Car Insurance for Good Drivers in Montana

The Zebra
July 15, 2019

Auto insurance for good drivers in Montana

Many of the factors that contribute to your car insurance rates lie beyond your control: your age, location, and gender are typical rating factors over which you don’t have much say. But there are a few factors you can control if you're looking for lower rates.

To find affordable car insurance, try to keep your driving history clean, your credit score high, and your monthly driving mileage low. Auto insurance companies provide premium price cuts to customers who present relatively little risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

Looking for car insurance as a low-risk driver in Montana? Get started by checking out some sample rates below!

Car insurance for citation-free drivers in Montana

One way to reduce your auto insurance rates is to avoid tickets and citations. Insurers view good drivers as less risky customers and in turn, charge them lower premiums. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you’ve steered clear of violations in recent years, start your insurance search with SAFECO, which offers an average annual insurance rate of $800. That comes out to $610less than the average car insurance rate for drivers without citations in Montana.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN MONTANA
Insurance CompanyAvg. Annual Auto Insurance Rate
SAFECO$800
USAA$803
State Farm$971
National Farmers Union P&C$1,064
Allied$1,479
GEICO$1,727
Progressive$1,761
Farmers$1,834

Auto insurance rates for drivers with above-average credit in Montana

Car insurance companies reward drivers who have above-average credit. Car insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score sits within the "good" tier, your best option for car insurance might be SAFECO, offering an average annual rate of $800. If your credit score is in the “excellent” range, USAA might be a smart place to start your search. USAA's prices for clients with credit scores of 800 and up are $399 per year cheaper than average rates for drivers with excellent credit in Montana.

Find below a breakdown of auto insurance rates in Montana for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MONTANA
Insurance CompanyAvg. Annual Auto Insurance Rate
SAFECO$800
USAA$803
State Farm$971
National Farmers Union P&C$1,064
Allied$1,479
GEICO$1,727
Progressive$1,761
Farmers$1,834

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MONTANA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$770
SAFECO$800
State Farm$865
National Farmers Union P&C$1,007
Allied$1,419
Progressive$1,530
GEICO$1,609
Farmers$1,737

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MONTANA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$708
State Farm$772
SAFECO$800
National Farmers Union P&C$888
Progressive$1,229
Allied$1,361
GEICO$1,547
Farmers$1,570

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Auto insurance for low-mileage drivers in Montana

The less frequently you drive, the less likely you are to be involved in a collision or file a claim. At least that's what car insurance companies think. If you stay under the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Montana driver who doesn't rack up major mileage, consider SAFECO, which offers average annual savings of $730 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MONTANA
Insurance CompanyAvg. Annual Auto Insurance Rate
SAFECO$680
USAA$716
State Farm$871
National Farmers Union P&C$1,064
Allied$1,479
GEICO$1,486
Farmers$1,755
Progressive$1,761

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Car insurance rates for good drivers in Montana — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers rate policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Missoula$949$949$874$789$810
Helena$949$949$875$790$809
Helena$949$949$875$790$809
Billings$1,049$1,049$966$872$902
Bozeman$1,064$1,064$982$886$903

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