Compare the best rates from 5 car insurance companies 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.
| 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 |
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% |
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 |
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% |
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) |
| Allied | 3 | Superior |
| Allstate | 3 | Superior |
| Cal Casualty | Not Rated | Excellent |
| Farmers | 3 | Excellent |
| GEICO | 3 | Superior |
| MetLife | 3 | Superior |
| National Farmers Union | Not Rated | Excellent |
| Progressive | 3 | Superior |
| Safeco | 3 | Excellent |
| State Farm | 3 | Superior |
| USAA | 5 | Superior |
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 |
| Montana | $449.56 | $1,385.56 | $1,627.05 |
| National Average | $657.66 | $1,241.26 | $1,397.94 |
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:
These numbers reflect the minimum limits required in Montana but higher coverage amounts are available with most companies.
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.
10% of drivers are uninsured in Montana — less than the US mean of 13%. Still, consider uninsured motorist coverage in Montana to avoid costs in the event of an accident.
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 |
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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:
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.
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.
The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
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.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to scholarships@thezebra.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2018
Winner(s) will be selected and notified by email by January 31st, 2019
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.
