Auto Insurance with Bad Credit in Montana

The Zebra
March 12, 2019

It can be tough to find cheap auto insurance with a poor credit rating. Auto insurance companies rely on credit history as a rating factor, setting prices based partially on drivers’ credit histories. Because auto insurance companies use historical data showing clients with poor credit have a greater likelihood of filing auto insurance claims, they compensate for that added risk by charging more expensive rates.

Car insurance rates with a low credit score depends on which company you choose, where you live, and other rating factors. See below average car insurance rates for drivers with bad credit in major Montana cities, along with rates from a few of the most popular car insurance companies, followed by tips on how to save on car insurance if you have bad credit in Montana.


Auto insurance for drivers with bad credit in Montana:

  1. Average premiums
  2. Rates by city
  3. Rates by company

Auto insurance rates with bad credit in Montana

Montana drivers pay a penalty of $1,859 annually for having a credit score in the “worst” tier. A driver in the "poor" or "below fair to poor" credit tiers will also pay above-average rates for a car insurance policy.


MONTANA CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in Montana
Worst$3,473
Poor$3,046
Below Fair to Poor$2,645
Average — All Credit Tiers$1,615

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Compare rates from top car insurance companies.


Car insurance rates with bad credit in Montana cities

Your car insurance rates can also fluctuate based on the geographic area where you park your car. Insurers rely on your address to estimate your likelihood of filing a claim: the denser and claim-prone your immediate area is, the more expensive rates you’ll pay.

We've listed major Montana cities and their mean auto insurance rates for drivers with low credit scores.


BAD CREDIT CAR INSURANCE RATES IN MONTANA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Billings$3,120$2,737$2,382
Missoula$3,057$2,682$2,335
Great Falls$3,216$2,818$2,448
Bozeman$3,190$2,800$2,437
Butte000

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Car insurance companies for bad credit in Montana

Another factor contributing to your car insurance rate is the company you choose. Each auto insurance company prices its policies differently, giving rating factors varying weights in their pricing calculations. Credit history can be a major differentiator in price between insurance companies. In Montana, the cheapest insurance company with bad credit is USAA, which offers a discount of $822 annually versus the second-cheapest company, National Farmers Union Property.

See prices from leading auto insurance companies in Montana for drivers with bad credit.


MONTANA CAR INSURANCE RATES WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit
USAA$1,373
National Farmers Union Property$2,194
State Farm$2,436
Mid-Century$3,141
Allstate$3,171

If you're dealing with the difficulty of finding car insurance with a bad credit history, consider these tips:

  1. See auto insurance quotes
  2. Know when — and when not — to file a claim
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.