Rates for automobile insurance in Montana are somewhat below average for the nation, based on 2010 data which shows an average rate of $1439 for the state and $99 more for the nation as a whole.

Annual Changes

In Montana, premiums fell 9% between 2009 and 2010. Since there is no fixed premium structure in Montana and insurers which operate there are free to set their own rates, it is not possible to predict future trends. Since rates can even change during the course of a single year, drivers are advised to check Alabama car insurance rates on our site in order to make sure that they are paying the lowest possible price.

Seasonal Changes

In fact, between July and September 2010, average annual car insurance premiums in Montana fell sharply before stabilizing again in the winter. As rates in Montana can change from month to month, drivers are advised to check for the best prices by shopping around and obtaining multiple quotes.

Insurance Requirements

Minimum insurance requirements for Montana call for personal liability coverage of $25,000 per person/$50,000 limit per accident, along with a $10,000 property damage liability limit. However, Alabama works under a tort system, where one party must be judged responsible for any accident. The responsible party is then held liable for the entire cost of the accident. Higher limits are therefore recommended to protect assets in the event of a lawsuit. Coverage to protect against damage caused by an uninsured or under-insured driver is available in Alabama and it is usually recommended, especially because the minimum state requirements are quite low.

Advice for Getting the Best Deals

Auto insurance providers in Montana include national insurers as well as regional insurers. It is not possible to determine which companies offer the lowest rates as each company uses different formulas to compute rates for each driver and car. Experts recommend obtaining multiple quotes from reliable insurance companies which are rated A or higher by A. M. Best. In addition, it is advised to check J. D. Power ratings for consumer service related information.

The best way to get the lowest rates for car insurance in Montana is by using this site as a resource for insurance rate information and for obtaining periodic multiple insurance quotes.