According to the article “State Insurance Official Says 15 Percent of Montana Drivers are Uninsured” by Charles S. Johnson on www.missoulian.com, Montana’s uninsured rate is slightly higher than the national average.
The national average for uninsured drivers is 13.8% while Montana is coming it at 15%. Even neighboring states are much lower. Mari Kindberg, the property and casualty actuary in the state Auditor’s Office says North Dakota comes in at 5%, South Dakota is at 7% and Wyoming is at 9%. What is different about Montana that’s making Montana auto insurance quotes unattainable?
Kindberg states that Montana already has laws requiring drivers to have auto insurance and there are stiff penalties for those who choose not to and get caught. The Revenue and Transportation Interim Committee is studying the problem of uninsured and underinsured drivers. The Auditor’s Office recommended changing the state credit act to assist consumers keep their current auto insurance policies and make rates affordable during tough times. This may help Montana’s high uninsured rate.