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Cheap Auto Insurance for Drivers with a Bad Driving Record in Montana

Enter your Montana Auto Insurance zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2019

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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.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest car insurance companies in Montana
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.

How much does car insurance cost in Montana?
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.

Comparison of Top Four U.S. Car Insurance Companies
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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