Short-Term Car Insurance in Montana

The Zebra
Jan. 18, 2019

If you’re seeking flexible car insurance, you could be considering a temporary car insurance policy. But short-term auto insurance agreements are hard to come by for a few different reasons.

First, many companies do not offer policies for less than half a year. Since car insurance is required by law in most places in the US, swapping policies often can be risky. Additionally, you risk having gaps in your auto insurance history by frequently changing policies, which could lead to higher rates in the long run.

There's some good news: car insurance policies commonly last for only six months. This quick duration allows insurance companies to re-rate — or recalculate — your bill based on your recent driving record and personal info.


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The end of a policy period also provides a great opportunity to reassess your situation by considering a new insurer. Finding quotes online is free, and there’s no penalty for trading auto insurance companies when a policy expires — or even mid-term, as long as your insurance doesn't lapse.

Car insurance's flexible nature makes it relatively simple to acquire on short notice. If you're required to get a policy before you can drive a car off of the lot, looking for a policy for a longer-term car rental, or searching for coverage for a vehicle you don't own but regularly drive, think about purchasing a standard policy and ending the term as needed.

Temporary car insurance in Montana

See below average car insurance costs in Montana, ordered by major insurance companies and cities. If you’re paying substantially more than the rates listed below, consider making a change.


SHORT-TERM AUTO INSURANCE RATES IN MONTANA — BY COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Montana State Average — All Companies$808$135
USAA$428$71
SAFECO$714$119
State Farm$545$91
National Farmers Union Property$701$117
Mid-Century$713$119

The most budget-friendly option for single-month auto insurance in Montana is USAA, which can save you $48 per month, compared to the second-cheapest option, SAFECO. In Montana, the average per-month cost of auto insurance is $135, or $808 over a six-month contract.

Where you live has as large an impact on your auto insurance rates as the insurance company you choose. Car insurance companies weigh the density and likelihood of a claim being filed when rating policies by ZIP code. Take a look at insurance rates in Montana's most populous cities and compare them to the amount you pay.


TEMPORARY CAR INSURANCE PREMIUMS IN MONTANA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Billings$501$84
Missoula$516$86
Great Falls$524$87
Bozeman$533$117
Butte$534$89

If your costs exceed those listed above, weigh your options. The short-term nature of an auto insurance agreement adds to the importance of staying informed and ready to shop.

Learn more about temporary auto insurance or use The Zebra to compare policies today.


Additional resources

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