Cheap Montana Car Insurance

Find affordable auto insurance that works for you in Montana. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Montana

Across the Treasure State, there are 151,209 miles of road just waiting to be driven. Below, The Zebra's experts analyzed average Montana car insurance rates for each of the most common rating factors. Read on to learn more, or submit your ZIP code above to discover which companies can offer you the most competitive quotes.


 

Affordable insurance companies in Montana

What's the cheapest car insurance in Montana?
RankCompany NameAvg. Annual Premium
1Safeco$853
2USAA$1,106
3National Farmers Union P&C$1,145
4State Farm$1,150
5MetLife$1,163
6Allied$1,362
7Progressive$2,007
8Farmers$2,082
9GEICO$2,120
10Allstate$2,551

Compare quotes from dozens of insurance companies in Montana by entering your ZIP code below.

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Cheap auto insurance for good drivers in Montana

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Montana drivers don't enjoy much of a rate discount for staying safe on the roads, as avoiding at-fault accidents is rewarded by just a 26% price cut, compared to 32% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5% and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$33917.29%
No Accidents$57026.00%
Good Credit$1,65250.46%

 

Cheap auto insurance for young drivers in Montana

Drivers between the ages of 16 and 25 pay a lot for auto insurance, with those under the age of 20 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Montana, the typical teen driver pays $4,816 per year, aligning closely with the national average for all teen drivers. It's still more than double the average for all drivers in Montana.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$4,250$7,249
17$4,055$6,141
18$3,947$5,655
19$3,947$3,290

 

Cheap auto insurance for bad drivers in Montana

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 29% after a DUI, 26% after an at-fault accident, and 17% after a speeding ticket in Montana. The penalties assessed by car insurance companies after serious infractions like DUI and at-fault collisions in Montana are lower than in many other states. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,19126.00%
DUI$2,30529.66%
Speeding Violation$1,96017.29%
Bad Credit$3,27350.46%

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Top rated car insurance companies in Montana

Every car insurance company emphasizes its low prices. But as with any service, the cheapest auto insurance policy isn't always the best option. Considering the financial stakes, it's worth doing the research to find the policy that insures your car adequately in the event of an accident. Find a great value, rather than settling for the cheapest car insurance you find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AlliedN/AN/AAverageN/A
AllstateAbove averageAverageSuperior4.3 / 5
FarmersAverageBelow averageExcellent4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
MetLifeExcellentBelow averageExcellentN/A
National Farmers UnionN/AN/ASuperiorN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
SafecoAverageAverageExcellentN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
USAAExcellentExcellentSuperior4.6 / 5

Montana auto insurance laws

In Montana, drivers are required to carry liability insurance coverage at or above the below minimums:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $20,000 per accident

Optional coverage in Montana (varies by carrier):

  • Comprehensive
  • Collision
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Additional Liability

For the minimum required coverage in Montana, prepare to pay an average of $450 yearly. This is more affordable than the nationwide average by 32%. If you opt for better car insurance coverage, you can choose a policy with comprehensive and collision coverage, which will protect against damages caused by vehicle crashes, theft, or weather incidents. It's worth noting that better auto insurance coverage comes at a cost: in Montana, a comprehensive insurance policy with a $1,000 deductible costs $1,386, 208% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 262% more than for a basic policy.

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How tickets change insurance rates in Montana

If you get a ticket, your car insurance premiums will probably rise. By how much depends on the severity of the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Montana after a few common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,13054%$743
Refused Breathalyzer/Chemical Test$2,00044%$613
DUI$2,00044%$613
Racing$2,12153%$734
Reckless Driving$2,07049%$682
Driving with a Suspended License$2,11252%$724
At-Fault Accident$1,99143%$603
Driving with an Open Container$1,88736%$500
Operating a Vehicle Without Permission$1,97542%$588
Passing a School Bus$1,90337%$516
Improper Passing$1,81931%$431
Following Too Closely$1,88536%$497
Speeding$1,75827%$371
Failure to Stop at a Red Light$1,81931%$431
Illegal Turn$1,82131%$433
Driving Wrong Way/Wrong Lane$1,81931%$431
Failure to Yield$1,81931%$431
Speeding in a School Zone$1,83032%$443
Driving Too Slowly$1,77628%$388
Distracted Driving$1,85133%$464
Driving with Expired Registration$1,63518%$247
Failure to Show Documents$1,63518%$247
Not-at-Fault Accident$1,4434%$55
Failure to Use Child Safety Restraint$1,4887%$100
Failure to Wear a Seat Belt$1,54211%$154
Driving Without Lights$1,4807%$92

 

Montana car insurance FAQs

How much is car insurance in Montana?

Car insurance in Montana is 16% more costly than the national average, at $813 for a six-month policy (or $137 per month).

Who actually has the cheapest car insurance in Montana?

Safeco and USAA offer the cheapest rates in Montana. Drivers with typical driving histories can find six-month premiums for $426 from Safeco or $553 from USAA.

What vehicle insurance is mandatory in Montana?

Liability insurance is mandatory in Montana. This includes bodily injury and property damage.

How much does car insurance cost in Montana cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Helena, Montana, and the most expensive in Columbia Falls, Montana.

RankCityAvg. Annual Premium
1Columbia Falls$1,592
2Evergreen$1,584
3Whitefish$1,576
4Havre$1,549
5Billings$1,471
6Great Falls$1,435
7Belgrade$1,433
8Bozeman$1,424
9Missoula$1,390
10Helena$1,360

 

Recent Questions:

Temporary car insurance for foreign driver in US

Since you will be driving your friend's car, you will need to be listed on their insurance policy as a driver. Since your friend is the owner of the car, they are required to maintain insurance on it.
Dec 30, 2018 Bozeman, MT

How do I purchase insurance if I own a car but someone else will drive it?

You may be able to find a company that will insure you without a license and you would then list the person who will be driving your car on the policy. If you can't find an insurer that will insure you without a license, then the person who will be driving can get a policy in their name and list you as an excluded driver and additional interest on the policy since you have a financial claim to the car.
Aug 7, 2019 Billings, MT

Can insurance be force-placed if we did not have coverage on the new vehicle for three months last year?

Yes, many lenders have this written into their agreements and you will get charged for any time not insured. In most cases, they will force-place insurance on the vehicle of their own and charge you for it unless you can provide proof that you were insured during those months.
Jun 30, 2020 Billings, MT

If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?

The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Apr 29, 2017 Bozeman, MT

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent and one of The Zebra’s in-house content researchers and writers.

With a background in copywriting, she covers the ins and outs of auto, home, life and renters insurance, providing data-backed insights and information to help insurance shoppers make informed decisions. Kristine has contributed her insurance expertise to publications such as Automoblog, USInsuranceAgents.com and BestCompany.com. Her research has been cited by Car and Driver.