Cheap Car Insurance
It's expensive to get car insurance in Montana!
Dang! Montana is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Montana might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Montana?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Safeco | $549 |
| 2 | Progressive | $961 |
| 3 | USAA | $1,034 |
| 4 | State Farm | $1,080 |
| 5 | MetLife | $1,163 |
| 6 | National Farmers Union | $1,216 |
| 7 | Allied | $1,322 |
| 8 | Farmers | $1,557 |
| 9 | Cal Casualty | $1,584 |
| 10 | GEICO | $1,706 |
| 11 | Allstate | $2,049 |
Cheap 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 Insurance for Young Drivers in Montana
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 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, which aligns 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 Car 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% |
Car Insurance Laws
State minimum insurance requirements in Montana
In Montana, the state minimum coverage requirement is liability with limits of:
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
- Property Damage $10,000 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
Liability coverage is legally required in Montana and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Montana, the minimum is listed as 25/50/10 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
These numbers reflect the minimum limits required in Montana but higher coverage amounts are available with most companies.
Cheap Montana Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Montana.
Car Insurance FAQs
Are digital insurance cards accepted in Montana?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Montana you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Montana?
Uninsured Drivers in Montana
14%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.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 Laurel, Montana, and the most expensive in Whitefish, Montana.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Whitefish | $1,201 |
| 2 | Columbia Falls | $1,200 |
| 3 | Evergreen | $1,199 |
| 4 | Kalispell | $1,199 |
| 5 | Polson | $1,171 |
| 6 | Livingston | $1,135 |
| 7 | Havre | $1,115 |
| 8 | Lewistown | $1,109 |
| 9 | Sidney | $1,104 |
| 10 | Miles City | $1,103 |
| 11 | Glendive | $1,085 |
| 12 | Belgrade | $1,074 |
| 13 | Anaconda-Deer Lodge | $1,071 |
| 14 | Butte-Silver Bow | $1,067 |
| 15 | Bozeman | $1,066 |
| 16 | Lockwood | $1,061 |
| 17 | Hamilton | $1,057 |
| 18 | Great Falls | $1,047 |
| 19 | Orchard Homes | $1,032 |
| 20 | Missoula | $1,031 |
| 21 | Helena | $1,014 |
| 22 | Billings | $1,002 |
| 23 | Laurel | $998 |
Recent Montana Car Insurance Questions and Answers
Do I need a commercial or personal policy?
Do I need commercial car insurance if I only use my car to mail my products and pick up a ...
If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?
My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...
Driving Laws
Montana Texting and Driving Laws
- There's no law against texting and driving in Montana but we strongly urge you to keep it at 10 and 2!
Alcohol Related Fatalities
90
Per Year in MontanaAnnual DUI Arrests
Montana4,240
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
