Speeding in Montana is illegal, and drivers who get caught will face consequences. On average, a 40-year-old driver will see their annual full coverage car insurance rate increase by 20% after a speeding ticket. However, the actual increase depends on your insurance company. Allstate, for example, will typically only raise the average rate by about 16% after a speeding ticket.

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Drivers in Montana should understand how a speeding ticket can affect their car insurance premium and what other penalties they might face for speeding.

How much is a speeding ticket in Montana?

In Montana, the cost of a speeding ticket depends on how fast you are traveling over the limit. Most tickets will range from $40-$200. The fine might be higher if you get caught speeding in a work zone or a school zone.

Montana drivers who get pulled over for speeding will also have points added to their license. Most speeding violations result in two points. If a driver accumulates 15 or more points within three years, their license may be suspended.

How much does a speeding ticket increase your car insurance in Montana?

A driver’s age is one of the most significant factors that can impact the cost of car insurance after a speeding ticket. In Montana, 18-year-old drivers typically see a much smaller percentage increase than 40-year-old drivers, but young drivers pay significantly higher premiums, both before and after a speeding ticket.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $5,462 $6,137 12%
18-year-old female $5,461 $6,137 12%
40-year-old male $1,851 $2,217 20%
40-year-old female $1,851 $2,217 20%

The data also shows that a driver’s gender has no impact on the cost of their car insurance in Montana, regardless of driving record. In many other states, males pay higher rates than females in both age groups.

How to lower your car insurance after a speeding ticket in Montana

After getting a speeding ticket in Montana, your car insurance rate will most likely go up. Speeding indicates that you may not be the safest driver, and your insurance company will increase your rate to compensate for potential future violations. However, there are ways to lower your rate.

Get quotes from other car insurance companies

If you want a better car insurance rate after a speeding ticket, shop around and get new quotes from other companies. Every car insurance company charges a different rate, and you may be able to find a better rate elsewhere. The table below includes the average premium before and after a speeding ticket from some of the best car insurance companies in Montana:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $2,302 $2,681 16%
Farmers $1,931 $2,416 25%
Geico $1,421 $1,680 18%
Nationwide $1,423 $1,696 19%
Progressive $1,545 $1,979 28%

*Premiums are average annual full coverage premiums for 40-year-olds.

When comparing car insurance companies, getting personalized quotes is important. However, you should also compare providers based on factors like coverage options, discounts available, financial strength ratings and policyholder reviews.

Look for discounts

Most car insurance companies in Montana offer discounts that can help you save money on your policy. Every car insurance company offers unique discounts, but some of the most common ones include savings for bundling your policies, insuring a new vehicle, paying your annual premium fully, and taking a defensive driving course.

Raise your deductible

Your deductible is the out-of-pocket cost deducted from the insurance company’s reimbursement for a covered loss. The higher your deductible is, the lower your monthly premium will be. If you are looking to save money on car insurance, increasing your deductible can help you save money instantly. However, you should be certain that you can afford to pay the higher deductible before committing to it.

Other speeding ticket considerations

In Montana, drivers who get pulled over for speeding will receive a fine and, after a certain number of license points, can also lose their driving privileges. However, not all speeding tickets will show up on your record. If you get caught speeding 10mph or less over the limit during the daytime or five mph or less over the limit at night, insurance companies cannot use the violation to increase your premium.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

There is no best car insurance company for drivers with speeding tickets on their record. The best car insurance company depends on location, what type of coverage the driver needs, their budget and other factors. To find the right company for you, shop around, compare providers using your criteria and then get quotes to find the best rate.

What is the average cost of car insurance in Montana?

In Montana, the average cost of car insurance is $1,737 per year for a full coverage policy and $342 per year for a minimum coverage policy. Montana drivers pay slightly more for full coverage car insurance than the average American. For comparison, the average car insurance rate in the United States is $1,674 for full coverage.

How much car insurance is required in Montana?

Every driver in Montana is required to carry a minimum amount of car insurance. A minimum coverage policy in Montana consists of 25/50/20 personal liability insurance, which includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $20,000 for property damage per accident.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

These are sample rates and should only be used for comparative purposes.