Best Car Insurance for High-Risk Drivers in Montana

Being labeled a high-risk driver in Montana can make car insurance more expensive and harder to find. But it doesn’t mean you’re out of options. Whether you’ve had a DUI, multiple speeding tickets, at-fault accidents, or lapses in coverage, there are ways to get affordable, reliable car insurance — even as a high-risk driver.

Who Is Considered a High-Risk Driver?

In Montana, you may be classified as high-risk if you:

• Have a DUI or DWI conviction

• Have multiple traffic violations

• Were involved in one or more at-fault accidents

• Had a lapse in auto insurance coverage

• Are a new or teenage driver

• Have poor credit (used as a rating factor in Montana)

These factors signal to insurers that you may be more likely to file a claim, which increases your premiums.

How a High-Risk Status Affects Your Premium

High-risk drivers typically pay significantly more than standard-risk drivers. A single DUI or major violation can cause premiums to double or even triple. For example, if the average premium for a standard driver is $1,200 per year, a high-risk driver may pay $2,400 or more.

Additionally, some insurers may refuse to provide coverage altogether — making it essential to compare multiple providers to find one that specializes in high-risk policies.

What Insurance Options Are Available in Montana?

Montana drivers considered high-risk still have several options:

1. Standard Insurance Companies with High-Risk Programs

Some insurers offer special programs for drivers with violations or accidents. These often include higher rates but still offer full coverage, discounts for defensive driving, and policy bundling.

2. Non-Standard Insurance Providers

These companies focus specifically on high-risk drivers and often have more flexible underwriting. While premiums can be higher, they are more likely to offer a policy when traditional carriers won’t.

3. SR-22 Insurance

If your license was suspended or revoked, you may need to file an SR-22 with the Montana DMV. This is not a type of insurance but a form your insurer files to confirm you carry the state’s minimum liability coverage.

How to Lower Your Premiums as a High-Risk Driver

Even as a high-risk driver, there are steps you can take to reduce your rates:

• Take a defensive driving course – It can improve your record and qualify you for discounts.

• Avoid further violations – Time is your ally. As violations age, their impact on your rates lessens.

• Maintain continuous coverage – Avoid any gaps, even if you’re not currently driving.

• Improve your credit – In Montana, a better credit score can positively influence your premium.

• Drive a safer, lower-cost vehicle – Cars with good safety ratings and low repair costs reduce risk for insurers.

How Long Will You Be Considered High-Risk?

Most infractions remain on your record for 3 to 5 years, depending on their severity. DUIs often have longer consequences, but over time — and with clean driving — you can return to standard-risk status and see premiums drop.

Best Practices for High-Risk Drivers in Montana

• Shop around — rates vary significantly between insurers

• Look for high-risk specialists — some providers are more lenient

• Ask about discounts — even high-risk drivers may qualify

• Be honest in your application — false info can void coverage

Final Thoughts

Being a high-risk driver doesn’t mean you’re stuck with high premiums forever. The right insurance partner can help you get coverage now, while also supporting your return to lower-risk status in the future.

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