Non-owner car insurance in Montana: Which company has the cheapest rates?

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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.

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

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

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.

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

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

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

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

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.

Explore other insurance options in Montana

Average car insurance cost in Montana

Average renters insurance cost in Montana

Average homeowners insurance cost in Montana

Leslie Kasperowicz

Managing Editor

 

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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.