sure that you can get the lowest possible rate on your auto insurance coverage. Browse the list of car insurance discounts below for even more savings.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Montana Car Insurance
This section answers the general questions you have about car insurance in Montana. Use this information to help you better understand more complicated questions.
How fast to buy insurance in Montana on a car?
In Montana, how to get non-owner car insurance?
How to get car insurance in Montana?
What information do I need to buy auto insurance in MT?
When did Montana require car insurance?
What happens when I change auto insurance companies in Montana?
Which car insurance companies do business in the state of Montana?
Montana Car Insurance Laws
Like every state, Montana has its own car insurance laws. Find the answers to your questions about Montana car insurance laws here.
How quickly must you buy insurance in Montana on a car?
What should I get on MT car insurance?
What is full auto insurance in Montana?
What are the auto insurance fines in Montana?
How many days to you have to add a new car to auto insurance in MT?
In Montana auto insurance demerit points stay on your record for how many years?
How old must you be to buy auto insurance in Montana?
What car insurance is required in Montana?
In Montana, who must obtain auto insurance for a vehicle?
What insurance is required on a paid off car in Montana?
How much car insurance do I need in Montana?
How do I handle car insurance in Montana when car is in storage?
What happens in Montana if you have no auto insurance and get in accident?
How to be exempt from MT car insurance law?
What tickets go to your car insurance in MT?
What is the lowest requirement for car insurance in Montana?
Are you required to have auto insurance in Montana when you obtain your driver's license?
What type of car insurance is required in Montana?
What is full coverage auto insurance in Montana?
When you lease a car in Montana do you need insurance?
How do "points" affect motorcycle insurance in Montana?
Montana Car Insurance Prices
This section answers your questions about the price of car insurance in Montana.
What is the average monthly car insurance premium in Montana?
What effect does credit rating have to do with Montana auto insurance?
How much car insurance is for an 18-year-old male in Montana?
What Is Montana insurance law for minor who owns a car?
Why is auto insurance so high in Montana?
How much does car insurance cost Montana?
What is the cheapest car insurance in Montana?
How do points affect Montana car insurance?
At what age in Montana does car insurance drop?
Why does Montana car insurance keep going up?
What kind of car has the cheapest insurance in Montana?
How are auto insurance premiums calculated in MT?
What is the average price of car insurance in Montana?
How does Montana car insurance compare to Idaho?
Montana Car Insurance Claims and Coverage
We’ll help you understand how car insurance claims and coverage work in this section.
When in a car accident can you collect medical payments from both insurance companies MT?
How long should an insurance company provide a rental car after totaled Montana?
How long before insurance pays on stolen car in Montana?
In MT, what is property damage on car insurance?
What does high risk auto insurance cover in MT?
What to expect when filing an auto insurance claim in Montana?
Other Montana Car Insurance Questions
This section answers questions that don’t fit into our other categories. Check here if you don’t see your question listed elsewhere.