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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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
Rank Company Name Avg. Annual Premium
1 Safeco $853
2 USAA $1,106
3 National Farmers Union P&C $1,145
4 State Farm $1,150
5 MetLife $1,163
6 Allied $1,362
7 Progressive $2,007
8 Farmers $2,082
9 GEICO $2,120
10 Allstate $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 $339 17.29%
No Accidents $570 26.00%
Good Credit $1,652 50.46%

 

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $2,191 26.00%
DUI $2,305 29.66%
Speeding Violation $1,960 17.29%
Bad Credit $3,273 50.46%

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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)

Allied N/A N/A Average N/A
Allstate Average Average Superior 4.3 / 5
Farmers Excellent Below average Excellent 4.3 / 5
GEICO Average Average Superior 4.4 / 5
MetLife N/A Below average Excellent N/A
National Farmers Union N/A N/A Superior N/A
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
USAA Excellent Excellent Superior 4.6 / 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.

Learn more about car insurance laws in the state of Montana

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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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,130 54% $743
Refused Breathalyzer/Chemical Test $2,000 44% $613
DUI $2,000 44% $613
Racing $2,121 53% $734
Reckless Driving $2,070 49% $682
Driving with a Suspended License $2,112 52% $724
At-Fault Accident $1,991 43% $603
Driving with an Open Container $1,887 36% $500
Operating a Vehicle Without Permission $1,975 42% $588
Passing a School Bus $1,903 37% $516
Improper Passing $1,819 31% $431
Following Too Closely $1,885 36% $497
Speeding $1,758 27% $371
Failure to Stop at a Red Light $1,819 31% $431
Illegal Turn $1,821 31% $433
Driving Wrong Way/Wrong Lane $1,819 31% $431
Failure to Yield $1,819 31% $431
Speeding in a School Zone $1,830 32% $443
Driving Too Slowly $1,776 28% $388
Distracted Driving $1,851 33% $464
Driving with Expired Registration $1,635 18% $247
Failure to Show Documents $1,635 18% $247
Not-at-Fault Accident $1,443 4% $55
Failure to Use Child Safety Restraint $1,488 7% $100
Failure to Wear a Seat Belt $1,542 11% $154
Driving Without Lights $1,480 7% $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.

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

 

Recent Questions:

I cut down a big tree and it fell on my truck. Will insurance cover that?

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.
Nov 26, 2019 Missoula, 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 6, 2019 Billings, MT

Why does my wife with a suspended driver license have to be on my car insurance?

Even though your wife isn't supposed to drive, she still has regular access to the vehicle. Your spouse must be listed to account for a person of driving age that lives in your house.
Apr 2, 2017 Brookfield, MO

Will being an older driver with poor credit affect my car insurance rates?

You are correct in that having a poor credit history will raise your rates. Age can be a factor as well.
May 30, 2019 Glasgow, MT

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.