Montana Car Insurance
Montana is a larger state than most people believe. In addition, many resources come from the state. These include zinc, silver, lead, gold, timber, and zinc. The largest city in the state is Billings and the capital is Helena. Only one city has a population of more than 100,000 people, but automobile use is still prominent in the state. There are beautiful mountains that can be seen in the state, as well as lakes, farms, cities, towns, and more. Living in Montana does come with some responsibilities, with an automobile insurance plan required by law.
Auto Insurance Requirements In Montana
To drive legally in the state, drivers in Montana are required to have liability auto insurance policies. The only requirement in the state for car insurance is liability coverage, meaning that additional coverages are entirely optional. Sometimes a lender may require additional automobile insurance in the terms of their loan or lease. If pulled over in the state of Montana, proof of insurance will need to be provided to the officer. Proof of insurance is also required to be presented if an accident happens that you are involved in.
The minimum limits for automobile insurance in Montana include $25,000 for bodily injury liability coverage per person and $50,000 for bodily injury liability coverage per accident. Also, drivers must carry $20,000 for property damage liability coverage. There are no additional requirements for driving legally in the state of Montana, though some people do choose to get higher limits than the minimum required. This further protects them financially. Other types of policies can also be purchased.
Average Cost Of Coverage In Montana
Insurance coverage in the state of Montana is more than 10% above the national average in the United States. Coming in at just above $1,600 per month, there are multiple ways to save money. Numerous factors impact premiums for automobile insurance. These factors can include your credit history, age, marital status, driving record, and others.
The city or neighborhood a person lives and can also affect their car insurance rates, as can the auto insurance provider a person selects.
Cheapest Car Insurance Companies In Montana
Finding the top car insurance companies in Montana is easier to do with the proper resources found here. Each auto insurance provider uses different variables to calculate premiums, and each company weighs them in different ways. Lower cost insurance companies in the state, on average, include Geico, Progressive, State Farm, and Farmers Union. It is still important to shop around to get the best rate, as the city and area within the state a person lives in can also affect which auto insurance providers are the best.
Cheapest Car Insurance In Montana By City
The cheapest auto insurance plans in the state of Montana can be found in Missoula, Laurel, and Billings.
Most Expensive Car Insurance In Montana By City
The most expensive auto insurance plans in Montana, on average, come from the cities of Red Lodge, Lewistown, Wolf Point, and Havre.
Laws, Rules, And Penalties In Montana
There are numerous penalties for people who are caught driving without the minimum amount of auto insurance in the state of Montana. The best way to avoid taking on these penalties is to have a valid insurance plan and bring proof of insurance with you whenever you are driving.
There are hefty penalties for driving without insurance in Montana, including monetary fines, points on your driving record, a driver’s license suspension, and possible imprisonment. When points are added to your license, your car insurance premiums will likely go up when you renew them.
How To Save Money On Car Insurance In Montana
Saving money on car insurance in Montana is easier with the help of the tools on this website. Start by comparing rates from the cheapest automobile insurance companies. If you have a unique situation, such as being a younger driver or a high-risk driver, it is recommended to compare rates from five or more car insurance companies. Most people should compare prices from three respectable companies. Take advantage of discounts that auto insurance companies offer as well, including good student discounts, good driver discounts, safety feature discounts, and others. These are all fantastic ways to keep your wallet more full.