Introduction:

Getting cheap car insurance in Montana doesn't necessarily have to be a difficult and time consuming task. It is now possible to obtain an online auto insurance quotes in just a few minutes time. You will be able to compare rates from many different companies and see which one has the lowest price. All you need to do is choose a company from our directory of insurers and fill out a quick questionnaire concerning the driver and vehicle, you will then be able to see your quote instantly online.

Montana insurance rates information:

In 2008, auto insurance costs averaged $683.18, which represents a change of 1.3% from the year 2007, where the average auto insurance rate was $674.65. More detailed figures that we collected in 2008 show that liability insurance cost motorists an average of $397.56, collision coverage $247.23 and comprehensive coverage cost $227.71. On average, 36 states had insurance premiums which were higher than Montana and 13 had lower car insurance costs. In 2007, 35 states had higher rates than Montana. If we look at a longer period of time, we see than in the year 2000, car insurance premiums averaged $530.43. In 2005, they were at $572.06. During the year 2000, there were 44 US states which had higher insurance premiums. Overall, Montana is one of the cheapest states in the country when it comes to auto insurance.

Certain factors that affect the cost of insurance in Montana:

• Speed limit inside cities: 65 mph
• Speed limits on highways: 70 mph
• Blood alcohol maximum amount: 0.08%
• Open container laws: Both drivers and passengers are prohibited from having open alcohol containers.
• Hand held cell phone laws: No statewide ban exists concerning the use of hand held cell phones while driving a motor vehicle.
• License suspension period for DUI: In Montana, there is no automatic suspension of the drivers license after a first DUI/DWI conviction.

Montana car insurance premium info summary:

• 2008 - Average insurance premium: $683.18
• 2007 - Average insurance premium: $674.65
• 2007 - 2008 Percentage of change: 1.30%
• 2008 - Collision insurance cost: $247.23
• 2008 - Liability insurance cost: $397.56
• 2008 - Comprehensive insurance cost: $227.71
• 2008 - Nationwide premium rank: 37th