Cheap Montana Car Insurance

Compare rates from the best car insurance companies in Montana.

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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. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance

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
5Allied$1,362
6Progressive$2,007
7Farmers$2,082
8GEICO$2,120
9Allstate$2,551
10Metropolitan$4,925

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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$33917.29%
No Accidents$57026.00%
Good Credit$1,65250.46%

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.

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

What are the Best 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.

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allied3Superior
Allstate3Superior
Cal CasualtyNot RatedExcellent
Farmers3Excellent
GEICO3Superior
MetLife3Superior
National Farmers UnionNot RatedExcellent
Progressive3Superior
Safeco3Excellent
State Farm3Superior
USAA5Superior

 

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What is the Best Car Insurance Coverage in Montana?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Montana$449.56$1,385.56$1,627.05
National Average$657.66$1,241.26$1,397.94

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 $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

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.
  • $20,000 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.

Car Insurance FAQs

Are digital insurance cards accepted in Montana?

Yes — if you are 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.

Is Montana a no-fault state for car insurance?

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.

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
5Miles City$1,527
6Polson$1,524
7Lewistown$1,522
8Glendive$1,521
9Sidney$1,518
10Livingston$1,480
11Billings$1,471
12Great Falls$1,435
13Belgrade$1,433
14Hamilton$1,428
15Bozeman$1,424
16Laurel$1,417
17Missoula$1,390
18Helena$1,360

Recent Montana Car Insurance Questions and Answers

We had an accident while towing someone else's car. Whose insurance pays for the damage?

Whose company pays for the towing damage will be very specific to which insurer you have a policy with. Many companies will not cover any type of towing equipment without a special endorsement.

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.

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.

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.


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!

Montana DUI Laws

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:

  • 24 hours to six months in jail $600 to $1,000 in fines
  • 6-month license suspension
  • Possible requirement to install and use an ignition interlock device
  • Must fulfill the A-C-T requirements, including assessment, a chemical dependency course, and treatment 10 points added to driving record

How Do Tickets Affect Car Insurance Premiums 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 Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Montana area, while also getting an insider view of the Treasure State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2020

Notification

Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.