MoneyGeek’s ranking system shows that State Farm is Montana’s most affordable car insurance provider for drivers with a DUI. The company is also the best overall insurer for full and minimum coverage after a DUI.
Auto Insurance
Getting Car Insurance in Montana After a DUI (2024)
Updated: November 21, 2024
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Key Takeaways
In Montana, the two cheapest providers for full coverage car insurance after a DUI are State Farm at $807 per year and Allstate at $1,405 per year.
In Montana, the top two cheapest providers for minimum coverage car insurance after a DUI are State Farm, at $369 per year, and Allstate, at $741 per year.
In Montana, State Farm stands out as the top full coverage car insurance provider for drivers with a DUI, offering an annual rate of $807, thanks to its notable affordability, excellent customer satisfaction, and solid financial stability.
Car insurance is a requirement in most states, although insurers are not legally bound to provide drivers with coverage after a DUI conviction. While some may deny you a policy, others will offer coverage at significantly higher premiums.
On average, your car insurance rate in Montana will increase by 77.72% if you are found guilty of DUI. You may also incur fines, have your license suspended or face penalties from the court and the Montana Department of Revenue.
Cheapest Car Insurance Companies in Montana After a DUI
Overall, Progressive and State Farm provide the cheapest car insurance for DUI drivers in the United States. However, the cheapest insurer in each state may vary depending on several factors. In Montana, State Farm offers the cheapest widely available car insurance if you have a DUI.
Cheapest Companies for Full Coverage in Montana After a DUI
How much you pay for full coverage car insurance in Montana depends on your insurer. In Montana, the most affordable car insurance providers for DUI drivers who want full coverage are:
- State Farm: $807 per year
- Allstate: $1,405 per year
USAA had the second-lowest average car insurance rate in Montana. However, its policies are only available to military members and their families.
Cheapest Car Insurance for Full Coverage After a DUI
| 1 | State Farm | $807 |
| 2 | USAA | $1,021 |
| 3 | Allstate | $1,405 |
| 4 | Progressive | $1,780 |
| 5 | Farmers | $1,847 |
Cheapest Companies for Minimum Coverage in Montana After a DUI
The average cost of car insurance after a DUI also varies depending on the coverage level you select.
Based on MoneyGeek’s data, the cheapest providers of minimum coverage car insurance for DUI drivers are:
- State Farm: $369 per year
- Allstate: $741 per year
For military drivers and their families, USAA provides the second-cheapest minimum coverage car insurance in the state, at $384 per year.
Cheapest Car Insurance for Minimum Coverage After a DUI
| State Farm | $369 |
| USAA | $384 |
| Allstate | $741 |
| Progressive | $806 |
| Farmers | $869 |
| GEICO | $1,136 |
| Allied | $1,160 |
| MetLife | $1,761 |
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The cheapest car insurance option in Montana is the state minimum coverage, but it may not be sufficient to cover all your expenses after an accident. The state minimum car insurance does feature liability insurance, which covers the cost of injury and damage to third-party drivers after an accident. How much coverage you need will depend on your situation.
Top Car Insurance Companies in Montana After a DUI
MoneyGeek ranked the best car insurance companies for someone with a DUI across factors like affordability, customer satisfaction and financial stability. From the findings, the best provider of full coverage and minimum coverage car insurance if you have a DUI is State Farm.
Best Companies for Full Coverage in Montana After a DUI
MoneyGeek determined that the best full coverage car insurance providers in Montana for DUI offenders are State Farm and Allstate.
1
State FarmBest full coverage after a DUI
Score:4.5
Full coverage car insurance from State farm costs an average of $807 if you have a DUI and $751 without a DUI. Drivers pay 7.55% more per year with a DUI.
More About State Farm
State Farm had the highest affordability, satisfaction and claims scores in Montana. The insurer offers a wide array of discounts, including student and good driver discounts. However, it does not provide unique coverage options, such as gap insurance, new car replacement, accident forgiveness and better car replacement coverage.
2
Allstate
Score:4
The average cost of full coverage car insurance with Allstate is $1,405 for drivers with a DUI and $1,012 for those without a DUI. Rates for drivers with a DUI conviction is 38.83% higher.
More About Allstate
Allstate had one of the highest claims and customer satisfaction scores and second-highest affordability and financial stability scores. Allstate offers cheap coverage for student drivers, as well as coverage for custom parts and sound systems. The insurer does not offer some common discounts, like the multiple car discount.
Best Companies for Minimum Coverage in Montana After a DUI
The best car insurance companies for DUI drivers who want the minimum coverage in Montana are State Farm and Allstate. The state minimum car insurance offers the least protection and may not be adequate for everyone’s needs.
1
State FarmBest minimum coverage after a DUI
Score:4
Montana drivers with a DUI pay about $369 per year for State Farm’s minimum coverage car insurance. Those without a DUI pay an average of $338 per year. If you have a DUI conviction, your rates will be 9.17% higher.
More About State Farm
State Farm offers the best minimum coverage car insurance for drivers convicted of a DUI in Montana. The company had the highest affordability and customer satisfaction scores. Available in all the states, the insurer offers various discounts, including good driver and student discounts. However, it does not have unique coverage options, such as OEM.
2
Allstate
Score:4
Minimum coverage car insurance from Allstate costs an average of $741 if you have a DUI and $543 for drivers without a DUI. That’s a difference of 36.46%.
More About Allstate
Allstate had one of the highest claims and customer satisfaction scores. The insurer is also available nationwide and offers affordable policies to young drivers. However, policyholders who need better replacement coverage or multiple car and defensive driving discounts may have to look elsewhere.
How Much Does Car Insurance Cost in Montana After a DUI?
Based on MoneyGeek's ranking system, getting car insurance if you have a DUI in Montana will cost you about 77.72% more than if you don’t have a DUI. Drivers with no DUI conviction pay $1,128 per year, while those with DUIs pay $2,005 per year for the same coverage.
You can compare costs before and after a DUI using the table below.
How long does a DUI affect the cost of your car insurance?
The look-back period refers to a DUI’s duration on your driving record. In most cases, you will face additional penalties if you commit other DUI offenses during the look-back period. The number of years in the look-back period varies between states. If you have a DUI in Montana, it will take ten years to be cleared of the offense.
Average Cost
Full Coverage
$1,128
Average Cost with DUI
Full Coverage
$2,005Full coverage policy premiums after a DUI cost::$877 more
This is 78% more expensive.
Drivers in Montana are likely to pay more for car insurance if they have a DUI. Insurance providers consider you a high-risk driver if you have this violation on your driving record, and some may deny you a policy altogether.
You can use the calculator below to estimate car insurance costs based on your driving profile.
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Rates updated:
Nov 21, 2024
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Increased car insurance premiums are not the only costs drivers incur after a DUI conviction. You will also have to meet various financial obligations as per Montana’s law, including:
- Fines, court and attorneys' fees: You will pay several fines, court costs and attorney fees.
- Towing/impound fee: You’ll be responsible for the cost of towing and impounding your car.
- Drug education and treatment: Most DUI convictions include compulsory alcohol or drug education programs.
- DMV reinstatement fee: Some states will charge you a fee to reinstate your license.
Getting Car Insurance in Montana After a DUI
Getting car insurance after a DUI can be an uphill battle. Insurers are private companies and are not legally bound to provide you with a policy after a DUI. When a company does offer a policy, it will charge you higher rates since you are considered a high-risk driver. The look-back period also complicates the process of getting insurance after a DUI.
Montana drivers pay around 77.72% more for full coverage car insurance after a DUI. Since each insurer charges a different rate, you will need to compare quotes across multiple companies to secure the best policy for your situation.
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Montana drivers with a serious violation, such as a DUI, need to purchase SR-22 insurance to prove that their car insurance meets the state’s minimum. Filing an SR-22 form comes with its own fees. Depending on the insurer, you may also lose the discounts associated with your policy if you have SR-22 insurance.
Montana DUI Laws
Aside from the financial repercussions of a DUI, you will also face various legal charges, including penalties, jail time or referral to an alcohol or drug education program. Specifically, here are some of the DUI laws that apply in Montana.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol concentration (BAC) is the level of alcohol in your blood. In Montana, you are considered a DUI offender if your BAC is 0.08% and above.
Driving with a BAC of 0.16% will result in increased penalties
If your BAC is 0.16% or above, you face increased penalties. These include a $1,000 fine and imprisonment from 48 hours to a year for the first violation. The second violation has a fine of $2,500 and imprisonment from 15 days to one year. The third violation’s penalty is a $5,000 fine and 40 days to one year of jail.
Six-month administrative license suspension on first offense
After the first DUI offense, your license will be suspended for six months in Montana. Reinstatement requirements may vary depending on the severity of your DUI and may include completing an alcohol education program, paying reinstatement fees, taking the driver’s license knowledge test or submitting the necessary clearance documents.
Ignition interlocks are mandatory for repeated convictions.
If you get convicted of a DUI in Montana, you may need to install an ignition interlock device on your car which checks your BAC level before allowing you to start your car.
Auto Insurance
Frequently Asked Questions
Will insurance cover my car if I get a DUI? Getting insurance coverage after a DUI offense can be challenging. MoneyGeek answers frequently asked questions about car insurance after a DUI.
Will my insurer continue to cover me if I get a DUI in Montana?
Some insurers may continue to provide you with coverage after a DUI, while others won’t. In Montana, there is no law requiring insurers to cover DUI drivers. Companies that still offer coverage charge significantly higher rates.
How much do car insurance premiums increase in Montana after a DUI?
Car insurance rates in Montana increase by 77.72% after a DUI. Drivers without a DUI pay $1,128 per year on average, whereas those with a DUI conviction pay $2,005.
What is the cheapest car insurance company in Montana after a DUI?
The most affordable car insurance provider for someone with a DUI in Montana is State Farm. The company is also the best for full and minimum car insurance coverage in the state, followed by Allstate.
How long will having a DUI affect my car insurance rates?
In Montana, a DUI will remain on your driving record and affect your car insurance rates for 10 years.
How do I get car insurance if I have a DUI?
You can purchase post-DUI car insurance coverage from providers within the state. Comparing rates across multiple insurers can help you find the cheapest coverage for your driving profile.
Methodology
To determine the top companies for individuals with DUIs in Montana, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- DMV.org. "Montana DUI & DWI Laws & Enforcement." Accessed November 21, 2024.
- Foundation for Advancing Alcohol Responsibility. "National Drunk Driving Statistics Map." Accessed November 21, 2024.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed November 21, 2024.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed November 21, 2024.