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Non-owner car insurance in Montana costs $230 annually, which is $123 lower than the U.S. average, according to an Insure.com 2023 rate analysis.

In Montana, non-owner policies are available from companies such as Progressive, Geico and Kemper Insurance.

Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Montana.

Key Takeaways

  • The average non-owner car insurance cost in Montana is $19 per month for a 40-year-old male with a good driving record.
  • Car insurance rates vary by age. For instance, a 16-year-old male in Montana pays an average of $1,052 for non-owner car insurance, whereas a 25-year-old male pays $283 a year for the same coverage.
  • USAA offers most affordable rates for non-owner car insurance in Montana at $75.(Note: USAA offers car insurance only to members of the military, veterans and their immediate families.)

How much does non-owner car insurance cost in Montana?

Insurers view non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually cheaper to buy a non-owner insurance policy than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 per year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Montana, full coverage car insurance costs $1,751.

Meanwhile, non-owner car insurance costs $353 a year on average in the U.S. and $230 in Montana.

But various factors affect individual rates, such as where in Montana you live, your age and driving history and other factors.

Which insurer offers the cheapest non-owner insurance rates in Montana?

USAA offers Montana’s least expensive non-owner insurance policy at $75 a year.

At $389 a year, Farmers charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Montana

Cheapest non-owner insurance rates in Montana

CompanyAverage annual premium
USAA$75
State Farm$121
Progressive$171
Geico$237
Kemper Insurance$308

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Montana by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Montana, a 45-year-old will pay an average of $226 annually for a non-owner insurance policy versus a 16-year-old driver who will pay an average of $1,052.

Average non-owner auto insurance rates in Montana by age

AgeRate
16$1,052
17$828
18$706
19$547
20$498
21$356
22$329
23$292
24$275
25$283
30$237
35$231
40$230
45$226
50$219
55$212
60$211
65$220
70$240
75$275

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Montana by city

Which Montana cities have the cheapest non-owner car insurance?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below show which cities in Montana have the lowest and highest non-owner car insurance rates.

The 20 Montana cities with the lowest non-owner car insurance rates

Cities in MontanaLowest non-owner car insurance rates
Baker$205
Colstrip$205
Plevna$205
Westby$205
Alzada$206
Boyes$206
Capitol$206
Ekalaka$206
Forsyth$206
Hammond$206
Ismay$206
Medicine Lake$206
Plentywood$206
Raymond$206
Willard$206
Angela$207
Antelope$207
Biddle$207
Brockway$207
Dagmar$207

The 20 Montana cities with the highest non-owner auto insurance rates

Cities in MontanaHighest non-owner car insurance rates
Billings$291
Black Eagle$276
Malmstrom AFB$274
Great Falls$273
Laurel$272
Huntley$264
Butte$263
Columbia Falls$261
Evergreen$261
Missoula$261
Vaughn$261
Kila$260
Lake Mc Donald$260
Lakeside$260
Somers$260
Bigfork$259
Coram$259
Acton$258
Essex$258
Helena$247

How much is non-owner auto insurance in Montana’s 10 biggest cities?

The largest cities in Montana have different non-owner insurance rates. The cost of non-owner insurance in Billings is the most expensive at $291. Baker, Colstrip and Plevna have the cheapest rates of the state’s most populous cities at $205.

Non-owner car rates in Montana’s 10 largest cities

10 largest cities in MontanaNon-owner car rates
Billings$291
Great Falls$273
Butte$263
Missoula$261
Helena$247
Bozeman$237
Belgrade$235
Baker$205
Colstrip$205
Plevna$205

How non-owner insurance rates in Montana compare to rates in other states

Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Montana is $230 a year, which is lower than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year.

Non-owner car insurance rates in the 10 most populous states

StateAverage annual premium
California$323
Florida$671
Georgia$373
Illinois$286
Michigan$574
New York$578
North Carolina$989
Ohio$198
Pennsylvania$216
Texas$408
National Average$353

How to get non-owner car insurance in Montana

To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

  1. Contact an auto insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Here are some insurance companies with contact numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • Geico: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033
  • USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

How much is car insurance in other states

Alaska$1,359/Year
Alabama$1,542/Year
Arkansas$1,597/Year
Arizona$1,617/Year
California$2,115/Year
Colorado$1,940/Year
Connecticut$1,750/Year
Delaware$2,137/Year
Florida$2,560/Year
Georgia$1,647/Year
Hawaii$1,306/Year
Iowa$1,321/Year
Idaho$1,121/Year
Illinois$1,578/Year
Indiana$1,256/Year
Kansas$1,594/Year
Kentucky$2,105/Year
Louisiana$2,546/Year
Massachusetts$1,538/Year
Maryland$1,640/Year
Maine$1,116/Year
Michigan$2,133/Year
Minnesota$1,493/Year
Missouri$2,104/Year
Mississippi$1,606/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
Nebraska$2,018/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
Nevada$2,023/Year
New York$2,020/Year
Ohio$1,023/Year
Oklahoma$1,797/Year
Oregon$1,244/Year
Pennsylvania$1,445/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
Tennessee$1,373/Year
Texas$1,875/Year
Utah$1,469/Year
Virginia$1,321/Year
Vermont$1,158/Year
Washington$1,371/Year
Wisconsin$1,499/Year
West Virginia$1,610/Year
Wyoming$1,736/Year
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Leslie Kasperowicz
Managing Editor

 
  

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.