Car Insurance in Montana
- State Farm offers the cheapest liability at $27/mo.
- State Farm has the cheapest full coverage at $118/mo.
Enter your ZIP code to start your search for Montana car insurance:
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About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Montana
The average car insurance rate in Montana is $1,118 for a six-month full coverage policy — 4% cheaper than the U.S. average.[1] If you're in the market for minimum coverage, the average cost in Montana is $238 for a six-month policy.
According to our data, 50% of Montanans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in MT
- State Farm offered the cheapest liability coverage in Montana at $27/mo.
Cheapest full coverage in MT
- State Farm offered the cheapest full coverage in Montana at $118/mo.
Best customer service in MT
- State Farm scored 667 in JD Power's latest study — the highest in Montana.
Cheap liability insurance in Montana
The average cost for liability insurance in Montana is $238 for a 6-month policy.[1] For our user profile, a profile not eligible for USAA, State Farm offers the most affordable liability insurance options in the state at $27/mo.
According to our data, 39% of Montana drivers carry only the state-required liability coverage.[2] In Montana, the law mandates minimum liability limits of 25/50/20. Learn more about car insurance requirements in the state of Montana with our helpful guide.
If you're eligible, USAA is another available affordable company in Montana for liability-only coverage.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $147 | $24 |
| State Farm | $163 | $27 |
| GEICO | $208 | $35 |
| Farmers | $267 | $45 |
| Progressive | $279 | $47 |
| Allstate | $406 | $68 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
If you're involved in a car accident in Montana, you may still be able to recover damages even if you were partly at fault. Under the state's modified comparative negligence law, you can recover compensation as long as you are less than 51% responsible for the crash.[4] However, your recovery is reduced by your percentage of fault. For example, if you're found 20% at fault, you can recover 80% of your eligible damages. This rule helps ensure fault is shared fairly while preventing drivers who are primarily responsible for a crash from recovering damages.
Renata Balasco, licensed insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $147 | $773 |
| State Farm | $163 | $710 |
| Progressive | $279 | $1,120 |
| MetLife | $466 | $2,015 |
| GEICO | $208 | $1,192 |
| Farmers | $267 | $1,195 |
| Allstate | $406 | $1,549 |
Source: The Zebra
Cheap full coverage insurance in Montana
In 2026, the average cost of full coverage insurance in Montana is $1,118 for a six-month policy. Full coverage is a popular choice here, with 61% of The Zebra’s Montana customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from State Farm — as our latest data shows they have the cheapest rates in Montana.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $710 | $118 |
| USAA | $773 | $129 |
| Progressive | $1,120 | $187 |
| GEICO | $1,192 | $199 |
| Farmers | $1,195 | $199 |
| Allstate | $1,549 | $258 |
Source: The Zebra
What are the best car insurance companies in Montana?
We’ve named State Farm as Montana's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Local insights
Drivers near you in Montana weigh in
"I use Chubb. I was with AIG previously, but not happy with their customer service."
-Reddit user on r/Montana
"$224/month for two drivers with a brand new car through State Farm. Lucky. Clean records for both of us."
-Reddit user on r/Montana
Find the best coverage and price in Montana with The Zebra.
Car insurance in popular Montana cities
Car insurance companies calculate your rate based on many factors, including the location of the vehicle. The cheapest car insurance is found in Missoula, Montana and the most expensive in Havre, Montana.
Have a look at the table below to see average car insurance costs in some of Montana's biggest cities.
Source: The Zebra
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Source: The Zebra
Real people. Real help. Right here.
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Montana auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Montana. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Montana insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Montana car insurance for high-risk drivers
For high-risk drivers in Montana with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Montana's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DUI insurance in Montana?
In Montana, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Rate increase: +$658
The average 6-month premium increase after a DUI in Montana. This premium increase typically lasts 3-5 years.
First time DUI penalties
- Up to 6 months in jail
- Fines from $600-$1000
- 6-month driver's license suspension
- Chemical dependency education course
DUI record impact timeline
- DMV record: Permanent (conviction stays even if points are removed)
- Criminal record: Permanent (no general expungement statute)
Cheap car insurance after a DUI in Montana
If you're convicted of a DUI or DWI violation in Montana, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Montana.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $988 | $165 |
| Progressive | $1,322 | $220 |
| Farmers | $1,566 | $261 |
| USAA | $1,592 | $265 |
| Allstate | $1,915 | $319 |
| GEICO | $2,130 | $355 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Montana SR-22 laws
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form filed by your insurance company with the state of Montana to ensure that you remain insured. In Montana, drivers with a DUI must have an SR-22 for three years.
Finding cheap auto insurance with an SR-22 in Montana might require some research, but it could pay off in the end.
How to acquire an SR-22 in Montana
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might need to pay an upfront fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owner car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Montana in minutes!
How have average car insurance costs in Montana changed?
Montana's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Montana |
|---|---|
| 2026 | $2,198 |
| 2025 | $2,211 |
| 2024 | $2,024 |
| 2023 | $1,803 |
| 2022 | $1,798 |
| 2021 | $1,534 |
| 2020 | $1,549 |
| 2019 | $1,535 |
| 2018 | $1,445 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Montana car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Montana auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
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Comparative negligence rule. Montana Code Annotated § 27-1-702 – Comparative Negligence
Comparative negligence rule. Montana Code Annotated § 27-1-702 – Comparative Negligence
RECENT QUESTIONS ABOUT CAR INSURANCE IN MT
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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 editorial 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.
