Car Insurance After an Accident in Montana: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Montana increases insurance by 36%, raising full coverage from $1,650/year to $2,244/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$138/mo
After At-Fault Accident (+36%)
$187/mo
Cheapest Companies After Accident in Montana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $138/mo | $1,661/yr | Military families |
| Erie Insurance | $148/mo | $1,773/yr | Rate lock guarantee |
| GEICO | $153/mo | $1,840/yr | Clean driving record |
| Progressive | $165/mo | $1,975/yr | Telematics savings |
| State Farm | $170/mo | $2,042/yr | Good students |
| Travelers | $178/mo | $2,132/yr | Multiple discounts |
| Nationwide | $194/mo | $2,334/yr | Bundling home + auto |
| Farmers | $202/mo | $2,424/yr | Signal telematics |
| Allstate | $209/mo | $2,513/yr | Accident forgiveness |
| Liberty Mutual | $221/mo | $2,648/yr | New car replacement |
USAACheapest
Monthly
$138/mo
Annual
$1,661/yr
Best for: Military families
Erie Insurance
Monthly
$148/mo
Annual
$1,773/yr
Best for: Rate lock guarantee
GEICO
Monthly
$153/mo
Annual
$1,840/yr
Best for: Clean driving record
Progressive
Monthly
$165/mo
Annual
$1,975/yr
Best for: Telematics savings
State Farm
Monthly
$170/mo
Annual
$2,042/yr
Best for: Good students
Travelers
Monthly
$178/mo
Annual
$2,132/yr
Best for: Multiple discounts
Nationwide
Monthly
$194/mo
Annual
$2,334/yr
Best for: Bundling home + auto
Farmers
Monthly
$202/mo
Annual
$2,424/yr
Best for: Signal telematics
Allstate
Monthly
$209/mo
Annual
$2,513/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$221/mo
Annual
$2,648/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses