Find affordable insurance that works for you in Montana. Compare quotes from over 100 top companies.
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.
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%|
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|
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|
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.
Compare local and national auto insurers' financial strength and claims satisfaction ratings to better understand the level of service they'll provide. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Superior" to "Poor" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Cal Casualty||Not Rated||Excellent|
|National Farmers Union||Not Rated||Excellent|
The minimum insurance requirement in Montana is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.
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.
Compare average rates for liability-only and comprehensive coverage levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Montana, drivers are required to carry liability insurance coverage at or above the below minimums:
Learn more about car insurance laws in the state of Montana.
There is a lookback period of ten years for a second DUI offense in Montana. There is no limited lookback period for subsequent offenses. Penalties are enhanced for repeated DUI offenses, driving with a suspended or revoked license, or for transporting passengers under 16 years old.
DUI with a BAC of 0.16% or higher is an “aggravated DUI” and results in harsher penalties.
First-time DUI offenses in Montana lead to:
If you get a ticket, your car insurance premiums will probably rise. By how much depends on the severity of the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in Montana after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,130||54%||$743|
|Refused Breathalyzer/Chemical Test||$2,000||44%||$613|
|Driving with a Suspended License||$2,112||52%||$724|
|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|
|Following Too Closely||$1,885||36%||$497|
|Failure to Stop at a Red Light||$1,819||31%||$431|
|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|
|Driving with Expired Registration||$1,635||18%||$247|
|Failure to Show Documents||$1,635||18%||$247|
|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|
Car insurance in Montana is 16% more costly than the national average, at $813 for a six-month policy (or $137 per month).
No. You're only required to cover the damage for which you are deemed responsible. In this sense, Montana is a tort — or at-fault — state.
Who has the cheapest car insurance?
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.
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|