Cheapest and Best Non-Owner Car Insurance in Montana (2024)

Non-owner car insurance in Montana provides liability coverage for drivers who don't own cars but still benefit from being financially protected on the road. It can be helpful for drivers who frequently borrow someone else's vehicle or require continuous auto insurance coverage. Having non-owner auto insurance may also help drivers with offenses like DUIs get their licenses reinstated after they have been suspended or revoked.

MoneyGeek found that State Farm provides Montana's best and most affordable non-owner auto insurance, striking a balance between costs and customer satisfaction. It also offers the least expensive non-owner auto insurance for Montana drivers with traffic violations on their records.

State Farm offers Montana’s cheapest non-owner auto insurance for both drivers with clean records and drivers with an at-fault accident on their records.

• Drivers with clean records: State Farm ($21 per month)
• Drivers with violations: State Farm ($23 per month)

If you have a driving violation as a non-owner, you can anticipate paying slightly more for auto insurance in Montana. The least expensive insurance for a policyholder with a clean driving record is about $2 cheaper per month than the most affordable policy for a driver with a traffic offense on their record.

State Farm and Progressive provide Montana drivers with clean driving records with the most affordable non-owner auto insurance policies.

• State Farm: $21 per month
• Progressive: $21 per month

USAA provides Montana’s cheapest non-owner auto insurance at about $11 monthly. However, this company is exclusively accessible to veterans, active military personnel and their families.

The average monthly cost for cheap non-owner auto insurance policies in Montana is $21, considerably less than the national average of $43 per month.

State Farm and Progressive offer Montana’s cheapest non-owner auto insurance for drivers with infractions requiring an SR-22.

• State Farm: $23 per month
• Progressive: $33 per month

Montana military personnel can purchase low-cost SR-22 insurance through USAA for around $15 monthly.

If you have a severe driving violation on your record, like a DUI or an at-fault accident, you may need to submit an SR-22. These traffic offenses can result in a significant increase in insurance rates. In Montana, cheap non-owner SR-22 insurance is available at an average of $28 monthly, while the national average cost for similar policies is $59 per month.

Non-owner auto insurance in Montana is liability-only coverage for consumers who drive but don't own a vehicle. These policies don’t cover your injuries or damage to the car you're driving since it lacks comprehensive and collision coverage. Instead, it covers bodily injuries and property damage you may be responsible for in an accident.

Non-owner car insurance might be wise if you frequently drive rental cars, borrow cars from friends or want to prevent a rate increase following an insurance coverage break after selling your vehicle. The table below explores the differences between non-owner and full coverage insurance.

The average cost of non-owner auto insurance in Montana is $32 a month, cheaper than the national average of $43 monthly. Your car insurance premiums are affected by location, but other factors such as age, driving history and your car model make a more significant impact.

The top three non-owner auto insurance providers in Montana are:

• State Farm: MoneyGeek score 68 out of 100 ($21 per month)
• Progressive: MoneyGeek score 64 out of 100 ($21 per month)
• GEICO: MoneyGeek score 62 out of 100 ($29 per month)

To determine our rankings, MoneyGeek considered each provider’s relative affordability, customer satisfaction scores from J.D. Power and financial stability ratings from AM Best. Below, we provide an overview of each company to help you choose the ideal insurer for your needs.

Non-owner auto insurance is the best option for drivers who don't own a car but frequently rent cars, borrow cars or who wish to avoid having extensive insurance history gaps. It can also be necessary if your driver's license has been suspended or revoked. Below, we explore driving profiles that may benefit from these policies.

We answered your most frequently asked questions about non-owner car insurance in Montana to help you determine the best policy for your needs.