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

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It costs an average of $298 a year for non-owner car insurance in Montana, which is $82 lower than the national average, according to a 2023 rate analysis from Insure.com.

In Montana, these policies are available from companies such as Progressive, Geico and Kemper Insurance, in addition to many others.

“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.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Montana.

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

Non-owner insurance is usually cheaper than typical car insurance—insurance companies regard non-owner policyholders as less risky because they have limited access to a vehicle.

On average, in the United States, it costs $1,682 annually 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. This is applicable to drivers with a good credit score as well as a clean driving record. It’s $1,751 in Montana.

On the other hand, non-owner auto insurance costs $380 on average in the U.S. and $298 in Montana.

There are various factors that affect rates, such as where in Montana you live, which insurer you purchase from as well as your age and driving history.

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

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

At $389 a year, Farmers Insurance 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 identify the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in Montana.

Cheapest non-owner insurance rates in Montana

You should note that USAA only offers coverage to military members, veterans and their families.

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

Older drivers have been on the road longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually lower than those of younger drivers. Montana non-owner insurance costs, on average, $293 a year for a 45-year-old, whereas it’s $1,413 for a 16-year-old driver.

Average non-owner car insurance rates in Montana by age 

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

There’s a great deal of variation from city to city when it comes to rates. Insurers base rates, in part, on variables like how common theft, collisions and vandalism are in different cities.

Below are charts displaying the cities in Montana that have the least and most expensive non-owner auto insurance rates.

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

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

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

The largest cities in Montana can have significantly different non-owner insurance rates. The price of non-owner insurance in Billings is the most expensive at $291 a year. Baker has the least expensive rates among the state’s most populous cities at $205 a year.

Non-owner auto insurance rates in Montana’s 10 largest cities

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

The rates for non-owner car insurance will differ from state to state. The average non-owner insurance rate in Montana is $298 a year, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and then Iowa at $193 per year.

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

How to get non-owner auto 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 a car 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 non-owner insurance policy, you’ll need to call your insurer rather than get an online quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

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

• Farmers: 800-974-6755
• The Hartford: 888-413-8970
• Kemper: 866-530-5500
• Mercury: 866-910-2768
• Nationwide: 888-869-5727
• Progressive: 866-749-7436
• State Farm: 800-782-8332
• Travelers: 866-925-0105

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.